Buying In This Crazy Housing Market? (Watch This)

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How do you know you’re ready to buy a house when the market is crazier than your Uncle Joe at Thanksgiving dinner? In this episode, learn whether you can afford a home, plus learn the number one thing that controls your housing decisions.
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[@NicholasBall130]

Back in 2007, during my time working in real estate, I witnessed people purchasing newly built homes from builders with the plan to sell them before the closing of escrow to another buyer for a profit. The crash hit hard and fast, and I vividly recall many of these units ending up foreclosed upon, with the builder's plastic still covering the carpets.

[@StacieBMui]

Navigating a downturn can be challenging for many, especially when they're accustomed to thriving in bullish markets. However, with the right insights and strategies, substantial profits can still be made. It ultimately depends on your ability to identify promising opportunities and execute well-timed entries and exits.

[@StocksWolf752]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@EleanorBaker474]

Could you recommend your advisor? I'll be happy to use some help.

[@StocksWolf752]

Sonya lee Mitchell is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@grego6278]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@HectorSnipes]

Housing prices likely won’t drop significantly until supply increases. The U.S. is short millions of housing units and isn’t building fast enough. Demand remains high, and even a small dip in prices attracts many buyers. I’m looking to buy affordable houses in 2024 and maybe invest in stocks. When’s the best time to invest in stocks? Some say it’s profitable, but others warn it’s risky. Any advice?

[@grego6278]

Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.

[@VictorBiggerstaff]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@crystalcassandra5597]

Could you recommend your advisor? I'd appreciate some help.

[@VictorBiggerstaff]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Sharon Marissa Wolfe ” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

[@lolitashaniel2342]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Baldwin321]

I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.

[@Alden457]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@Theodore3241]

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

[@Christian67337]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@Theodore3241]

Aileen Gertrude Tippy‘’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Christian67337]

Aileen has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

[@matturner8]

Housing prices are unlikely to significantly decrease until there's a substantial increase in housing supply. In the USA , there's a shortage of millions of housing units, and construction isn't keeping pace. The constant demand for housing, coupled with population growth, means that even a slight price drop attracts numerous buyers who quickly absorb the available supply. I'm considering purchasing affordable houses in 2024 and possibly venturing into stock investments. When is the best time to enter the stock market? Some people say it is profitable , but others say it's risky. Any advice?

[@MarkGrimm8]

Consider investing in stocks especially during a recession . While recessions can be tough, they can also offer good chances to buy low and sell high in the markets if you're cautious. Just remember, this is not financial advice, but it's a good time to think about buying stocks since having cash on hand isn't always the best option.

[@emiliabucks33]

You're right! With the help of an experienced coach, I made some changes in my investments. I started with $321k, and now I have more than $750k by investing in stocks, ETFs, and bonds. I think housing prices won't go down much until there are more houses available.

[@carolpaige2]

Mind if I ask you to recommend this particular coach you using their service?

[@emiliabucks33]

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Carol Vivian Constable turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

[@carolpaige2]

I just checked her out and I have sent her an email. I hope she gets back to me soon

[@Brodin-id8re]

The government currently lacks concrete strategies to address inflation. Inflationary pressures are impacting various sectors, including stocks, housing, and commodities, causing their prices to rise. It is not advisable to keep your money idle and wait for a market crash. Instead, it is prudent to put your money to work by starting with cautious investments and gradually increasing your pace as prices decline further. Withdrawing a significant amount of money, exceeding $500K, from my account at this time presents a challenging decision.

[@JacobPaula]

Nevertheless, there are certain investors who are still managing to generate substantial returns despite the unfavorable market conditions. Achieving similar results requires skill and expertise.

[@SerinaGliues]

As the market continues to experience a downward trend, I have been diligently researching various strategies. Surprisingly, it appears that there are equal opportunities to achieve substantial gains in both bullish and bearish market conditions. I have come across stories of individuals who have managed to earn as much as $300k during this market downturn, and I am eager to uncover the tactics and approaches they employed to achieve such impressive results.

[@Elizabethwells-q7f]

Undoubtedly, fiduciary counselors possess exclusive access to proprietary information and data sources that are not accessible to the general public. Under the guidance of my trusted fiduciary counselor, Camille Anne Hector , I successfully generated approximately $560k in net profits during the third and fourth quarters of 2022. With such promising results, I am eagerly anticipating the potential for further growth and success in the future.

[@Agatha.wayne0]

Interesting, if you don't mind me asking Who is this person? and Is she really worth recommending?

[@Elizabethwells-q7f]

If you are seeking to diversify your portfolio, it is crucial to consult with an advisor. In my case, I have been working with Stacie Lynn Winson, who can be easily found online and possesses extensive expertise in the financial markets. Engaging with a knowledgeable advisor like her can greatly enhance your understanding and decision-making in the world of investments

[@blaquopaque]

I’m 38 and I have about $250k liquid in savings which I plan to put towards becoming a homeowner but based on the current high prices on real estate, do you suggest I hold from buying or do stocks for now?

[@Curbalnk]

investors are extra cautious right now. They want to make sure they’re getting a good deal given how much mortgage payments have gone up, and when they don’t feel like they’re getting a good deal, they’re backing out, so definitely looking elsewhere is a necessity

[@haleya9526]

House! You won't be sorry in the long run. And you can always sell.

[@shawndiesel007]

@janbechler just my opinion but I think it's supported by almost every indicator - this might be the worst time EVER to buy a home. I personally don't have a lot of faith in the stock market either - I think we are at the equivalent point to the 06-07 relative calm before the storm, except everything is worse due to decades of easy money policy, absurd government spending, reckless COVID stimulus, global recession, malinvestment, consumer debt, housing affordability, commercial real estate, and bond market crises, etc. In terms of risk and return at the moment I think it's hard to beat the 1 month t-bill ladder - as near as possible to risk free 5.4% return with as much liquidity as you desire based on how you set up. Lastly I didn't watch the video and Dave is far more experienced in the financial sector than I am, but based on some things he's said (namely that real estate will ALWAYS go up) I don't trust his advice beyond steps/helping people be free of consumer debt. I think he's operating from normalcy bias and assuming that many things that have been true during his adult life are guaranteed constants.

[@shawndiesel007]

@@haleya9526 not when you're upside down in your mortgage and it's a buyer's market

[@darwincollado8993]

From a personal experience! I lost 137k six months ago from a “aka” safe stock! Keep your cash in a fix rate return! Until the housing market gets better You are allow to spend 25% of your gross monthly Finance 15 years fixed And pay it in 8 years! You will be a free man

[@Rachadrian]

Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.

[@derrickholfman2]

Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

[@Quasoncaviness2]

Personally, I can connect to that. When I began working with "Vivian Carol Gioia" a fiduciary financial counsellor, my advantages were certain. In these circumstances, I would always advise getting professional help so they can steer you through choppy markets and just give you indicators and strategies for knowing when to enter and exit the market.

[@jonash330]

@@Quasoncaviness2 I'd be glad to get the help of one, but just how can one spot a reputable one? How did you spot this Vivian?

[@Quasoncaviness2]

“Vivian Carol Gioia” maintains an online presence that can be easily found through a simple search of her name on the internet.

[@jonash330]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@azteca6695]

I got a 30 yr mortgage. Made extra payments as i could. Paid it off in 19yrs.

[@marias5088]

Smart choice. Getting a 15-year mortgage is a bad idea.

[@mikasd9]

If you get a 15yr within the parameters of the total payment being under 25-30% of your total monthly take home it’s totally fine.

[@kyleinpa5285]

Dave would call you an idiot

[@ChaimS]

Sure, but most normal humans can't do that practically speaking.

[@amireallythatgrumpy6508]

Almost nobody has the discipline to do that

[@kristinlong9604]

I didn’t follow the Ramsey plan on buying my house. This was one of the BEST financial decisions I’ve made. That being said, I DID follow the 25% rule. That was the difference maker for me. But I still had student loans, and I went for the 30 year. I am paying extra on it and cash flowing nursing school. My payment is $150 LESS than local rent. I’m incredibly grateful for my house and I know it wasn’t “ideal”, but it was and is right for my situation.

[@blackworldtraveler3711]

That’s because you can think on your own and know what’s best for your situation. I watch Dave because it’s something I have done since the early 90s. It’s entertaining but rarely anything I don’t know. I even learned things at public library and done things like manual underwriting in early 90s before Dave Ramsey. Jill on Money and Clark Howard Show is my thing. More up to date and current on important things that interest me.

[@Ayy12366]

Curious why does it take 30 years to pay student loans...?

[@j.l.salayao8055]

@@Ayy12366 Taking your juicy time, no rush.

[@antonzhloba6929]

Listened to Dave’s advice and did not buy in 2019 with a stable job and 5% down. Houses have doubled in price now and even with 20% down I had to overbid and not even close to offer accepted. Key learning: don't wait until you check all the boxes. If the market is stable and you need a house, it's a good time to buy

[@jacksonbilly9979]

You can turn a 30 year mortgage into a 15 year, you can’t turn a 15 year into a 30 year.

[@amireallythatgrumpy6508]

Almost nobody can do that either. That requires discipline. Americans don't have the intelligence.

[@patriciaalbertson5183]

Amen

[@apophisxo4480]

Refinancing into a 15 year mortgage was a great decision. Almost done paying off the mortgage which is half what my neighbor pays to rent his place. May not be for everyone, but I don't regret anything.

[@realcastironstrength]

This, you can pay it down as fast as you want, locking into a 15 year deal just means you have no flexibility

[@Susanhartman.]

A housing crash seems likely as many individuals who purchased homes above asking price are at risk, lacking equity if housing prices decline. Foreclosure becomes a concern, particularly with massive potential layoffs and a rapidly rising cost of living.

[@JulietKellyy]

Anticipating the housing market in 2024 poses difficulties due to uncertainties about the Federal Reserve's ability to curb inflation and reduce borrowing costs without adversely affecting demand for assets like homes and automobiles.

[@mariaguerrero08]

Consider shifting from real estate to stocks during severe recessions. While market volatility presents short-term trading opportunities, it's crucial to approach with caution. This isn't financial advice, but investing during such times may be a strategic move, consider adopting the services of a financial expert.

[@mikegarvey17]

@@mariaguerrero08 Can you suggest the financial expert you've been using? It appears you've had success with their guidance.

[@mariaguerrero08]

Definitely! It all happened in less than a year after *Gertrude Margaret Quinto* told me what to do. I started with less than $100,000, and now I'm about 17,000 short of having a quarter million dollars.

[@ThomasChai05]

She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website; thank you for sharing.

[@mrcalderon93]

Its crazy i just started making 100k a year the last three years, single no kids and here in chicago ( i got to stay here for the job ) no debts of any sort but iv been saving for a down payment and i cant buy anything around me because everything is about 350/400k unless i want to buy in a slum for 300k

[@SovereignMoney]

Telling someone who is living on $40k in Phoenix to look into their budget and find areas of wast is wild. I guarantee that she's eating *less than* beans and rice.

[@blackworldtraveler3711]

Won’t know until she find areas of waste. Need to start somewhere.

[@tjlift22]

I was thinking the same thing. She has a kid I’m sure she know every penny coming and going

[@jacksoncook7450]

Her problem is not having a husband. 2>1

[@hadtocheathimtobeathim6549]

Ignoring the fact that they also told her to get a second job to gaslight people is wild.

[@MariaGarcia-gj5ie]

I live on 35k and eat quite well, occasionally I have rice and beans with a side of chicken. It’s a Puerto Rican staple😊

[@asmith7094]

Taking Dave’s housing advice in 2021 was the worst financial decision of my life. I should have gotten a nice place with 3% interest while I could have.

[@secretsquirrel6718]

I regret not buying a 2nd home when rates were that low.

[@Jack-pd4ps]

@@secretsquirrel6718I feel the same. Should have bought a second one.

[@bwrscott1]

It's still all about becoming debt free and staying free.@@secretsquirrel6718

[@Camera_Operator]

What advice was that?

[@secretsquirrel6718]

@Camera_Operator most likely the 15 year mortgage bit.

[@Theresaa12]

In the current economic climate, a home is not the best investment. I've already sold my Boca Grande area home, but I want to invest roughly $200,000 in stocks since I've heard that even in challenging times, investors may turn a profit. Any excellent ideas for stocks?

[@EverlyndPerez]

The truth is that if you make the right picks, you could make killer riches very quickly, although such profit usually needs expertise, as in hedge funds or financial managers. I personally prefer the latter.

[@RickWatson-xu6gw]

Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly and I made over $800K within a short time

[@judynewsom1902]

How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings

[@RickWatson-xu6gw]

*Alicia Estela Cabouli* my FA, is a well-educated and seasoned expert in the financial industry. She is regarded as an authority in this sector and has a deep understanding of portfolio diversification.

[@A_francis]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@Bobhenry-c7z]

The most significant lesson I gained from the stock market in 2023 is that uncertainty prevails, emphasizing the importance of humility. Adhering to a long-term strategy with a competitive edge is key.

[@rebeccaartgallary]

Certainty eludes everyone; thus, it's vital to establish your own methodology, handle risk, and adhere to your strategy unwaveringly. This commitment should endure challenges and successes, all while maintaining a commitment to ongoing learning and improvement.

[@roberttaylor662]

Embracing uncertainty, I realized after five years that attempting to predict market outcomes through chart analysis was futile due to the unpredictable nature. My lack of a mentor led to six years of struggle. I transitioned to following the market's direction and adopting a straightforward, disciplined approach.

[@DeannaPeters-lz8we]

@@roberttaylor662 Who is the professional who is advising you, if you could perhaps tell us? As a novice investing in stocks without the correct direction of a professional, I have lost a lot of money.

[@roberttaylor662]

I'm guided by Monica Amanda McClure an experienced coach with extensive financial market knowledge. While you can consider other options, her strategy has yielded positive results for me. She offers valuable insights, including entry and exit points for the securities I concentrate on.

[@DeannaPeters-lz8we]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@randomactivitiesco.5848]

We were told by everyone that the first year of home ownership is always full of surprise expanses. We found that to be true. That we were warned really helped us out. Someone should have warned the poor lady that she would find atuff hidden or neglected by the sellers.

[@martinbelanger9963]

just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[@collinsnorman473]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

[@martinbelanger9963]

Very true. Despite having no prior investing knowledge, I started investing before the pandemic and pulled in a profit of approximately $950k that same year. In reality, all I was doing was getting professional advice.

[@collinsnorman473]

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

[@martinbelanger9963]

There are a lot of independent advisors you might look into. But i work with Emily Lois Parker and we have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her

[@gagnecaron658]

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before emailing her. She seems proficient considering her résumé.. can I get a way to communicate with you as I have some questions

[@MrAgent007xkgb]

Being broke with a child is a nightmare

[@charleslavoie5402]

Having a child is scary.

[@MrAgent007xkgb]

@@charleslavoie5402 Very!!!!!

[@Naturefan354]

Being broke with chilDREN is even scarier!

[@sammihebert6493]

I never understood why poor ppl have children. Why? So more ppl can suffer along with you? Make it make sense

[@MrAgent007xkgb]

@@sammihebert6493 I was thinking the same damn thing

[@Goodiebar18]

Anybody telling anyone to buy right now either works as a realtor or has a hand into real estate investing and not your best interests in mind

[@ulises8483]

It is actually a really good time to buy new constructions as you can negotiate with builders lower fixed interest, and get them to pay some of the closing cost or all if you can get away with. Of course, you have to be prepared, 740+ credit, low DTI and a 20% down still crucial unless you want to be house poor.

[@blackworldtraveler3711]

Or people are living in affordable areas of the U.S. like myself.

[@jukelohnson5095]

@@blackworldtraveler3711what howler in West Virginia do you live in?

[@blackworldtraveler3711]

@@jukelohnson5095 Not familiar with your area. Get out more. It's a big country.

[@secretsquirrel6718]

​@@blackworldtraveler3711makes all the difference

[@4C_Energy]

That first caller could do a one bedroom and have her office and her bedroom and keep her son of living room while she working. $300 a month is a lot when your budget is that tight.

[@Vicky-by2hq]

I agree. They could also share the room and have the office in the living room. I have 2 kids and we all share a bedroom with the 2nd bedroom as a playroom. I refuse to upsize because I don’t want to pay more and my kids are still little.

[@goldenlifelove7251]

​@@Vicky-by2hq3 ppl in 1 bedroom is interesting. So what's your plan when the kids are big cuz y'all sharing a bedroom wont last much longer.

[@blackworldtraveler3711]

@@goldenlifelove7251 You’re supposed to be saving your money during that time. Kids get older and playroom isn’t needed. Add bunk beds and change it back into a bedroom It’s not rocket science.

[@creativeopinions8250]

Yep “sacrifice” is the word. I’m in a similar situation as first lady (but no kids), I have very small debt (5K) some savings, and I wanted better. Sooo I decided to move in with a friend to another state (that I’m not too fond of) but I pay less rent and I save about 1K per month (stopped buying crap that I don't need) and here I am. I’m easy to get along with and respectful but my friend is very bossy and always angry etc. she has a crazy dog and a kid- so that’s the sacrifice! I’m dealing with her anger issues but I do my part in the household and when I feel hurt by her, I keep remembering my goal and that it will be temporary and this helps me stay sane. 😞

[@nabeelahmed7401]

May god make it easy for you. I applaud your strength

[@creativeopinions8250]

@@nabeelahmed7401 Thank you for your kind words. I'm actually moving out. I was able to save lots but things are becoming too much with my friend and to save the friendship I decided to move out. I will be paying a little more rent where I'm going. but it's still affordable. 6 months was enough and now I need to get my sanity back. God is leading my path and I will be ok. God bless!

[@ArmageddonIsHere]

​@@creativeopinions8250 Kudos to your strength! Good luck and God speed. What state are you in? And where do you move to?

[@blissdad13]

I'd rather live in a van than do that lol.

[@jaclyns6640]

Im right here with her. Just finished BS3 in 2020. Started saving for a house and now am totally out of the buying market 🙃

[@4C_Energy]

I bought my house in 2020 in the thick of the covid-19 pandemic and they wanted more than the house was worth. I declined and threatened to pull my offer. They came back and I got that house exactly for what it appraised for. I don't think there's any situation where anyone should pay more than a house is worth just staying apartment until you get what's fair. I also believe many people forgo inspections they are expensive but it is imperative I pay for three inspections which was about $3,000 when I was house searching but it was well worth it because two of those houses were horrible.

[@DontAtMe2k24]

I think the issue is some people are concerned a house will appraise for say 400k today. Then next year it appraises for 350k because in general, homes are overvalued right now. Including the appraisals.

[@LuckyLong589]

Can’t wait to hear their totally unbiased and in-touch reassurance.

[@RealHomeRecording]

😂

[@talyahr3302]

🤣🤣 That's definitely why I'm here 😂

[@rileydavidjesus]

Ouch

[@davidrojas6457]

Do I sense some sarcasm?

[@realaction407]

bruh this is ridiculous your just another loser who cant figure out what they are trying to tell you what to do. Its actually repetitive, Everyone has to stop spending their money. Some of us start with 20$ and homeless and some of us dont. Relax and realize if you dont stop spending even 1$ a day youll never make it

[@modernenergy682]

Debbie' take home is $9k a month and she is worried about $2300 mortgage and even said "they cant afford it". What in a world are you doing with $7k that is left? 😂

[@pinkaddictionss]

@@WheresWaldo05 It says her take home pay is 9k a month which means AFTER taxes.

[@sorenminoush145]

Ikr?!!

[@marias5088]

Get a 30-year mortgage, but do all you can to pay it off in 10-15 years. This way, if you lose your job, you are not stuck with huge mortgage payments while looking for another job and using some of your savings.

[@amireallythatgrumpy6508]

Most Americans aren't intelligent enoughto have the necessary discipline

[@patriciaalbertson5183]

Exactly.

[@suzietoanoneart]

Thank you for your advice ! What's the differences between 15 year mortgage and 30 year mortgage ? Is the interest lower, but payments higher for 15 and then opposite for 30 ?

[@marias5088]

@@suzietoanoneart I am not a mortgage broker so I can't give you the specifics. The interest rate is lower on a 15-year mortgage but life is unpredictable and if you want to stay in your house even if your income drops for several months, it is best to get a 30-year mortgage and make extra payments when you are able to to pay the property off sooner.

[@davidschwartz870]

1st caller: I’m a single mom Rachel: you’re not doing anything wrong Me: well I can think of one thing 😂😂😂

[@yobanddaddy3010]

I too ignored Dave’s recommendation and pressed forward before I completed all the steps and bought my house 2 years ago. The pmi is coming off now and my mortgage is much lower than rent in the area. I would say if you can afford to make the move do it who know how long the market will take to turn around. I did buy a house that’s below my means to soften the blow off high interest and home prices.

[@hvaball150]

Rachel's struggle advice is always so good. 😅. They way she got out of her situation was awesome.

[@bcontreras1017]

I recently became unemployed (office closed) in Las Vegas and I am finding out average pay for insurance is 35k I went from making 55k salary the insurance market is horrible right now, no matter where I look the pay sucks. AZ and CA are in the same boat

[@talyahr3302]

Yeah I even got rid of Netflix to save a few dollars. Goodbye luxuries

[@reesercliff]

You won't need it when you are working 16 hours a day to afford a place to live

[@GROGU123]

You were far better off buying a house in a 30 year mortgage at 2% to 5% from 2016 to 2021 than waiting to get a 15 year mortgage. Now interest is 6+% and inflation is higher than the normal 7%. Job market is also on a downward trend right now, my company is pulling back and freezing hiring to brace for the recession.

[@macneoh7418]

There will be a recession and layoffs. There's no way the economy can keep going on handouts and debt.

[@amireallythatgrumpy6508]

Who says anything about waiting? You would have been better off getting a 15 year in 2016 than any mortgage today.

[@GROGU123]

@@amireallythatgrumpy6508 To get a 15 year you need to have a larger down payment to fit your monthly budget. That meant waiting for most middle class people.

[@2jcward]

The interest rates are just going back to normal after the 2008 cash. These interest rates are not going anywhere.

[@amireallythatgrumpy6508]

False. They will overcorrect and swing back. Interest rates are like a pendulum. They're going to swing back and forth for a while before they settle down. If they ever do settle down. It may just be a driven pendulum system that swings back and forth forever. @@2jcward

[@ChristopherAbelman]

I leveraged my first home to rent it out and put a down on my second home. Best decision I ever made. Yes we need to be smart about it and give ourselves some cushion if things get bad. Nothing wrong with leveraging your home and than to rent it out.

[@HildaBennet]

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the markets.

[@PennyBergeron-os4ch]

Could you recommend this particular coach you using their service?

[@PennyBergeron-os4ch]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@melina.leany-g]

In the first conversation with caller Caitlin, it bothered me how the hosts kind of ignored her point about needing to live in a safe part of town since she has a small child. She explained that she already lives on the "edge" of what's considered the safe part of town. The hosts acknowledged it at first but then doubled-down on their suggestion to live "on the outskirts" of town in order to have a low rent. But this is the really hard thing about housing right now - rent prices are so out of control that the only "cheap" places to live are in areas with a lot more crime. It did not used to be this way pre-pandemic and the hosts need a bit of a reality check IMO. The housing/rental market needs a correction, until then, good people like Caitlin are stuck paying more for less.

[@reesercliff]

Why do people insist on having kids before you can afford a home it’s just asking for trouble. With kids when renting it adds so much unnecessary risk. If rents explode and you have kids it’s very difficult to downsize or get roommates or move into a more dangerous but cheaper neighborhood. This is the one topic I disagree with Dave on, having kids while in debt or while saving for a home is foolish and selfish. I’m sorry but it’s called delaying instant gratification. You are not entitled to having children.

[@macneoh7418]

Because single mothers are really intelligent, responsible and selfless.....😂😅

[@laurenlochner7035]

What an ignorant statement. If this is your logic I guess no one will have kids other than the retired and the over privileged.

[@reesercliff]

@@laurenlochner7035 if you can't afford a home before being retirement age you DEFINITELY can't afford kids. Note I'm saying own a home not saying own a paid off home.

[@Panakanonima]

Phoenix area is particularly insane. Prices for housing and gas are getting closer and closer to California levels yet wages are like Texas.. anyone who does not have family to help or some sort of cash windfall just can’t get ahead

[@WheresWaldo05]

When buying a home, you ALWAYS do the 30 year. You can always pay the house off earlier. But you need to maintain financial flexibility in case a 2020 or even a 2008 event happens again and you are out of work so you can still pay the mortgage whilst cutting out other un-nncessary bills. However, i would never buy a home in this current market. Interest rates are double. Sure you "could" re-finance later. But that could happen next year. Could happen 10 years fron now. The bulk of mortgage interest is paid during beginning of the loan terms. Also you have to once again pay a closing cost fee which is thousands of dollars. Waste of money. When i bought my house i got a 2.875% rate. Fixed. You always go fixed as well so you know exactly how much you pay every month. It is easier for budgeting purposes.

[@TheFirstRealChewy]

If making more money is too difficult, I'd say she should move so that she can spend less. None of these situations are ideal, but if she can lower her expense it will give her more money to work with. The extra money saved would allow her to save more for emergencies. Having more for emergencies will reduce some of the financial stress. It will also open the door to exploring other options to make money, like paying for training for new skills. If she has any hobbies she should look into monitizing them.

[@Zerodebtliving]

She can’t move. Her child’s father lives close. That’s not the solution 😊

[@VDVega13]

I should have bought with 5% down instead of listening to Dave and trying to save 20%. Now i lost 200k in buying power and am set back a decade. Thank Dave!

[@blackworldtraveler3711]

That’s all on you for not thinking on your own. Only you know your situation not a stranger on KZbin.

[@justaskmike4602]

It’s only going to get worse… so do what you have to do

[@blackworldtraveler3711]

I plan to travel more.

[@macneoh7418]

Sell drugs or rob a bank.

[@bowhunter12561]

We were getting ready for a new home in 2020 and homes damn near doubled and interest rates went 2.5 times higher. So now my payment went from 1600 to 3060. Now i cant afford it

[@melvinfisher643]

I get the feeling we’re heading into something worse than 2008. The path we’re on is simply not sustainable. Get your popcorn ready for 2024 and 2005.

[@VlogsOfAnything]

So what's going to happen? Wit details

[@206remyboyz7]

​@@VlogsOfAnythingjust sit back and watch it all unfold

[@TheFirstRealChewy]

Don't look for a housing crash. What's likely is that builders will build smaller but more affordable homes.

[@Fabmille]

@@TheFirstRealChewy1.5 mil HELOCs were pulled this year another 1.5 last year. Credit card debt is increasing. Average car loan is $500-$700/month. 3 mil full time jobs were lost and 1.5 part time jobs were created. There is going to be some type of crash. I feel like a debt crash

[@blackworldtraveler3711]

@@VlogsOfAnything I plan to travel more.

[@JonathanIvy221]

The two things I will ALWAYS ignore from Dave Ramsey is the 15 yr mortgage bullshit and credit card. I have zero debt, no student loans.

[@secretsquirrel6718]

If nothing else I've found that renting a car in Europe definatly requires a credit card and they are a great back up in certain situations where you cannot access your bank account.

[@blackworldtraveler3711]

@@secretsquirrel6718 Yup traveling outside of the U.S.with only a debit card is not a good idea.

[@secretsquirrel6718]

@@blackworldtraveler3711 well Don't discount cash!

[@amireallythatgrumpy6508]

If you can't afford a 15 year on 25% of your take home pay (or 30 year on 15% of your take home pay) you cannot afford a home at all. End of story.

[@secretsquirrel6718]

@@amireallythatgrumpy6508 sheer idiocy. Just arbitrary numbers.

[@texasskygirl7890]

I sold the house that I lived in for 20 years back in 2021 when the interest rate was 3%. I made a nice little profit. The neighborhood was going down hill and my house became a money pit and I was stressed out all of the time. I moved into a nice little apartment and I feel less stressed. I don't know if I ever want to own a home again. I have a nice 401k that my employer matches 5.5 % and I invested the profits from my home into a managed fund. I have 10 years til retirement. I'm taking care of elderly parents right now so an apartment was a good solution for me right now. Home ownership us hard work. And for a single person who survived cancer, I need less stress in my life right now. I'm actually able to save more money now than when I had a house that never felt like a home.

[@thomasmorrison3279]

Dang. I made 45k back in 1993. 40k is poverty now. Also, they never ask if the single moms receive child support. Is it 40k including child support? If not, file in court to collect.

[@JuanVargas-ek3yg]

??

[@vickieclark5931]

That's the norm unless you have some skills or education. 45K back in the 90s was like a 6 figure income is now.

[@crashtestdummy1972]

​@@vickieclark5931why do people settle for norm though? We should all try and do more. Dont stay at 45k, keep working at making more.

[@blackworldtraveler3711]

Poverty level is currently $30k for a family of four in the U.S..

[@hvaball150]

It will be before child support. Always is.

[@GuilefullyNomadic]

The 25-30% rule is really not tenable anymore…at least not in Canada. To make that work, everyone would need a roommate and sleep 2 to a room. And many landlords don’t even want to rent their home to more than the equivalent of one person per room. That is what is going on right now due to the low supply. I feel horrible for those starting out right now because they are stuck between a rock and a hard place and they are going to have to get REALLY scrappy if they want even a chance at getting ahead (like find that back alley slumlord who will charge peanuts but you’ll live in an absolute dump to save money).

[@noelwallace8680]

She says, "I am paying 60 percent rent, i dont have debt, and do t have much to cut and still manage to have a savings and his advice is save more money and cut subscriptions? Ugh. Did he listen to her???

[@kay22100]

1st caller. She should try to become an insurance adjuster. Trainees with no experience make more than 40k and there’s room for growth

[@francescadesmond8846]

I think saving $300/month would be a great change. Why was that option just ignored?

[@bringforthtruth]

The ratio of your mortgage to your income is as important as your income to your expenses. If you make 10k a month and spend 5k on mortgage, you still have 5k left over. Where I'm at 5k is a ton of money to live off of. I could still save 3k a month on that.

[@onefromfuture6913]

What is dave ramseys target market? People making 250k plus?

[@Goodgrief7811]

Unfortunately $2,000 dollars a month for rental is the norm now. Crime is huge in lower rent areas. Safety first. Get that one bedroom.

[@AK255.]

Being not single is probably one of the best way to be financially stable. with 2x the income more options are available. However, more people are opting to be single and live with their parents. I'm forced to live with my parents just to save extra cash. I'm coming out of school next year and attending more school with no debt to up my salary in this competitive market. People won't settle for less. Prices keep going up and so does everything else. I should be fine if not better than most people. This is the era of inflation in all different aspects of life. I don't understand how people afford to live by themselves. I struggle to even begin the process or plan. Apparently people still got money to do so.

[@shirtlesslager]

On the contrary. The best way to lose your a$$ financially is to get married.

[@gator701]

Entry level homes is where the pain of affordability is. Folks always are against moving away from high cost living areas. There are places in America where $250k homes are for sale.

[@davidmckibbin4440]

some small towns in the mid west have houses for under $100000-

[@taylorgreen5908]

I’ve had majority of my holdings in tech stocks and I've had 25% increase in my portfolio, especially with Apple’s P/E (price to earnings ratio) but with much uncertainty now, my question is what stocks can be the next APPL in terms of growth for the next decade?

[@chrysiarose]

I literally couldn't afford to rent a studio in Denver, prices were insane. Cheaper to buy a one bed condo. I never wanted to buy, I always want to be able to get up and go pretty easily, so now I am stuck with a condo that I will either have to rent out or put a lot of money in to make it worth buying.

[@Vera-dg3hf]

move. simple.

[@franciscoblanco3764]

You bought as is. Someone else will. But yeah maybe you will lose a little if economy corrects

[@DenverPicker]

You‘re looking at it wrong. I‘m in Denver. Was renting in Rino and that was just wasted money……we bought a house and that $25k/year the apartment co. Was getting i will now get get back. Its perspective….you did the right thing

[@hadtocheathimtobeathim6549]

So why didn’t you pick up and go instead?

[@SirBallSoHard]

How sad is this I relate to this women completely I make 60k a year in California and it’s almost a joke for me to think to own a home. This is unreal something has to give as far as this real estate market.

[@LegDayLas]

Can always move to a state where communism is not the goal.

[@PeaceBeStill-]

​@@LegDayLas😅 true

[@TheChitowngirl23]

I live in AZ now And I know of a few 2 bedrooms apartments in decent areas in Mesa for 1400 per month. I lived in one when i was single and it was perfectly fine.

[@secretsquirrel6718]

Plus all the excitement of living in Mesa😂

[@TheChitowngirl23]

@@secretsquirrel6718 better then paying 60% of salary for rent. She is a single mom so she isn't hitting clubs weekly anyway. The area of Mesa I lived in was on the border of Tempe apartments across the street were a few hundred more cause they had a Tempe address.

[@blackworldtraveler3711]

@@secretsquirrel6718 She chose to have kids and live there. I just checked the listings for Mesa. There are over 140 two bedroom rentals from $1k-$1500/mo.. Over 100 homes for sale from $80k-$120k. Looks like she is way above her means where she’s at now.

[@secretsquirrel6718]

@blackworldtraveler3711 not my point.

[@BlakeTedKord]

Heres my question, say i buy house #1 with a few of my friends out of state, to fight against inflation and with low salaries as a "base of operations", out state in Tennessee or Kentucky or Iowa or Illinois or some place and my friends and i pay it off in way less than 15 yrs and we pay it off by rent it out to college students, Airbnb, small businesses, upper middle families, etc. and then we take the profit monthy there after and we just keep it going or flip/sell it to get to the point of buying land that we can just rent out...can we do that?

[@hvaball150]

Caller 4. Without even listening. Absolutely yes. Put 0% down and pay 50% of your income on a 30 year loan. You have almost nothing to lose. Hopefully you have a near fixed property tax county. If not, then move

[@ChuckyLarms]

I regret taking a lot of Dave’s advice during inflationary periods. I used to be on fire but I’ve come around to the “good for personal finance and debt, bad for investments”

[@Nonsense116]

exactly

[@crashtestdummy1972]

What advice did you do that you regret?

[@ArmageddonIsHere]

Right? Dave Ramsey's show is entertaining with the human interest stories and all, but as financial advice? Eh, PASS! I ignore nearly everything he says, and his plugging mutual funds is plain irritating.

[@crashtestdummy1972]

@ArmageddonIsHere same, i max all my credit cards and i have 4 car loans. I feel like saving money is a waste.

[@hailegripshealthfitnessmil7270]

If you read this, take my advice if possible! 1) Move to the south 2) wherever you are, move in together, friends , family, trustworthy individuals, do it! 3) No matter what, stay calm, stay relaxed, and stay healthy, its priceless! One Love From Ancient Tennessee!

[@deeann2016]

This is the best time to buy if you can afford it. The rates will come down and the buyers know this; all they need to do is hold on for a few months and refinance. Now 3 % is gone, but 5% is highly likely, one thing for sure, the rates will not be what they are now. What is going to happen when the rates go down, the prices will go up creating another sellers' market.

[@LPApocalypse]

Can any normal person really find a place on 25-30% of their income anymore on a normal salary. Seems like that advice is pretty outdated recently.

[@evehg117]

Ugh I resonate with the first caller. I live in Barcelona. The salary in Spain is comically low and I make above market average yet 35% of my income goes to rent. I live in a studio with my kid, sharing a bed in an apartment the size of a closet. We literally cannot downsize more or even move anywhere because the entire Barcelona city is just one block wide. Real estate prices in Barcelona have always been high but it has gone through the roof since post COVID and a flock of remote workers started moving in. Man.

[@crashtestdummy1972]

35% isn't too bad. Maybe you can look into remote work like others are? It sounds like you could make more money if you were to either specialize in a skill or got into remote work

[@evehg117]

@@crashtestdummy1972 I work remotely for the Barcelona office of FAANG company and I’m a software engineer so I do make above market average but the overall salary in Spain is so low. I think the national average is like 22k a year. And that was fine while the economy slowly recovered from dictatorship because the cost of living was still relatively low but after COVID, with inflation, everything just went crazy and the economy can’t keep up. Even for remote jobs, you still need a work visa from the country you’re hired in so a lot of remote workers from the UK, US, other parts of Europe decided to move to Barcelona and their incomes are usually way higher than the locals, driving real estate prices up. A recovering economy is a very tricky situation and post COVID, it just got a lot worse. Like that caller, I’m here because of my daughter’s dad too or I would’ve left ages ago. Imagine spending all that time graduating computer science to make ends meet here. I would’ve lived such a good life in Bali lol (but then I’d be the type of expats that are causing the same problem here).

[@secretsquirrel6718]

That's rough. And ot always seems to me that Spain is less expensive than the rest of wester EU

[@elizabethblane201]

It's a world-wide RE bubble that is going to pop.

[@madpsych78]

Get a FIXED mortgage. The principal and interest won't change if rates change. Taxes, insurance, and HOA (if there is one) would but shouldn't be drastic.

[@codyzimmerman2582]

These people are crazy. A VA loan is absolutely better than any other loan option. The VA funding fees are minimal depending ln the lender, on a $500k loan you might pay 15k in fees, but yoy can roll it into the loan. These people need to educate themselves on VA lending.

[@frozentundra7446]

Here is what I do not understand that anyone over the age of 21 needs to understand they need to live below means and most importantly increase their skill level to make more money. $40k a year with a child is scary!

[@JessalynJ.v.c]

How do you get a call in their talk show?

[@alexandrialarlham3862]

30% of take home pay is $750 that’s absolutely impossible to be in a safe area as a single mother paying that for rent. I don’t think the advice on this channel is in touch with reality anymore.

[@humbleopinion1]

3rd caller is just not stable. Many will kill to be in a situation of hers. Dave gave her the right guidance

[@hvaball150]

Caller 2. When you make 180k in DC, you can buy.

[@marshall2.015]

Let me guess, Dave is going to tell us to go ahead and buy now... prices can never go down!

[@TheJozuaSmit]

With a 25% monthly take home pay, 15 year fixed mortgage, and 20% down payment ofcourse! Because obviously we all make well over 120k a year.

[@ericg9092]

Buying a house isn't an investment for today. It's securing your future by locking in a place you can afford to live in now for a fixed payment that almost assuredly will be worth more in 20 years than it is today, at which point you should have had it paid off for 5 years already if you follow Dave's plan and sign a 15 year mortgage.

[@RealHomeRecording]

@@ericg9092 buying a house in today's market is a HUGE gamble.

[@MikeThePike316]

​​@@TheJozuaSmit You can't ball at Chick-fil-A on a Checker's budget. Adjust your expectations to what you can actually afford and most of the problem will be solved.

[@pkdude5334]

people that are waiting for lower interest rates forget that when interest rates are low there's going to be a much higher demand and therefore prices will be higher costing them much more than a higher interest rate would.

[@niccrock12]

Why save $300 a month? Well, I mean, yeah, that matters! Why not sleep on a pull out in the living room and let your son sleep in the bedroom? Also, don’t put yourself in a situation where you become a single parent. Maybe work things out with the father. Or move back home with family to save for ten years. That’s gazelle intensity.

[@Patienarmonia]

I work from home and I am renting a one bedroom apartment. I took the bedroom as an office and I sleep there too. My mom sleeps in the leaving room and next year I am going to look for something even cheaper. So, yes, you can make it work. Thanks for your comment.

[@dustinadair7893]

If you make less than 150-200k+ a year and you follow Dave’s advice you’ll probably never own a home.

[@DarkPhysicx]

Me and my woman have a household income of $150k, and with these rates and prices we still can’t afford a house. It’s absurd. We have 70k saved but even with that, nope. We need more space for our baby but it’s not happening anytime soon unfortunately 😢

[@hvaball150]

You can afford $450k. Tens of thousands of homes available today all over the country. Is your metro area over 1M people?

[@eggsinsideme]

You can easily afford a home. You just feel entitled to own one in a high cost of living area.

[@at3niel]

@@eggsinsidemewhat makes you say it’s entitlement? Homes are tied to school districts, you don’t know anything about this person’s situation.

[@goldenlifelove7251]

​@hvaball150 you dont know where they live or what their career situations are. Telling someone there is "affordable" housing everywhere is crazy! You want them to find new jobs & move to someplace w/ a lower COL just to buy a house? You don't know what their family & parents & obligations are!

[@secretsquirrel6718]

I make about the same net and still feel broke! Like. I couldn't fathom buying a new car. Glad I own my house and am not looking. I know its dumb advice but consider moving to a different area.

[@uplifthabesha754]

When you say cost of Housing, Is it only the mortgage or Does that include PMI, Property Tax, HOA, Insurance, Maintenance and Utilities?

[@aragon5534]

I regret listening to Dave because of him I’m pay 2,500 a month for rent instead of buying a home at 3%

[@BrianaBudgets]

Thank you for not being hard on the first girl. We’re trying our best out here.

[@RobertT__www-nfta-ink]

I bought right before 2008. I'm not going to buy in 2023

[@Jake-nq5fb]

And even you bought during the peak of the bubble, I bet you're up at least 100%.

[@trainsandlocomotives]

@@Jake-nq5fbyup

[@coldflu]

With the cost of homes manipulated to sky high fiat value, why bother saving and paying for any home with fiat?

[@meep9873]

VA home loan is the best mortgage loan in the market - I don’t agree with Dave on his dislike for VA home loan. There is no PMI as it’s federally backed. You only need to have 10% disability to have the funding fee waived, which means it’s not the most expensive loan. Also, the rates for a VA loan are the lowest in the market.

[@zimmyp]

He's wrong on VA loans. I have one and the only fee thats specific to the VA is the funding fee which was 1.5% of the house.

[@toxicthesniper8264]

Him talking crap on the Va loan and not understanding the possible uses of such tool. He must expect everyone to just have hundreds of thousands tucked away

[@zoeboy2766]

Minimalism is the answer

[@robbennett]

Ww have followed his advice and will be debt free in less yhan a year. Single income, teacher. Sacrifices at the beginning made it easy now.

[@Gtazoe]

What about a better strategic paramilitary position?

[@mikehawk9992]

Wow Ken hit that well. Time not your money.

[@fabbz94]

Imagine getting a 15 year mortgage in the Bay area. Me and my girl couldn't. We have a 30 year mortgage. Once the rates come down (5 years+) then we will just refinance.

[@DontAtMe2k24]

I’m so tired of Dave’s home buying advice.

[@JakeStz]

Then why are you here? Just turn off the video bro 😂

[@DontAtMe2k24]

Because the drama just sucks me back in every time.

[@BlakeTedKord]

​@@DontAtMe2k24lmaooo 🤣

[@the_m1sa]

Fed Reserve is taking money out of circulation and increasing interest rates quickly. Way too quickly. Which means this is going to get worse. Emergency fund is definitely necessarily. Prepare

[@ihaveadreamformykids4400]

I’m on track to payoff my mortgage in 20 years. It could be earlier if we increase our wages.

[@gator701]

Don't ever buy with a 15 year mortgage. If you need to pay it off quicker just pay 13 monthly payments each year. The 30 year is more difficult than folks realize but still it is the only choice. During home owner ship 7-20 years most people run into financial difficulties at one time. Plan ahead for that day. Each year you own, save a bit more of a rainy day savings fund. By 10 years ownership you should have at least 10 months of income in your rainy day fund.

[@PTunnelly]

Currently, I'm making around 80k as a recent grad, plus a supplementary income of around 5-6k a year. DTI is around 22-23% (only paying rent). My credit score is a 779. Recently paid off my car and credit card so I'm saving up liquid cash again to hopefully buy a house by the end of 2024. What cash amount should I realistically aim for to save if I'm targeting a 350k-400k house? Is that range even possible? I'm also thinking of using VA loan.

[@elizabethblane201]

Wait another year at least. The bubble is going to pop and prices will drop at least 30-40%. Save up at least 20% for your down payment. But be patient and watch the HUGE correction that will occur in the next two years. Don't catch a falling knife.

[@gregh7457]

have your agent search for houses with fha or va assumable loans. yes you can assume a va loan without being a veteran. plenty of 2-3% loans out there you can take over from sellers. end of 2024 is a good target to start with . the recession should be in high gear about that time

[@AurelioPita]

You should see Portugal with all USA people coming full of dollars.

[@steelcastle5616]

She's a worker...and most of the people you're talking about are retirees with no children and at least have a monthly passive middle-class income coming in. If she goes there having to work for a living, she'll be better off staying where she is.

[@mrlfordf150]

I’m buying a house right now

[@JustinJoe394]

I like and follow Ramsey. However there one size fits all approach is what led me away.

[@blackworldtraveler3711]

I can think on my own,read,do math,etc.. and know what works for me so I don’t see it as one size fits all. What’s constant with me is maintaining zero debt and living within means. Already retired debt free in my 40s as planned so………

[@KarenniTalkshowKTS]

Just buy if you're pre-approved. You will be ok. You will find a way. Believe me.