Life’s Been So Stressful

This September, my wife and I started viewing houses to buy for our first home. This’s been a long time coming—for the past 5 years, we’ve been saving aggressively and safely investing our savings in index funds, which have performed remarkably well. We genuinely thought it’d take us at least a few months to find a house that we’d want to put an offer in for just because our budget is tight and we’re looking in one of the least affordable places in Canada (the Greater Toronto Area), but, as luck would have it, we came across a gorgeous freehold townhouse that we both loved within 2 weeks of viewing. The listed price was almost $100k out of our comfort zone, but we put in an offer anyways because many properties here have been sold under asking these days. Shockingly to us, after a few rounds of negotiations, our offer was accepted at a price well within our budget! As amazing as that is, the acceptance also marked the beginning of a very stressful period for me. First, we had only 24…