• Lower monthly payment than a minimal down payment buyer • More liquidity than an all cash buyer • Some tax benefits if they itemize • Some opportunity for growth outside the house How This Fits The Theme Of The Book This book is about making smarter decisions within New Jersey. Moving to a lower tax town can transform your monthly numbers and your long term wealth picture. But once you make that move, another big choice appears: how you structure the purchase financially. You do not need to have every detail figured out right now. Your homework is to: • Understand the tradeoffs between cash and mortgage • Get a rough sense of what each option would look like for you • Write down your priorities around liquidity, stress, and long term growth Then, when you are ready, you can sit down with: • A tax professional • A financial advisor • And, on the real estate side, a Realtor who understands New Jersey’s markets and how these pieces connect That is where I can help. Not by telling you how to invest, but by helping you: • Model different purchase prices and tax levels • Coordinate with your lender if you choose to finance • Structure your timing so that your move is smooth, not chaotic You do your homework first. When you want to turn those numbers into a real plan, that is when reaching out to me makes
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