Considering your own 'personal circumstances', meaning the phase in Life YOU are at Sean, from what you've shared with your readers/listeners, I'd say your method is quite realistic & will most definitely materialize in the future as very wise and astute choices.
There is a Time-for-Everything as one proceeds on the Path of Life.
I myself have been making some very good buys in my most favorite area the past few weeks.
Let's just say really great bargains.
At my age, the simple enjoyments of good health & an easy-go-lucky attitude towards Life ie Carpe Diem, a good book, my blooming orchids and beautiful 16th century map hanging on the wall, among other things, makes my day.
:)))
Have a Happy Thanksgiving.
One & All.
Best Regards X-