Did my mom tell you to write this?
Just kidding, I know it’s the smart thing to do and most likely what I’ll end up doing.
Well. I am a mom — currently to a 2 y/o toddler and a fetus.

I believe priority #1 should be your Roth IRA ($6K a year now, I think).
I think indulgances are good, but only after your Roth is maxed out. It’s the most incredible feeling when you get your first house — you will be so glad to have 20% down and avoid that damn PMI.