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Reply to "The problems of having your income be bonus driven"
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[quote=Anonymous]You’re not getting inconsistent advice. You’re getting risk-adjusted advice you don’t like. A $400k base is stable. Your $400k total comp isn’t. That’s the whole point. Nobody’s saying “live like a monk.” They’re saying: Don’t lock yourself into fixed obligations (mortgage) based on variable income Don’t swing to the opposite extreme and dump everything into an illiquid house Those aren’t contradictions, they’re guardrails. If you want the punchline: yes, you can buy the house. Just size it so the mortgage is comfortably covered by your boring, predictable income. Use bonuses/equity to accelerate payoff or build cushion, not to justify stretching. What’s actually annoying here isn’t the advice, it’s that you want permission to spend like your best years are guaranteed forever. They’re not. Plan like a grownup, then spend like one too.[/quote]
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