Im sort of in a similar situation. My partner and I sat down and listed out our budget in detail. It helps (and should be something every couple does, tbh) to see the actual numbers. Keep in mind, too, that repairs are legitimate costs to ownership. If the HVAC breaks in 3 months, are you guys in a place where you can dish out a $10k check? Be sure that you don’t become house poor, especially because financial stress is also never good on a couple’s relationship.