High‑Yield Savings: Accelerating First‑Time Homebuyer Down‑Payments in 2024
When the average first-time buyer saves at a 5.0% APY, the timeline to a $70,000 down-payment shrinks by more than two years - a shift that reshapes personal finance and the broader housing market. In the data-driven analysis that follows, I break down the economics, quantify the advantage,