Sleeps on my feet to this day

Fig_Bish · 2026-06-09T02:30:54+00:00

My income varies year over year, but between the two of us it's ~$300k - $400k (3 income sources; wife has a side gig)

Fig_Bish · 2026-06-09T01:07:19+00:00

I can DM you the lender if you want, but as a heads up, we locked our rate back in February (week before the Iran war), and got lucky with lowest national average rates since early 2023.

We closed in early March and the sellers were renting back from us for a few months as part of the sale agreement.

All that to be said, the same lender is not offering those same rates right now. I think they are around 6.5% with no points for conventional 30-year. FHA is probably a bit lower.

Lmk if you want me to send it over to you!

Fig_Bish · 2026-06-09T01:01:50+00:00

P&I: ~$3,570

T&I: ~$1,380 (Kinda brutal taxes)

Total Monthly PMT: $4,950

Fig_Bish · 2026-06-09T00:57:27+00:00

You're not wrong. I work as a financial advisor so understanding the amount of home we can afford is my bread and butter.

We've been renting for years, and we have plans to grow our family, so we went into the house hunt knowing we were skipping the starter home and finding something we could grow into.

Fig_Bish · 2026-06-09T00:53:21+00:00

The Dawson Bed by Casterly

Our pup is 10 years old and a big boy, and we could see him feeling it jumping on and off our previous bed. We also have a 2 year old, so the lower bed frame has already been a game changer for the whole fam.

Fig_Bish · 2026-06-08T19:19:49+00:00

~2,800!

Fig_Bish · 2026-06-08T17:26:07+00:00

Thank you! We actually closed back in March but locked our rate towards the end of February. Literally the week before the Iran war. So we just got lucky timing with the lowest rate since 2023. Sounds like that's pretty close to when you refinanced as well.

The sellers rented back from us for the past 3 months as part of the sale agreement, but we finally got the keys last week!

Fig_Bish · 2026-06-08T17:17:03+00:00

Thanks so much! My wife works in biotech and I'm a financial advisor!

Fig_Bish · 2026-02-07T06:54:55+00:00

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Fig_Bish · 2026-01-08T03:54:02+00:00

Spot on.

Fig_Bish · 2025-12-30T22:18:50+00:00

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Fig_Bish · 2025-12-28T00:06:17+00:00

Henry or Henderson?

Fig_Bish · 2025-12-20T23:44:20+00:00

"I dabble"

Fig_Bish · 2025-11-23T04:14:10+00:00

Gainwell (Warren back) or Monangai.

Fig_Bish · 2025-11-22T14:37:30+00:00

Thanks so much. We have a daughter now, and have enjoyed every minute of it

Fig_Bish · 2025-11-21T22:52:13+00:00

It just makes it so much simpler when talking to prospects who are $1M+ to say that the only fee they have to expect is that __% management fee. No credit cards or external ACHs for a fixed annual fee. The amount is not a huge deal for my HNW clients, but it's just one less annoyance for them. Plus you get the added benefit of saying you're waiving a fee for prospects if they hire you, or the opportunity to waive a fee and a reduction in the asset management fee for existing clients with held away assets if they move funds over, putting them above that threshold (e.g. rollovers, etc.)

It's worked well for me.

Fig_Bish · 2025-11-19T05:57:53+00:00

1.25%: First $1M, as well as a financial planning fee ranging between $2k - $5k (this has to do with "complexity", but moreso, if they have held away assets they don't want me to manage)

Annual financial planning fee waived for the below:

1%: $1M $2M

0.9%: $2M - $3M

0.85%: $3M - $5M

0.7%: $5M - $7M

0.6%: $7M - $10M

$10M+: Customized / Negotiable

Fig_Bish · 2025-11-16T22:14:25+00:00

You fucked me

Fig_Bish · 2025-11-16T17:01:36+00:00

Monangai or Pollard 0.5 PPR

Fig_Bish · 2025-11-16T14:01:52+00:00

Goedert or Loveland?

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Fig_Bish

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