No fixed move-in date — staying in Huber Heights through at least end of 2027. Household surplus flows down an ordered list of goals; the Sweetwater purchase happens whenever we're ready after that.
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 is done): double payments most months, triple in October.
Starting February 2027 — an ongoing annual priority (max both accounts every year), not a one-time finish line. Replaces the old "restore 401k to 16%" plan; the 401k still rises 2%/year at each raise instead.
Lowest priority — steady $100/month plus all interest earned on the Capital One 360 HYSA, throughout. Gets extra surplus only once priorities 1-3 above are satisfied.
In order. Don't skip ahead.
A Sweetwater condo, 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.