<prompt> Human: Hi all,My wife and I are planning our future and I just wanted to double-check that our idea is sound.Due to the cost of living in our area Fairfax County, VA, we are unable to purchase the kind of home that we would like on a 15-year mortgage payment that we could easily afford. We could manage something less ideal, especially on a 30-year mortgage, however that not the direction that we want to go.We do want to own a home eventually however, so the current plan is rent until retirement and then purchase a home using our retirement savings.Assuming we rent for no more than 1,900 per month, we should be able to comfortably contribute 712 every two weeks the 18,500 annual maximum toward my Thrift Savings Plan Roth. Assuming an average 7 rate of return, this should end up growing to at least 4 million at age 65, at which time we could assume a 15-year mortgage or withdraw about 750,000 to purchase a home in cash.With 3 million leftover and no debt plus a federal pension and possibly social security, we should have more than enough to live comfortably.Is this a good idea, or stupid? Thoughts?Thank you for your help.  <response>: I think the biggest flaw in this plan is assuming no more than 1900Month for the next decade in Farifax County. As home values increase, so too does rent. The two bed youre renting for 1900Month now could very well be 2,500 in the coming years. 