[ineedasername]

If you're losing everything, it really doesn't matter if your home was 2x or 20x. It's all gone. But for those situations short of losing everything, (lost job, furloughed, sick) then the scenario I outlined that allowed for saving 20% of income would be just of useful if housing was 60% of living expenses or 20% of living expenses.

But you also haven't commented on the aspect of the scenario I presented where a 4x home was still under Rule 28.

No single rule can encompass complex multivariate systems. That is all I am saying here. Otherwise, how about we end it here: It's clear we both agree that financial stability is good and should be a part of any long-term plan, we may simply disagree on the specific parameters that allow for it, which is fine. I appreciate the thoughtful conversation-- HN is one of the few places on the internet where I find that possible.

[busterarm]

The point is that you're significantly less likely to lose your home at 2x.