Met with my personal financial advisor today. The market's gone down, so the money I was able to access last year for Willowfinch no longer exists. I've been funding out of my personal retirement savings, frankly, because my husband and I live comparatively frugal lives. He's a coupon clipper, Costco shopper and I've worn out my t-shirts until he inspects them for holes & disallows me from wearing those outside the house. We have a mortgage, but at a fraction of what one pays for an apartment in Seattle these days and we love the house.
Still, part of the Willowfinch story, in fact the Willowfinch journey, is about selling our home for the money. However, the story really has changed since 2018. Both of us have crossed the bridge of 59 1/2, so hubster didn't have an early retirement. Still, we flat out asked Adam if we needed to sell the house to live with basic needs met until 92 (whatever).
Even with the down market, we don't have to sell our home and I can keep funding Willowfinch at this low level a bit longer.