My wife has freelanced her whole career and has gotten used to a strong and steady cash flow. When we got married, she badgered me into putting down a down payment and paying for a house we can’t afford. I explicitly stated that if I get loans to pay for the down payment, it’s a bad financial decision that might kick us in the butt. I asked to look for a cheaper house instead, or at least stay renting while we are saving. But no, she still got the house that she wanted that I should pay for.