[quote=sdnerd]Do you have 6-12 months emergency cash fund in addition to that $15k?
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That is a good point … Do 401(k) savings count for emergency fund? I have $15K saved up in the bank, and also $25K in the 401(k) … of course that value has sagged all the way down from $30K last year and even hit a low of about $22K in November of 2008, LOL…

Lucky for me I live in a low-end apartment, as it keeps my expectations from getting out of line. Hahaha. The O.P. is lucky to be able to afford a house — I would not be able to in a nice, central SD area until they are at $150K, at which point investors will probably be snapping them up. 🙁