Nicole Lappin

Well, no, the assumable mortgages, those are often for VA loans or assumable loans that you would take on the interest rate, which is great, but you also have to take care of what they've paid into the mortgage. So you might have to fork over a bunch of cash, but there are definitely options and I'm glad you're considering them.

Well, no, the assumable mortgages, those are often for VA loans or assumable loans that you would take on the interest rate, which is great, but you also have to take care of what they've paid into the mortgage. So you might have to fork over a bunch of cash, but there are definitely options and I'm glad you're considering them.

Well, no, the assumable mortgages, those are often for VA loans or assumable loans that you would take on the interest rate, which is great, but you also have to take care of what they've paid into the mortgage. So you might have to fork over a bunch of cash, but there are definitely options and I'm glad you're considering them.

The second thing I'd consider is tweaking your spending plan so that you can be saving more money over the next two years for that down payment. With your HELOC and your student debt and your two mortgages, if I were you, I feel like that's a lot to juggle. So I'd probably try to make my next down payment through savings rather than with the debt. I'm sort of with your husband on this one.

The second thing I'd consider is tweaking your spending plan so that you can be saving more money over the next two years for that down payment. With your HELOC and your student debt and your two mortgages, if I were you, I feel like that's a lot to juggle. So I'd probably try to make my next down payment through savings rather than with the debt. I'm sort of with your husband on this one.

The second thing I'd consider is tweaking your spending plan so that you can be saving more money over the next two years for that down payment. With your HELOC and your student debt and your two mortgages, if I were you, I feel like that's a lot to juggle. So I'd probably try to make my next down payment through savings rather than with the debt. I'm sort of with your husband on this one.

That's just me. That makes me more comfortable.

That's just me. That makes me more comfortable.

That's just me. That makes me more comfortable.

I mean, what I would recommend is your house hunting is doing an exercise with your husband where you can sit down and make a V1 retirement plan. It's V1, so you're not signing a contract. You can always make changes, but it's always easier to edit than to write. Right. So just have something that could be your map for retirement. Just put something down so we could start planning for that.

I mean, what I would recommend is your house hunting is doing an exercise with your husband where you can sit down and make a V1 retirement plan. It's V1, so you're not signing a contract. You can always make changes, but it's always easier to edit than to write. Right. So just have something that could be your map for retirement. Just put something down so we could start planning for that.

I mean, what I would recommend is your house hunting is doing an exercise with your husband where you can sit down and make a V1 retirement plan. It's V1, so you're not signing a contract. You can always make changes, but it's always easier to edit than to write. Right. So just have something that could be your map for retirement. Just put something down so we could start planning for that.

And of course, there are going to be detours and life and you know what else happens all the time. So it can and will change. But having something down. gives you more direction than what you have right now.

And of course, there are going to be detours and life and you know what else happens all the time. So it can and will change. But having something down. gives you more direction than what you have right now.

And of course, there are going to be detours and life and you know what else happens all the time. So it can and will change. But having something down. gives you more direction than what you have right now.

So what I would do is think about what your burn rate would be in retirement, which also involves deciding whether you want to live in one of your properties that you own, or if you want to live in the Four Seasons or wherever.

So what I would do is think about what your burn rate would be in retirement, which also involves deciding whether you want to live in one of your properties that you own, or if you want to live in the Four Seasons or wherever.

So what I would do is think about what your burn rate would be in retirement, which also involves deciding whether you want to live in one of your properties that you own, or if you want to live in the Four Seasons or wherever.

And then once you have your burn rate, you're going to have to do something that feels uncomfortable, which is multiply that by how many years you think you'll be in retirement, aka how long you think you're going to live. You'll also want to consider the potential for inflation and increased health care or long-term care to actively prepare for what you might need down the road.

And then once you have your burn rate, you're going to have to do something that feels uncomfortable, which is multiply that by how many years you think you'll be in retirement, aka how long you think you're going to live. You'll also want to consider the potential for inflation and increased health care or long-term care to actively prepare for what you might need down the road.