Patrick Rumore - The NJ Homeowner’s Guide to Lower Taxes and Better Living

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's New Jersey.”

There are towns that offer:

• Lower taxes • Strong schools

• Great neighborhoods • Solid long term value

Once you make a move like that, the story does not end at the closing table. Your future depends on how you use the breathing room you created.