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Just curious, how much does the entire home value in three years contribute to the 1M? Is any of the proceeds excluded from the 1M, and going to the equity of the next home?

Within 5 years, you have depleted the income assets (MM account and CD's) of the retirement fund. Okay, it might not be entirely "depleted" if you have built equity in a new home, but it still means you will need money from somewhere.

House would contribute around $275k. We would probably rent for the next few years in lower cost areas near family. Although rent free for some time, particularly while staying with my wife's mother.

As far as depletion. In a spreadsheet if I assume 2% dividends, plus 8% CAGR on the $300k in stocks over 10 years including inflation adjusted withdraws.... After 10 years, the CD's are fully intact and I still have a little over $210k in stocks outside of the ontouched retirement accounts.

If the market doesn't cooperate, I'd be back to work.


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