Am I acting on F*** you money goal too early?
So I (27M) and finance (27F) have a HHI $550k, DINKs, liquid invested NW $650k, 70/30 brokerage vs retirement since early in our career we were considering a bigger house and went after tax heavy instead of retirement. We also have $150k equity in our home, 12 month emergency fund at $80k on top of my liquid NW number.
To be as quick as possible, I’m considering suing my HOA of which a large and reputable law firm in our area has won against this specific HOA/management company . Without getting into the exact issues, it sums up to HOA is enforcing rules that aren’t listed and strong case for bias from board.
The cost all in range anywhere from $10k-$25k of which if we win, I can likely recoup 40%-60% of costs. Consult and information shared to the firm they believe we could likely win. I have a contract from the firm sitting in my inbox, waiting for me to sign.
So here’s the thing, the cost isn’t that big of a deal to me because in my mind, I’m spending the money for the principal that my HOA can’t keep bullying me which is worth the money and well spent imo. But I’m afraid this is the equivalent of someone posting they’re gonna go buy a brand new Porsche. Am I just being silly and trying to act like I have F*** you money before I’m there, or is this the exact reason I saved up aggressively is to be able to fight things like this I care about?
Edit: single family home in an owner friendly state. This is a rental property. HOA is under 100 homes, but management company is a top 5 nationwide in size. I’d rather not sell-again it’s the principal. Owned for 5 years no issues. New prop management company and now there’s issues.
TLDR: At my income $550k and liquid NW $730k including 12 month E fund, does spending up to $25k to fight my HOA to back off worth it or just stupid?