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Ideally, Schultz is looking for a three-bedroom, two-bathroom house listed under $500,000, but she s willing to be flexible on the details in order to keep the price down. We re very committed to not having housing [cost] any more than 35% of our income, Schultz says.   This year, the couple hopes to make around $200,000 combined, but Schultz says the income from her new business is unpredictable. Outside their retirement savings, Schultz and her husband have about six months worth of emergency living expenses saved up, as well as about $30,000 set aside for start-up business expenses and a house down payment. We want to have more predictable income and to build up some more cash savings so we don t have to touch the emergency fund or business savings when we buy, she says.

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