← Back to Home Hub

📈 Investment

Hub-internal · P2 P4 · Side A vs B + floor guardrail

Current position

Brokerage total $49,509
Brokerage floor (hard guardrail) $39,000
Margin available $10,509
Monthly investing $1,031/mo
Max safe liquidation $10,509 (would land at floor)

The internal debate (per master plan)

Side A — Aggressive investing preserved — preserve compounding + market participation + long-term wealth engine. Master plan: "avoid emotionally driven liquidation."

Side B — Shift toward home ownership — accept some opportunity cost to accelerate home purchase + lifestyle stabilization. Master plan: "home ownership itself can become forced equity growth."

With $10,509 of headroom above floor + $3,157/mo savings velocity, BOTH sides become feasible. The choice is about pace, not survival.

Side A vs Side B scenarios

Zero liquidation (DP from cash flow only)
Post-event brokerage $49,509
Margin vs $39k floor $10,509
Monthly investing $1,031/mo

Side A intact · DP path = ~7 months at $3,157/mo velocity · zero portfolio damage

Partial liquidation ($5k)
Post-event brokerage $44,509
Margin vs $39k floor $5,509
Monthly investing $1,031/mo

Brokerage $44,509 preserved · DP target hit ~1.5 months sooner · investing continues

Capital strategy cap ($8k max)
Post-event brokerage $41,509
Margin vs $39k floor $2,509
Monthly investing $1,031/mo

Original capital strategy cap · brokerage $41,509 preserved (still above $39k floor)

Side B aggressive ($10k liquidation + halve investing)
Post-event brokerage $39,509
Margin vs $39k floor $509
Monthly investing $515/mo

Brokerage $39,509 (at floor margin) · investing $515/mo · DP target hit ~3 months sooner

Post-purchase contribution capacity

Master plan goal: "Continue investing post-purchase. Maintain ongoing contributions even during mortgage phase."

Pre-purchase investing rate $1,031/mo
Post-purchase if PITI absorbs ~$2,200 personal share $3,029/mo cushion remains for investing

Math: $6,260 repurposable − ~$2,200 personal PITI share (master doc estimate) − $1,031 current investing = remaining cushion for additional investing OR other priorities.

Action