Sarah, thank you for your thoughtful and beautifully worded question. What I like about the notion of financial flexibility is that what you're talking about is not some all or nothing zone but rather the concept of having grace, having wiggle room. The more times she exchanges properties, the more she's going to ring up additional expenses. On the other side, if she truly means what she says and she loves financial freedom, you see people get into these houses that are way over their head and they're locked down.

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