Please review my financial position & budget

As you embark on your financial journey toward homeownership, it’s essential to review various factors that can impact your budget. Given your impressive salary of $155K and excellent credit score, you are in a great position to make informed financial decisions. Focus on strategic budgeting for your new mortgage to ensure you’re prepared for unexpected costs that may arise as a homeowner. With monthly liabilities outlined in your expenses, such as the new construction mortgage, home insurance, and necessary utilities, it's important to account for these in your overall budget. Monitoring discretionary spending and creating a buffer for savings will also help manage upcoming expenses, especially during the transition to your new home. Looking ahead, ensure you allocate funds for your 401K and HSA contributions which can offer tax advantages and savings for your healthcare. In addition, planning for your aging parents might involve discussing potential financial assistance or caregiving options that could be part of your long-term budget. Finally, consider consulting with a financial advisor to streamline your priorities. They can provide tailored strategies to balance current expenses while preparing for future responsibilities. By combining careful planning with professional advice, you can position yourself for success in your financial journey.