@ajm101: So your son got a PhD, was making 6 figures, and wanted to buy a house for less than 2 times his annual salary?BTW, the other thing I'd say is that a PhD doesn't give me immunity against losing my job or being overeager to buy early or something like that. I've already said why I think that's unlikely and so I think I'm mostly comfortable with the small risk, but at the same time I am cutting things a little bit tighter than maybe would be ideal. It is reasonable to provide some caution against that, even for me. (In some ways, especially for me, as if I were to wait even just a few months I'd make a big difference in the size of my non-Roth emergency fund.)
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