Honestly, we are very well off. Like house poor is a thing but I don't think they pay people who are _bad_ with money 350k a year to work in the finance departm

Honestly, we are very well off. Like house poor is a thing but I don't think they pay people who are _bad_ with money 350k a year to work in the finance department. 350k per year -> 29k per month taxes (~30%) -> - 9k per month mortgage pmt -> -10k per month This still leaves 10k per month for living expenses. You might not be able to max out two mega backdoors, depending on corporate match, but it seems like not furnishing the home you bought is more of an optimization choice than a budget constraint.