From the moment you started thinking about buying a house, you knew you’d need to start saving. Even though you have a 401(k) that you can use for your down payment, you still have to cover your closing costs and have a little extra put back in case something goes sideways on you right away. Unexpected home repairs are terrifying when there’s nothing in the bank and no home equity to draw from yet.

But it doesn’t have to be all doom and gloom. It’s actually easier than ever to save up for a closing day that’s a bit down the road.

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