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The Moneyist: My wife and I want to have a second child — is this a good time to buy a new house?

Dear Moneyist,

My wife and I are currently debating on “upgrading” to a new home as I am worried about rising interest rates and costs of housing.

We currently have a nice three-bedroom home that works for now as we have a toddler and are planning for another in the next year or so. We have owned the home for four years and have a great interest rate (I would hate to give up) and have built up some equity.

Don’t miss: How to give your home to your children tax-free

We are young (we are both 30) and have great jobs with a combined annual gross income of $122,000 and growth in our earning potential.

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