Never drain your account to $0. Keep an emergency fund for immediate repairs or new furniture. 2. Audit Your Cash Flow
Expect to pay 2% to 5% of the home’s purchase price in taxes, lender fees, and appraisals.
Lenders care about your "buying power." While saving, focus on: saving money to buy a house
Aim to put 50% of income toward needs, 30% toward wants, and 20% directly into your house fund . 3. Automate Your Ambition