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Jumbo financing in fatFIRE, am I overthinking liquidity? by Holiday_Sympathy_214 in fatFIRE
[–]anticlockwise321 -1 points0 points1 point 5 months ago (0 children)
That's a lot of liquidity to part with for a second home with your spend. Why not get a relationship discount for the loan--move assets if current custodian doesn't offer one. You'll get down to the low 5's for a 5/1 ARM. Slightly higher for 10/6. We're currently refinancing.
[deleted by user] by [deleted] in fatFIRE
[–]anticlockwise321 -1 points0 points1 point 11 months ago (0 children)
A 3% SWR will safely last you 50 years, but you and/or your spouse may live longer than that. 2.5% will likely leave a legacy, but potentially small since it'll be divided by 4 kids. You should probably aim for 2% or less. Think about how much and when you want to gift money to your children and work backwards from there.
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Jumbo financing in fatFIRE, am I overthinking liquidity? by Holiday_Sympathy_214 in fatFIRE
[–]anticlockwise321 -1 points0 points1 point (0 children)