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@aprilranta Make sure you have a good “oh shit” fund. Once you own a house, expect stuff to break. We had to replace the HVAC a month in. We knew it was old and had to be replaced at some point, but it died within weeks. And on a SF home you can spend anywhere from 7-17+k depending on size...

@tongdtbds4 Yeah, definitely not. Both places we bought had stuff crap out shortly after purchase. In this house it was the aging HVAC. We’d hoped it would chug along another year or two, but it was within a month or so of moving in. We had an emergency fund (or rather enough funds) so no...