Cynthetiq

kudos to you two for at least looking realistically at this.

I'm not going to talk about the parts that people have already talked about, there's plenty of that came before me. There's still something missing from your budget, and that's a method of saving. Saving is a habit.

If it's not saving for retirement it's saving for rainy days, saving for car maintenance or replacement. You are in technology, in 2 years will you need a new PC? How about 4 years? What about the car? The car won't last forever and what happens if a child someone makes into the picture? You'll have additional expenses there too. New technology comes around you need to go to seminars or additional training that isn't covered by your employer.

As far as the insurance goes... maybe you need to look at the insurance and costs BEFORE picking the vehicle and let that determine the vehicle choices... because there are inexpensive policies out there for safe inexpensive run about vehicles. It may not be the coolest looking ride out there, but it's at least going to fit in your budget. A motorcycle while practical in some aspects isn't all that practical in others, there's no need to go from one extreme to the other.

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