Advice for a Young Couple

My wife (29) and I (32) moved from the Philippines to Baltimore last year, and we’re loving it here! We’ve decided to settle down, build a life, and eventually start a family. One of our goals is to buy a house, ideally in a safe area outside of downtown, with a budget between $200k and $400k (I know, don't we all lol). We’ll likely need a second car as well, so we both have reliable transportation.

Right now, we’re renting downtown, which allows us to walk to work at the University of Maryland Medical Center. My wife is a nurse, and I’m a secretary, although I’m studying to become a nurse myself, aiming to complete my associate's degree by 2026 or 2027.

I’m also expecting an inheritance from my late father’s estate in the Philippines, which could help with a home down payment, a new car, or even pay off whatever amount my student loans are right now.

We’re trying to figure out our priorities, any advice on what steps to take first would be really helpful!