My wife and I make about $125k combined per year. We bought a house for 244k about 5 years ago. 3 bedrooms, 2.5 bath. I have an excellent credit score (~800) so the loan is solely in my name however her name is on the title. I had been saving for a down payment from age 22-27 and then we bought our house with 20% down when I was 28. I was able to save 10k plus a year as a single guy but now our per year combined savings is only 5k max, during Covid “lockdown” we had negative savings for the year