The key to making money is to stay invested.
Cut back your spending now.
I think they've been baby bummers.
Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.
Owning a home is a keystone of wealth - both financial affluence and emotional security.
The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so every penny is backed by insurance.