@Jonathan AlmanzaWell you have two choices, buy now at a high price while lenders are relaxed on lending standards or wait until standards tighten up and housing prices drop.

I think you need to take sometime and just go back and re-read posts... you're all wound up and trying very hard to make your point but it's either not being made clearly or no one really cares/agrees, this is now the 5th member that has called you out... you really just need to take a breather, stop complaining and take it for what it is... this is just a simple discussion, relax.  

their wealth equations have little to nothing to do with having happy family relationships, time for friends, time to relax & watch a little TV.some gurus (mainly ones profiting off people) bring lots of negativity towards a JOB (just over broke). 

Once the dust settles and some certainty enters back into the market that will relax again.  

What else we can talk about and relax our mind. 

Recently, the appraisal company reached out to my agent confirming that guidelines have been relaxed and he can go and do the appraisal as per lender's requirement.

My teacher significant other and myself are doing more relaxing and reading than projects right now. 

I told them I may have to bring my camper over on a weekend and sit back and relax .

These relaxed rules were meant to help stave off financial disaster, not provide "access" to your tax-sheltered retirement savings.The tax amount due on the distribution can be paid in 1/3 increments over 3 tax years from 2020-2022, or paid in full with the 2020 tax year.If you are in distress, but take $100K in a distribution, that likely means the distribution will be taxed at some combination of 22% and 24%, so let's call it 23% That means roughly $23K that you will owe in taxes one way or another. 

It is her smarts and my muscle that we will use to invest with.