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I’d add a caveat to the “every next step needs an owner” lesson: knowing the person responsible is not enough unless you also know what they are waiting for. One delayed item can sit between the lender, seller’s side and buyer without anyone treating it as theirs. A short written list of...

In that case, use separate pots rather than one general buffer: untouchable emergency savings; known closing and first-month obligations; moving costs; and an inspection-led repair reserve. Furniture comes last. For the first few months, buy only what makes the townhouse functional. Empty rooms...