Patrick writes the way he speaks: conversational, down to earth, and focused on helping people make choices that support both their finances and their lifestyle. He does not claim to be a tax professional or financial advisor, and he does not need to. His strength is in connecting the dots between numbers, neighborhoods, and long term life goals. This is the kind of book you read once, think about for a while, then read again with a pen in hand. It will challenge assumptions you may have held for years. It may open your eyes to new towns, new ways of thinking, and new paths forward. Most importantly, it gives you the space to do your own homework first. When the time comes to act, you will be better prepared, more confident, and far more informed. Whether you are dreaming of more space, planning for the future, reducing financial stress, or simply curious about what else is possible, this book is a practical companion. New Jersey is a state full of opportunity. Sometimes, all it takes is learning how to look at it through a different lens. This book is that lens. ~The Publisher Disclaimer: This book is for educational and informational purposes only. It is designed to help you think about property taxes, town selection, and real estate decisions in a more strategic way. It is not financial, tax, legal, or investment advice. All examples, figures, scenarios, charts, and comparisons in this book are simplified and approximate. Property taxes vary by town, by property, by assessment changes, and by year. Home prices vary based on condition, location, upgrades, market conditions, and many other factors. Mortgage qualification and monthly payment estimates depend on interest rates, loan products, credit scores, debt to income ratios, lender guidelines, and other underwriting criteria.
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