I fail to see how you can exclude it from your investments. The how is easy. I just do.The why is more difficult. I plan to retire in approximately 7 years. At that time I will have 10 year old and an 8 year old kid and 23 years left on the old mortgage (we just moved). Therefore, I have calculated into my needs the cost of that mortgage, plus taxes and insurance and maintenance for this house. That tells me how large the house bucket needs to be.So, I have the house in there as a cost. But it does nothing to add to my retirment income, so in that regard I do not list it as a retirement asset.
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