Preview — The Goal
🎯 The Goal: Homes quietly degrade if you don't budget for upkeep — and the big bills are inevitable, not hypothetical: roofs die (~20-25 yrs), HVAC dies (~15), water heaters die (~10). The rule: set aside 1% of your property's value every year into a dedicated account ($350K home = $3,500/year ≈ $292/month) so the $9,000 roof is a transfer, not a crisis loan.