Your house payment should not exceed 28% of your take home pay and be on no more than an 20 year fixed. You should be investing no less than 10% of your gross pay and you should have an emergency fund of 3 to 6 months expenses.
Your leaning, appears to be of an high consumption lifestyle. This will rob you of financial peace, throughout your life. Think about it, before you you get into that rut.
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