[quote=AN]I don’t stretch the saving. I haven’t revealed to you what I earned from that saving, so how can I be stretching it? I just say I think one can reasonably expect 8% return over a LONG term. Whether it actually happen that way or not, we’ll have to see. I do consider 401k, IRA, & ESA as savings.[/quote]Okay, now reading and comprehension are breaking down, I spoke to what you were saving each month, nothing regarding your return. I couldn’t even if I wanted to because you never published it (totally fine with that, please don’t bother). Probably gets confusing when you’re making stuff up. If you’re earning close to $4,000 a month on investments, I beg you to private message me the details!

I think those are fine things to consider savings (especially since they are), but as some other posters have pointed out, they are hardly liquid investments. The theme in this thread (and the housing market in general) really hinges around non-retirement savings. You can’t (or at least you shouldn’t) be putting your retirement savings into a house purchase (and before you protest, I know you didn’t). But I’m not here to nitpick and I’ve been giving you full credit for any savings vehicle you’ve been using. It is indeed all savings.