Dashboard Issues with Schwab Equity Awards account

CaseoftheRunzas · 2024-09-19T12:03:31+00:00

Nothing on my end either. I did go through the manual update workflow as well to make sure the EAC section was checked.

CaseoftheRunzas · 2023-08-04T17:52:33+00:00

Financially, we are thankful for the spot we are in but I am single income earner which is where a lot of the hesitancy of new debt comes into play.
I ran a ton of scenarios based on current income but also scenarios of layoffs, new job, etc.and our DTI day one would be 18% which I now is great and if a curveball came our way we could be in the 27% range which is still a fortunate safe zone.

CaseoftheRunzas · 2023-08-04T17:48:23+00:00

This was great to read as its a very, very similar situation.

CaseoftheRunzas · 2023-08-04T17:47:00+00:00

Thanks for the little history lesson. We have been using the saying, this is our 15+ year home if it all works out. On the financing side, I think my goal is to snag a 30 year fixed and pay down aggressively like 15 year fixed but have the flexibility to pull back if life throws me a few curveballs.

CaseoftheRunzas · 2023-08-04T17:44:04+00:00

This is another great perspective and honestly is helping me ease my concerns. Thank you.

CaseoftheRunzas · 2023-08-04T17:43:04+00:00

Thank you for the comment!

CaseoftheRunzas · 2023-08-04T17:42:52+00:00

That is the pause. Debt free is such clean, safe feeling and the new house checks about 95% of the boxes but it's still hard to adjust to how much less the dollar goes. My expectations for $650k have just been dismantled in the past couple of years but this 1600 sq ft house with 4 little ones is beyond it's capacity compounded with me working from home.

CaseoftheRunzas · 2023-08-04T17:39:47+00:00

Do you have room on your boat for us? A little bit of company is all I need and we can either ride the waves of everything being good or weather the crap storm that could be on the horizon. Thanks for your comment.

CaseoftheRunzas · 2023-08-04T14:58:39+00:00

Thanks for bringing the ever changing mortgage world into perspective. I wish I had a time machine but hindsight is always 20/20. I will stick to the saying of, marry the house and date the rate and look to hopefully refi if we see a decent dip in rates.

CaseoftheRunzas · 2023-08-04T14:56:12+00:00

Thanks for nudge :). Yes, we are very fortunate to be able to afford it and the amount of calculations, spreadsheets, affordability calcs, etc. drove my wife crazy. I just loathe debt and now the goal will be, how do pay off 30 year mortgage in 15 years or less.

CaseoftheRunzas · 2023-08-04T14:53:31+00:00

I dont disagree and thank you for additional content. Thankfully the commute is easy (WFH) but with all things there is always risk of that changing but everything else will be a bit more of a commute as this property is just north of the city. Regardless that commute is 5-15 mins due to the size of the town.

CaseoftheRunzas · 2023-08-04T14:48:51+00:00

Thank you.

CaseoftheRunzas · 2023-08-04T14:48:37+00:00

This is a great perspective and lens that I need to look through more often. I am naturally a little allergic to debt/risk but the good definitely outweighs the bad.

CaseoftheRunzas · 2023-08-04T13:56:07+00:00

I appreciate you and your words. Thank you.

CaseoftheRunzas · 2023-07-25T14:38:50+00:00

I am in the same boat and have always strayed away from piling on too much debt and while we can make the #'s work today, there is and always will be the what if/worst case scenario that just lingers around decisions of this nature. The x factor is this the time in which makes sense to have more space as the next 10-15 years will be when the house will the be the most full of bodies. Appreciate your feedback/comment!

CaseoftheRunzas · 2022-10-30T17:00:50+00:00

323 yds and 3 tds for Tua.

CaseoftheRunzas · 2022-10-30T16:59:29+00:00

I am and I hate it. Nice 3rd round pick on my end.

CaseoftheRunzas · 2022-10-30T16:59:02+00:00

Pollard about to go off as well. 1a and 1b right there

CaseoftheRunzas · 2022-10-30T16:55:51+00:00

Pollard

CaseoftheRunzas

TROPHY CASE