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pizzarunner t1_iybmpee wrote

In a few other comments you mentioned you have $100k, but that some portion of that is retirement savings. Don’t lump your retirement savings in with your other savings, even mentally. While they may actually help you secure slightly better loan terms, you should not think of those as available savings. And hopefully they are in a 401k or IRA!

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SmarterShelter OP t1_iybn5mj wrote

That's fair. I really need to start a Roth IRA before I do this year's taxes. Meant to do it last year..... Didn't finish the research into which type on time.

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