Strategy
The Plan
Three approaches considered. One chosen. Here's the thinking.
Three Approaches We Considered
Option A
Nesting Slowly
Improve what we have before committing
Extend Bangkok apartment lease, add Krisz to it, upgrade to a better unit. Build routine before locking into Budapest property.
Option B
Budapest First
Secure the HQ, then sort Bangkok
Buy a Budapest apartment now using Otthon Start + Toloka payout. Design it for two. Bangkok becomes the satellite — optimised after.
Option C
Parallel Build
Upgrade both cities simultaneously
New Bangkok lease + Budapest purchase at the same time. Maximum speed, maximum complexity, maximum financial exposure.
Comparison
| Criterion | A · Nesting | B · Budapest First | C · Parallel |
|---|---|---|---|
| Speed | ~ Medium | ✓ Good | ✓ Good |
| Financial risk | ✓ Good | ~ Medium | ✗ Risky |
| Reversibility | ✓ Good | ~ Medium | ✗ Risky |
| Quality of stays | ~ Medium | ✓ Good | ✓ Good |
| Gail's independence | ~ Medium | ✓ Good | ✓ Good |
| Room for workshops | ✗ Risky | ✓ Good | ✓ Good |
| Asset building | ✗ Risky | ✓ Good | ✓ Good |
| Complexity | ✓ Good | ~ Medium | ✗ Risky |
Our Choice
Approach B with elements of A
Buy in Budapest first — using Otthon Start and the Toloka payout — and design the apartment from day one for two people. Before the purchase completes, Gail improves the Bangkok situation incrementally (bigger unit or better lease terms). This gives us a permanent HQ with real infrastructure, asset value, and a space that's genuinely ours — without the chaos of doing both at once.
Financial Levers
Otthon Start — 3% mortgage
Max HUF 100M · 10% down payment · subsidised rate for first-time buyers
Toloka payout
Potentially enough for the full down payment or partial purchase outright
Nagykoru land
Cheap rural plots · future retreat / workshop venue · low commitment
Hard Constraints Timeline
Now
Apr 2026
Toloka Done
May 2026
Probation Ends
~Sep 2026
18-Month Goal
Oct 2027
Clawback Ends
~Mar 2028