My one comment is: rather than thinking $12000 for home down payment, think $12000 for closing costs, which isn't the same thing. When I bought in 2020, we put $13000 for the down payment (5%) and an extra ~ $4500 in closing costs on top of that.

Our 100-person wedding in 2017 cost ~12,000. You can do it for much less, of course, but this was a 'the venue handles everything' middle of the road wedding.

As for the car: depends on the car - take a good look at the loan terms (length & monthly cost). I just put $20,000 down on a car and have a hard time imagining putting down less!

At the time of these purchases, husband + my combined income was ~ $140,000.