u/Additional-Slide-141

I am in the market to buy my first home and as it gets closer to the possibility of putting an offer down, I get more and more stressed about the final cost and what I'll inevitably be left with.

Here is where I'm at financially. I have roughly 220K in a joint Contrafund+Blue Chip account, $60k in my own personal savings, and my paycheck brings in about $2500 every two weeks ($5k mo). The plan was to use the entirety of the $220k for a down payment to keep my mortgage as low as possible and then not touch a penny of that $60k. That is reserved for closing costs, taxes, general moving expenses and ultimately the capital gains tax come April. My goal for my monthly expenses (PITI + HOA) is to be no more than $2500. The two listings I am looking at would be a $250,000 loan + $610 monthly HOA and a $200,000 loan + $845 monthly HOA.

The thing that is stressing me out the most is the Capital Gains Tax. The thought of having to owe $30k in March just bc I took out MY own money is mind boggling. I'm single and doing this all by myself and just want to make sure I'm doing everything as right as I possibly can. I've discussed the possibility of a 2/1 buy down but that also stresses me out being out an additional $6k upfront even with a lowered mortgage for the first two years.

Is there anything that I should be doing differently? I know there are other accounts that exist that don't accrue the capital gains; is that something I should look into and which type of account should I move that to? Is that even possible!? I just can't shake this feeling that something will screw me over and I'll be house poor.

Any and all advice is much appreciated, thank you!

I had my first ever sleep paralysis episode in my life all caused by one simple moment in my dream. For context, in my dream I was at a table having a meal and went to take a sip of my water. In my dream I was able to notice the lack of sensation of the water hitting my lips. I immediately had this intense wave of numbness around my mouth and when I tried to bite my lips in my dream to see if they were in fact numb, I realized I was unable to move my face, then realized I couldn't move my entire body. I then had the sensation of being unable to breathe as I was unable to open my mouth. I finally was able to "force" myself out of that and regain sensation in my face to open my mouth then finally regains the ability to move my body. It lasted 5, maybe 10 seconds total.

I am wondering if that is a common occurrence with sleep paralysis? I've heard from most people that my people have sleep paralysis the moment they wake up and not necessarily in the middle of the night / during a dream.

I am curious if this happens to other people and am also curious what other symptoms/sensations you experience. The sensation of not being able to breathe has led to a bit of sleep anxiety and I find my self staying up later and I'm scared it will happen again. Thanks!