Comment by justaguitarist

Exactly. My partner and I live in a big city and both make north of $80K, but there's no reality in which we can purchase a house when offers are coming in 10% above asking/waiving all inspections/all cash/etc. So we are choosing to put that house fund towards having an actual wedding (instead of a courthouse one like we originally planned), traveling, and putting a small amount back for emergencies.