We got crazy lucky on the timing of our build. Any later, and we'd have missed getting the full First home builders grant.
Any earlier, and we'd have been on the hook for stamp duty. So sheer blind luck made a $30K difference to the bottom line.
I dumped my HUNT for US$2.5K a week ago, now it's worth $US10K.
Unless you have a crystal ball you're ignoring, you've gotta forgive yourself.