Savvy Financial Latina here. I write over at my site, although in the past year I have been less active. But I still keep up with everyone by reading their posts.
So, we moved to Saint Louis from Dallas 1 year ago. I received a job offer I couldn't refuse and so I relocated.
We rented our house in Dallas to a couple of friends. So far so good.
6 months ago we started looking at whether we wanted to buy a house in STL. We, also, started saving money for a down payment.
But as we have been envisioning our next few years and where we are the happiest, we decided that Saint Louis was not our long term place. We miss Dallas. We miss our friends. Yes, we are homesick. But, also, our jobs are not satisfying. I am earning more but I am more stressed. My husband, also, got a new job. He's earning more, but again more stressed.
At least in Dallas, we could see our friends and blow off some steam. It helped.
My 401K doesn't vest until 2 years from now. Plus I have another year before my relocation money expiration expires. So, I'm locked in with the company until July 2019. But I'm already trying to figure out my next move. Either I will move with company overseas or I will find a job in Dallas again.
So, now I have $35K in cash that was allocated to the down payment fund. That's over and above the $50K I have in my "emergency fund".
I know I should invest the $35K (at least) in my VTSAX brokerage. (BTW I already max out 401K, IRAs, HSA). But I'm hesitant. Part of me wants to wait until the market falls.