I dunno about that. I bought a house well within what I could afford. The bank actually thought we made a mistake and reminded us they would approve a loan double the size of what we asked.

All it takes is two or three really expensive things needing work at the same time to blow your budget out of the water. And often there’s no clear answer on what’s truly urgent.

Water is entropy manifest to constantly remind you that anything you do is temporary and laughably futile on geologic timescales.

Gotta love having an old house. It’s simultaneously reassuring and deeply stressful when a professional looks at something that seems really bad and just says, “Well, I can tell from the layers of paint that’s been there a long time. So if it hasn’t become a problem in all that time, it’s probably fine. But give me a call if your house starts falling apart.”