D EAR HARRY: I have just recently become a married man. My wife and I are living with her parents so we can save enough for a down payment on a home. The question has come up about how big a home we should buy. My in-laws are urging us to buy as expensive a home as we can because it's the best investment around. My parents want us to buy a home that we can easily manage if one of us should stop working for whatever reason. My parents were so conservative in this regard that they never used mortgages. I know this is a tough question, but are homes a good investment, or should we go with my parents' advice and have our major investments in stocks and bonds?