California E&S Insurance

Agreed. I finally got real and did the math. Even if I save 2k a month (after maxing ira and 401k match and an emergency fund), it would take several more years for me to "save" the down payment (120k) to buy an average family home in my area. In those same 5 years, that average home is likely to increase by that amount, maybe even more! Even assuming I get regular raises, and find a way to get just as much tax incentive from renting, I'm still living like I'm house poor as I just wait... Hoping my aging landlord doesn't sell out from under me. I finally jumped. Mostly for the kids' sake. If there is some crazy economic calamity, I'll be sorry, but barring that, at least I'll be stable.

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