The Stacking Benjamins Show · Friday, October 30, 2026
The panel debated whether home buyers should proceed with a home purchase if they are left with only $4,000 in cash after closing. Jesse Kramer argued that leaving less than 1% of the house value in cash is too risky for emergencies, while Paula Pant and OG discussed the necessity of managing ongoing monthly payments and maintaining appropriate liquidity for maintenance.
“I'm going to get out of that house. I think that is too tight of a margin. And again, just thinking about what's this house cost, you know, $500,000, maybe even more.”
“You're generally supposed to spend one to 3% of your home's value on maintenance every year. If you've only left four grand in your account, and even if you have the cash flow on a principal and interest payments... you're not going to be able to maintain that house.”