We are a 35 and 31-year-old couple earning a combined $125k annually. Our plan is to invest aggressively until retirement and then purchase a home outright to minimize housing costs.
Considering such a strategy requires a careful understanding of liquidity needs and market volatility as you approach retirement. In my experience, delaying home purchase means you must rely heavily on investment returns, which can fluctuate untimely. It’s essential to examine how unexpected downturns might affect your retirement income and timing. Setting aside an emergency fund or maintaining a less aggressive portfolio once you near retirement can help maintain stability while still pursuing a cash purchase later on.
hey, i like ur plan but remember that market downtrns might catch u off guard. having some liquidity to shift into less risky assets as retirement gets nearer could rescue u if things go south. good luck figuring it all out!
Really fascinating plan! I’m curious how you’d balance the risk if investment returns dip unexpectedly? Have you thought about creating a safety net or adjusting your aggressive strategy as retirement nears? Would love to hear more about your risk management ideas!
Hey, your plan’s intriguing! I’m curious how you balance investment risk with waiting to buy a home. Have you thought about market downturns or cash flow adjustments as retirement nears? What led you to decide against early homeownership?