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Cut-Throat
Guest
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but I take it (and other personal property) off the table from a planning perspective.
My point with Cut Throat, is why consider selling a home
that you love, and do not have to because a computer program tells you that it would be prudent.
Your approach, and Cut Throats probably makes more sense for discussion, but I am an optimist, and do not believe that you have to settle for 4% especially in the early years.