401(k) is Off Limits for Home-building Self-Lending

Self-Lending becomes Self-Loathing. You’ll hate yourself later. First, remember this. The context of this entire 123HomeProcess.com project is about you ending up owning your own home, or owning your next one. Toward that goal almost everyone suffers a kind of slow burning, anxious panic, fearing that the part about “owning” may never happen. At the very least it can seem …

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Then, Now & Later

The answer is : Because we keep planning such stupidly expensive houses! The questions are : How did American homes get so expensive? How did we get in this mess? How can we get out of it? This article is about what houses were like when they were affordable, what made them so expensive, and what they should be like …

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Distracted Driving – Hidden Building Cost – No Recovery

SETTING – It’s a dark and stormy night. A lull in the storm offers a chance for a man (his real name is Husband) to leave the sprawling building, where his office is located; and from which he is the last to exit. In front of the sprawling building is a more sprawling parking lot, now empty except for his …

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Grown Children MUST BE On Their Own for Money They Owe

Home Building Timeline Grid M5 (gold star) It’s not that this happen often; it’s that it happens ALL the time. DS (not even close to his real name) came to me for the design of a new home. He had done everything right, concerning his personal finances and long-range expectations. His plan was to build a house small enough to …