[hotrodgirl]

That's a tough call, as each person will have varying opinions as to what is right for them. Some are more conservative, some go all out, some more moderate. Are you buying new, building, or purchasing pre-owned? Sounded to me as if you might be considering a spec home? In that case, I think I would perhaps go for the location and house I wanted, and wait to upgrade. If building, I would put money down on the lot I wanted and wait 6-12 months to build. Also depends on available cash flow and investments. As no one really knows your situation, it's impossible to offer good advice! Best of luck in whatever you might decide though!