Rip (caller)
Listener and caller from Cleveland seeking advice on whether to reduce retirement savings to afford a larger 'forever' home while balancing childcare costs and household cash flow.
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Feb 15, 2026 • 22min
How Much House Can We Afford?
Rip, a caller from Cleveland balancing a federal-pension spouse, daycare costs, and existing mortgage, asks if they should trim retirement savings to afford a larger forever home. The conversation covers realistic home price targets, the $4,000 monthly cashflow squeeze, timing the move around childcare, and temporary pauses to retirement contributions. Practical next steps include insurance and estate document checks.
