Sorry to jump in here, not really a member of your club, but I have a Dave Ramsey question I'm hoping you guys can answer for me real quick. We're not 100% TTMMing (I hate beans and rice) but we have been doing the debt snowball for the last few years and are paying off our last debt, probably next month. The question is, where in the baby step process is buying a house? Or where should it fall? We've been paying rent for the last several years and I feel like once we've knocked off our last debt and saved up enough for a down payment, we should buy a house. Dh was on board but seems to be loosing his nerve, saying we should rent for another year or two so we can have a down payment AND a bunch of savings. What do you think?? Thanks for any replies!