No offense, but you shouldn't be borrowing any money if you have to come to an internet forum and ask others about how/what YOU should borrow. This is a PERSONAL decision that ONLY you and your spouse should be making.
Disagree. There's some very sage advice on this forum and sometimes you need a "been there, done that" person to offer a point of view you might not have thought about. I'm one of those who's not afraid of being in a little debt, but those who have offered advice to buy cash if possible raise some valid points. These types of discussions allow for a lot of "what if" information. I don't think one should be criticized for decisions made but a little "I never thought about that" can be a good thing.
