Most homeowners plan for their mortgage. Few plan for the repairs.In this episode of Keys & Gears, Mark Liesner and Bess Dickson break down the financial systems every homeowner needs to avoid going into debt when sudden repairs happen.Mark explains the 1% Rule — the essential formula for estimating annual maintenance costs — and walks through exactly how much you should store in a dedicated Home Emergency Fund. Bess shares why preventative planning is the cheaper path, how to anticipate major home expenses, and why a “running business” mindset helps protect your long-term financial stability.If you want to avoid financial stress, prevent surprise costs, and maintain the health of your biggest asset, this episode gives you the roadmap you need.

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