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Putting my LBYM hat on.

Is the max home price near the price you want to pay? I like the flexibility in my finances due to buying a home at 1/2 of the calculated max price.

Yeah, for clarification, "max home price" is the amount I informed the broker was the max home price that WE would want to pay. Actually, it's the max LISTING price for houses that we're looking at, so max purchase price would almost definitely be less, at least by a little.

The assumptions on Ye Olde Excel House Budget Workbook include both syncspouse and I maxing out 401(k)s, Roth IRAs and the ESA, as well as a certain amount per year to the 529. It also assumes zero annual bonus and certain conservative assumptions regarding syncspouse's compensation.

I was told, no surprise, that we qualify for a LOT more house than our max. Hell, I feel a little uncomfortable with the idea of even paying our max for a house...which would explain why it's our "max", right?

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