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@keith123456 fair. i should perhaps have clarified how seriously i meant the "only as much you think you'll need" part. I knew we were never having more than 2 kids, that i wanted to make it easy to tell people they could not stay over since we didn't have room, and that even if i worked from...

@jwinder Buy only as much home as you think you'll need. I have a family of four in a 1900 sq foot house, even though I could have gotten a loan for something much bigger. Zero regrets.

@breatheinthedeepbluesea My spouse is a teacher. Over the years we have done both. If you can handle the budgeting, no reason not to do 9 over 9 though the interest probably isn't going to be life changing

@laterrainfot If rates were to go up, arguably your CD is worth less if you try to sell it, but otherwise it's like a bond just hold it to maturity and then you get all your principal + interest

@laterrainfot i have looked at this as well. IMO the yields on CDs aren't any better to make it worth locking up the money, unless you really think interest rates are coming down and you can get a cd that isn't callable a potential alternative is treasuries. I bought a bunch maturing at the...

@godisatulpa I think so? For example, my plan offers VINIX as the lowest fee infed fund and the appropriate target date fund given my age would be FFIZX. 10 year total return for the former is 11.9% vs 7.5% for the latter. I don't consider 10 years a short period!

@bint3 Does anyone swear by those target date funds? every time i've ever looked at them in my plan offerings, the performance was worse and fees higher than the general index funds