10/14/2026
meetwithricknow.com — Tier 1 vs Tier 2, plain English.
Close (and homestead) by Dec 31, 2026: you’re Tier 1 — $150K exemption in 2027, $250K locked in from 2028.
Wait until January: you’re Tier 2 — $50K until 2031, then $250K. Four years of leaving money on the table.
Which tier are you? The calculator tells you in 30 seconds:
https://calculator.mcbriderealtygroup.com