Reply to What’s the e best financial decision you’ve ever made?

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[quote=Anonymous]1. Married the right spouse (25 years and counting).  Fantastic spouse, parent, contributor (financially and emotionally)
2. Selected the right careers for our strengths and then dive head first into our careers, while trying to balance families.  It was five and take at different times (when one flexed, the other flowed).. Maxed 401ks. Took sideways career risks, while demonstrating longevity when necessary. Took position with pension mid-career, while other got lucky with start-ups.
3. Only 2 kids (by accident, but in hindsight it was perfect for us financially)
4. Public school educations for kids (and opened 529 before each was born). Each attended public undergraduate and MBA programs, with high reputation in their majors.  Well-rounded and we never got caught up in the early race for privates (which have advantages but not enough to offset price in VA public schools and out of state public universities)
5. Purchased the biggest house we could afford in late 20’s (before kids), and paid off mortgage (refinancing along the way).  Did not move (to avoid transactional, remodeling, and other costs). Paid for remodeling / redecorating over time, but selected the best layout / floor plan for our future needs up front.
6. Bought investment real estate early, selling in high markets, buying again a few years later when markets dipped. Personally, that was pretty easy as when things get too frothy (like now), sell.  Then when things seem to drop and  plateau, then wait a year and rebuy.  Won’t time it perfectly of course - but General swings are cyclical over decades. 
7. Buying lots of Apple early and riding the wave.

Biggest mistake: not investing in overall stock market aggressively enough. Very good gains over the decades but not fantastic (a few points under market average). Who knew??! :)
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