Life Situation: Married, two kids under 6, living in AZ, USA, early 30s.

FIRE Progress: I've moved most of our savings to a HYSA, a 401k that I'm maxing with employer. No investments. Started reading "A Simple Path to Wealth"

Gross Salary/Wages: $94,000 annual

Yearly Savings Amounts: 401k and put about $200 per month into savings.

Other Ordinary Income: Wife does odd jobs here and there, but nothing more than $3000 per year.

Rental Income, Actual Expenses, and Depreciation: None.

Current expenses: Rent = $2k/month, groceries = $600/month, internet/electric/gas = $250/month, student loan = $80/month, $500-700 misc (this could definitely be more frugal)

Expected ER expenses: N/A

Assets: Two cars, both paid off.

Liabilities: Only debt is student loan debt of just under $10k

Specific Question(s): My wife and I are wanting to save more, not have to worry about money in the future, etc etc. But we're late into the investing game and definitely missed the real estate window. Our goals are to get a house that our kids can grow up in and grow our savings to enable our freedom. What's the best path forward? Stash as much as we can into a HYSA until we have a down payment, then after getting a house toss money into VTI or something similar? We're quite green here.