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By most peoples standards we had a very modest wedding. We didn't want one to begin with, we wanted to elope but parental pressures caused us to have one. We took the money we saved and the money that was gifted to us and socked it away in mutual funds. Then, 6 years later had enough to put down 20% on a very nice home, a home I just sold on Trulia's "make me move" section. I made out pretty well. So, your plan to not have a huge wedding but to save your $ for a downpayment is a good one. It's worked well for us.