My role as your Realtor is not to tell you which ETF to buy or which debt to pay first. It is to help you create the real estate structure that sets you up for success: • A home in a town that aligns with your tax and lifestyle priorities • A monthly cost that fits your comfort zone • A path forward that supports your other financial goals Once you have that foundation, your financial professionals can help you decide how to deploy your tax savings in a way that truly matches your life. A Simple “Tax Savings Allocation” Worksheet Here is a simple structure you can sketch on paper or in a notes app:
Expected annual tax savings: $__________ Expected monthly tax savings: $__________ Then allocate: • Emergency fund: ______ dollars per month
• High interest debt payoff: ______ dollars per month • Retirement contributions: ______ dollars per month • Other investments: ______ dollars per month • Fun and lifestyle: ______ dollars per month If you actually write these numbers down and set up automatic transfers where possible, you have taken the hardest step.
Bringing It All Together This whole book has one core message: You do not have to accept your current situation as unchangeable just because “it is New Jersey.”
There are towns that offer: • Lower taxes
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