When planning a budget for a new home, the golden rule is: "The amount a bank lends is not the amount you should borrow." To bridge this gap, wise buyers consult a Financial Planner (FP) to simulate future cash flows, including education and retirement costs. The "Cash Flow" vs. "Asset Value" Gap While most FPs are excellent at analyzing long-term cash flow and insurance needs, very few are experts in buildings as physical assets. Specifically, they may not fully account for