Updated
No fixed move-in date — the gates (House Fund, Emergency Fund, Jeep) line up around December 2027, so a February 2028 purchase near Jessica in Murrells Inlet is realistic.
Money flows to whichever priority is highest on this list that isn't fully funded yet. Lower priorities still get their own small steady contribution the whole time — they just don't get extra surplus until everything above them is done.
Treated as a "must-have" number, not a best case — closing costs + moving/furnishing (higher now that most current furniture is being left behind), for an out-of-state move.
Starting March 2027, right after the House Fund: double payments most months, triple in October. Target: paid off December 2027.
Starting April 2027 (Jaime) — an ongoing annual priority (max both accounts every year), not a one-time finish line. The 401k also rises 2% every November (to 20%), with a Roth 401k slice: 2% from January 2027, 6% by November 2028.
Lowest priority for extra surplus — but it gets $50/month plus the $300/month freed from the tax hold-back, plus HYSA interest, throughout.
In order. Don't skip ahead.
A condo within 20 minutes of Jessica, beach and golf course nearby, Jaime working remote, HOA handling the headaches — this is what all the budgeting is actually for. No rush to get there; getting there well-funded matters more than getting there fast.