UCG, I don’t know if 12500 will be reach ever. I may just be sitting on cash waiting forever.
I am lucky to be making decent income and save a fair chunk (growing up poor does that to you). Jumped in 08-09 and watched it appreciate. Now I kick myself every time I hear “the dow reached new high today”.

SDR, the bank is wellsfargo. The thing was, they required the 20% down to be liquid (cash) but also another extra $100K be pulled out of stock. when I asked why, the answer was “just the bank’s rule”. I also used another banker (US Bank) but the banker ignored me for weeks on end so I didn’t go with her. Wellsfargo’s banker was very good otherwise.

In the end I am glad I purchased 2 years prior b/c housing price in the BA has appreciated at least 20% since. I am just sore about teh lost opportunities.