Dita & Rafi — Planning Their Dream Home

Overview

Dita and Rafi, both in their early thirties, earned well but saved haphazardly: retirement accounts half-funded, a down-payment fund that kept getting raided, and no wills despite a toddler at home. Their dream home felt five years away — indefinitely.

The challenge

Every goal competed for the same paycheck, and without an order of operations the loudest expense always won. They also carried an unspoken risk: as unmarried-at-the-time partners with a child, their paperwork did not reflect their intentions at all.

Our approach

We sequenced everything into one ordered list — emergency fund first, then down payment with automatic transfers timed to paydays, then retirement catch-up. In parallel we coordinated wills, guardianship designations, and beneficiary updates, and restructured their withholding so the refund they once celebrated became cash flow they could use monthly.

The outcome

Twenty-two months later they closed on a three-bedroom within fifteen minutes of both offices. The down payment arrived on schedule, their documents match their intentions, and the same ordered system now funds college savings.