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[quote=Anonymous]OP, if you really love decor and have a 470K HHI, you are probably not going to be happy with 30K unless you are furnishing a 1 bedroom apartment.

A decent dining room table will cost a couple K (really more if you want a serious solid wood piece that seats 10 or more and will last), so will the chairs, throw in lights you'll want 1-2K or more if you need a chandelier.

If you have time to shop a lot you can probably save,but especially if you have taste in nice art or rugs, 30K is really extremely low for your income bracket and tastes.

We have a 400K income, no debt or car payments and recently spent about 8-9K for our foyer (we have a big house).  That was a splurge, but really, I expect to refurnish the whole house would be significantly more than what you are quoting. That said, it also depends on how casual your taste is.  We have a formal foyer and dining room, but to do the whole playroom is going to be less than $2k unless I splurge a lot on the couch.

Don't set out to spend massive amounts, but if you can afford it and it will make you happy, why would you go crazy trying to spend less?  You also don't need to do everything at once if you have old things that will make do for a while.  It's probably good to wait a bit in a new house as well so you can see what will work for you.
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