Homeowners ready to sell & buy
Fictional household · Robert & Linda Doe · empty nesters
Strong equity, fully funded reserves and a separate purchase fund — ready to sell and downsize.
Robert & Linda Doe
Homeowners ready to sell & buy
Fictional Household Example · Illustrative Readiness Profile
Five-Pillar Scorecard
| Credit Strength | 100 | Score of 800 | |
| Cash Flow & DTI | 100 | 23% debt-to-income | |
| Emergency Fund | 100 | 7.1 of 6 months | |
| Debt Health | 100 | $0 consumer debt | |
| Mindset & Habits | 100 | Self-rating results |
Emergency Fund: Fully Funded
Plan: $0/mo ($0 cut spending + $0 side income + $0 other). Timeline: Done. Then save for down payment and closing costs.
Protects against: Income disruption · Unforeseen family emergency · Economic upheaval · Natural disasters · Divorce · Victim of crime or violence
Household Vision & Property Goals
Regional context: Riverside–San Bernardino–Ontario typical home value $581,454 (Zillow ZHVI, August 2026); BEA regional price parity 106.442 (2024 (released February 2026)). Household inputs are fictional. Closing costs at 2.5% are a planning allowance.
Real estate holdings
| Property | Value | Mortgage | Equity |
|---|---|---|---|
| Family home | $875,000 | $310,000 | $565,000 |
Our household exists to gain the freedom to choose how we spend our time.
Within five years we will be on track to retire on our own terms.
- Downsize and free up equity
- Max out retirement contributions
- Leave a legacy for my children
Balance Sheet — Assets
Your household assets by category, with guidance.
Assets
$1,619,000- Emergency fund (Money market account)$95,000
- Fully funded and accessible. Keep it untouched and in place.
- Bank checking$12,000
- Money market$10,000
- Down payment & closing savings$120,000
- Stocks$45,000
- You have no bonds. Bonds can steady a portfolio as you get closer to a purchase.
- 401(k) / 403(b)$320,000
- IRA / Roth IRA$85,000
- Health savings account$12,000
- Avoid borrowing or withdrawing from retirement for a down payment unless it's part of a deliberate plan. Penalties and taxes can be costly.
- Family home$875,000
- Real estate equity: $565,000.
- Vehicles$45,000
Liabilities & Cash Flow
Liabilities
$310,000- Family home$310,000
- Mortgage debt backed by appreciating real estate is productive debt. Focus extra payments on higher-interest debt first.
Cash flow & goal check
Monthly cash flow: $3,180 ($16,500 in · $13,320 out). Your goals are already funded.
- 6-month emergency fund ($0)Done
- Down payment & closing costs ($0)Done
- Pay off non-mortgage debt ($0)Done
Your Personalized Action Plan
- With your emergency fund in place, review your down-payment and closing-cost savings before making a purchase decision.
Pay Yourself First
Set aside at least $1,650 each month — 10% of your $16,500 total monthly income. Maintain your automatic savings habit and protect your fully funded reserves before committing cash to a purchase.
Coaching for Your Next Move
- The $95,000 emergency reserve stays untouched. The separate $120,000 purchase fund already covers $105,000 down (20%) plus $13,125 estimated closing costs on a $525,000 replacement home.
- Illustrative sale: $875,000 sale price minus $310,000 mortgage payoff and $52,500 selling costs (6%) leaves $512,500 before taxes, repairs or other adjustments. This is future equity, not cash already available.
- Coordinate sale and purchase timing with your team. Confirm temporary housing or a sale contingency rather than assuming you can carry two homes indefinitely.
- Maintain at least $1,650 monthly in retirement savings. After sale, review net proceeds, replacement-home costs and possible capital-gains taxes with qualified advisers.
Resources & Your Advisory Team
Your reading list — free for members
- • Run Your Household Like a Business
- • The Credit Handbook
- • 10 Proven Methods For Building Credit
- • The Mortgage Handbook
- • How Much House Can I Afford?
- • African American Homeownership Initiative (AAHOI)
Explore the site and complete this assessment without joining. Membership includes every book as a free ebook, access to online real estate and business courses, and resources to revisit your plan as life changes.
Annual membership saves $60. Online real estate and business courses are included for members; $97 each for nonmembers.
- Introductory Strategy Session — $250. One hour to review your blueprint, discuss priorities and identify possible next steps.
- Personal one-on-one coaching — $350/hour. A private hour focused on your chosen financial priorities, such as cash flow, debt, credit or homeownership planning.
- Personal coaching · 10 hours — $2,500 ($250/hour) · Member: $2,250 ($225/hour). Ten private hours to revisit your priorities and progress as your circumstances change. Save $1,000 versus ten single sessions before the member discount.
- Business consulting — $500/hour. A one-on-one hour to discuss your business goals, financial picture and decisions you are weighing.
- Business consulting · 10 hours — $4,800 ($480/hour) · Member: $4,320 ($432/hour). Ten consulting hours for ongoing discussion of business priorities and progress. Save $200 versus ten single sessions before the member discount.
- Family coaching — $350/hour. One hour for up to 25 family members to discuss shared financial goals, household priorities and questions together.
If this assessment opened your eyes, share it with a friend or family member.
Fictional educational example, not an actual client result. Readiness is not lender approval; financing, property, tax and sale assumptions require independent review.
Your Trusted Advisor
Wealth Assessment & Blueprint
Proudly presented to
Robert & Linda Doe
for successfully completing the Wealth Assessment & Blueprint — a comprehensive evaluation of income, savings, debt, net worth and financial readiness.
Completed October 22nd, 2026
Ready for the next step?
Talk with Eric
Eric Lawrence Frazier, MBA
DRE 01143484 · NMLS 461807