It has officially been one year since Evan and his wife purchased their first home at 27 years old. In this solo episode of At Any Rate, Evan takes a transparent look at how the finances, lifestyle changes, and hidden expenses have actually played out over the past 12 months. From navigating Florida's home insurance landscape and new-build tax perks to dealing with $2,200 shower door quotes and managing property tax reassessments, this episode breaks down what went according to plan, what came out cheaper than expected, and what unexpected mental loads every homeowner should prepare for. What You Will Learn The 55/45 Housing Rule: Why your fixed mortgage payment is only roughly half of your actual monthly housing outlay. The Unimproved Land Tax Perk: How buying a new build creates a temporary tax grace period—and how to use a High-Yield Savings Account (HYSA) to prepare for the reassessment lump sum. New Build vs. Existing Home Insurance: Why modern hurricane codes, double-pane windows, and attic insulation can save you thousands on annual insurance and utility bills. The 11-Month Warranty Inspection: The essential step every new-construction owner must take before their builder warranty expires. Managing Upgrade Price Volatility: How to budget for unpredictable contractor quotes, from lanai screening to garage floor epoxy. Avoiding the "House Poor" Trap: Why line-item spreadsheet budgeting is a mandatory tool for tracking variable overhead stack. Timestamps 0:00 – Year Homeownership Update 1:04 – Reflections on First-Time Homeownership at 27 & The Purpose of Building Wealth 3:29 – Location, Square Footage & The Lifestyle Value of Personal Space 7:52 – First-Year Home Upgrades: Lanai Screening, Epoxy Floors & EV Charger Setup 11:30 – The 11-Month Builder Warranty Inspection: Catching Issues Before Expiration 14:12 – The Purchasing Process & Working with Lenders vs. Sales Agents 17:56 – Mortgage Reality: Fixed Payments vs. Variable Monthly Expenses 19:28 – The "Unimproved Land" Tax Effect & Receiving an Escrow Refund 20:48 – Home Insurance in Florida: Code Upgrades, Wind Mitigation & Flood Insurance 24:29 – Energy & Utility Efficiency: double-pane Windows & Insulation Savings 25:45 – The Shift from Renting to Managing Multiple Expense Line Items 28:34 – Mental Load & Tracking Moving Parts to Avoid Becoming "House Poor" 32:04 – Home Upgrade Volatility: $2,200 Shower Doors vs. $1,200 Screened Lanais 33:44 – Emotional Overhead: Hurricane Preparedness & Lack of Historical Lot Data 37:04 – Florida Property Tax Reassessments: Homestead Exemption & The HYSA Strategy Resources Mentioned The Value Spotlight Newsletter: https://einvestingforbeginners.com/value-spotlight-newsletter/ Free monthly budgeting spreadsheet: https://einvestingforbeginners.com/budget/ Email Evan: [email protected] Have questions or want your story featured? Email the show at [email protected] or comment below. Your feedback shapes the podcast! Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate, we’ll see you next time. Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today’s show is sponsored by: Download the Plynk app today to start building your investing confidence. https://plynkinvest.app.link/IFBpodcast Download Cash App Today: https://click.cash.app/ui6m/0th4z72y #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. Shopify: Stop waiting for permission to build something. 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