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    <title>Is Your Primary Home an Asset or a Cost in FIRE?</title>
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    <description>A primary home has market value but may not fund retirement spending. Separate shelter value, accessible equity, and ownership costs so a FIRE plan does not double-count the house.</description>
    <pubDate>Mon, 10 Aug 2026 00:00:00 GMT</pubDate>
    <author>support@ascend-spark.com (Fire Path Team)</author>
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