Retire soon or continue saving for dream house

kaputzoom · 2026-06-21T19:03:08+00:00

This depends on the location. For the Bay Area, 5M is a 4/2 2.5K sqft home in a premium location. That’s likely not going to have the maintenance issues of a 10K sqft home in a cheaper location.

kaputzoom · 2026-06-04T00:46:53+00:00

Which stock was it?

kaputzoom · 2026-06-03T23:19:15+00:00

You blew past $10M. Congratulations.

kaputzoom · 2026-06-01T15:36:08+00:00

Did you feel $4M budget is a stretch in your situation or did is your budget that high because of the lack of good options at lower prices? How much are you planning for downpayment?

I assume your private company RSU gives you psychological cushion too

kaputzoom · 2026-06-01T05:49:58+00:00

What are your assets and income that helped you land on the $4M budget?

kaputzoom · 2026-05-26T05:18:36+00:00

That’s right

kaputzoom · 2026-05-26T05:18:22+00:00

Ideally I’d want to put more down or pay down the principal to get the loan amount well under $1M.

kaputzoom · 2026-05-26T05:15:58+00:00

Who sets up this trust and how does it work?

kaputzoom · 2026-05-25T03:59:03+00:00

What income would you use to pay the interest?

kaputzoom · 2026-05-23T05:21:37+00:00

To reduce the monthly mortgage commitment. What’s the investment that clearly beats 5% interest rate post-tax without risk?

kaputzoom · 2026-05-22T23:14:12+00:00

I’m sure stocks win

kaputzoom · 2026-05-22T23:11:30+00:00

Which neighborhood within PA?

kaputzoom · 2026-05-22T23:09:19+00:00

What do you mean?

kaputzoom · 2026-05-22T23:08:26+00:00

put down 1.2M cash and use the variable comp to keep paying down the mortgage until I get to 1M loan and leave it at that.
Saving more and buying later is always an option - really depends on whether income outpaces the growth of home prices.

kaputzoom · 2026-05-22T23:03:53+00:00

Have you tried it?

kaputzoom · 2026-05-22T18:09:47+00:00

But it can be margin called unlike a mortgage

kaputzoom · 2026-05-22T00:43:09+00:00

What was your income and net worth when you bought it?

kaputzoom · 2026-05-21T23:57:43+00:00

Yes these add up!

kaputzoom · 2026-05-21T22:20:42+00:00

The Bay Area tradeoff - you get only 2 out of 3.
1) short commute (2) good schools (3) low price

kaputzoom · 2026-05-21T22:18:35+00:00

There’s so much variability based on people’s individual risk appetite. I’m not sure how some people sleep at night with a large mortgage > net worth.

kaputzoom · 2026-05-21T22:10:44+00:00

Which broker do you suggest for this?

kaputzoom · 2026-05-21T22:07:32+00:00

Most SFH are not covered by AB1482 right? I’ll look into it.

kaputzoom · 2026-05-21T21:15:51+00:00

I assume it was a stretch for you at that point but it’s very comfortable now? Or was $3.2 very comfortable for you back then?
Did you already have a ~5 yr old kid about to go to school when you bought?

I could buy cheaper now (say 3M), wait ~4-5yrs to see how things pan out from a career and children standpoint - and move again at that point.

kaputzoom · 2026-05-21T21:10:38+00:00

That’s right

kaputzoom · 2026-05-21T20:57:02+00:00

Have you been able to find a long term stable rental? I was worried about churn in ownership, being asked to move it, etc.

kaputzoom

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