Yeah I get it. It's not easy. As a rule of thumb we are still aiming to live with 70% of our household income even with a kid so to mitigate for one of us being

Yeah I get it. It's not easy. As a rule of thumb we are still aiming to live with 70% of our household income even with a kid so to mitigate for one of us being laid-off unexpectedly. I guess it is a trade-off. We could live slightly better in a bigger house but I don't want to stress and be in a tough spot if one of us lose their job. That mental sanity is worth 30% of our income to me.