Thank you, I really appreciate the input. I'm not in a HCOL area, but you're correct, we do have a mortgage, a car payment, student loans, and a balance on a couple of cards which add up.

Going way beyond the DTI conversation, but I'm an early reservation holder for a Rivian vehicle and am locked into 2019 pricing for it. I'll be turning this around for a profit as these vehicles (used) have been reselling for 40-60K over original MSRP.