On that salary in the current Market ? You can get a very nice 2 Bedroom Tent and nice sleeping bags .
@stephanienguyen69923 жыл бұрын
I agreed with you 👍👍👍
@jejoko3 жыл бұрын
Welcome to the leftist global reset, where those in power remain rich while the middle class disappears into a communist economy with higher taxes, crippled supply chains (building materials) and "free money" (less workers) FJ
@tlpark6003 жыл бұрын
🤣🤣right!!
@laflor68543 жыл бұрын
:( wow..so no hope?
@Tyler-28393 жыл бұрын
@@jejoko how can we know if the massive wealth transfer upwards is caused by leftism or capitalism?
@Doors0672 жыл бұрын
140k condo making 15 an hour in 2020 so about 28-29k a year. Now I'm making 21.75 so 42.5k and my home has increased 80k in value. Was a great buy. I had zero debt so that's why I was able to pull it off
@steviecoleman92602 жыл бұрын
Wow you sound like me, I bought my town home back in 2017 for 90,000, while only making 13.50 an hour now my house is worth nearly 180,000 great Investment!!
@TheMichelex20 Жыл бұрын
People don’t realize that this is possible. Eliminate debt and you have way more wiggle room on a mortgage.
@ricky4673 Жыл бұрын
What about hoa bs...
@steviecoleman9260 Жыл бұрын
@@ricky4673 where I live no hoa.
@tamarastone141 Жыл бұрын
@@steviecoleman9260 where do you live??? 90k townhouse ?
@Weathernerd273 жыл бұрын
Someone making 50k a year paying $1,900 a month mortgage is insane. I make 80k a year and I can barley afford the $2,030 monthly payment on the condo I just bought. Please before you assume you can afford the maximum amount the bank will lend you make a list of all you're typical expenses and add them up. You will see that if you take the maximum loan the bank will give you then you will have to cut back in alot of other areas and even after drastic cutbacks you still won't save anything. I work in construction and occasionally there are a few months without, I have found if I save 10% of my gross pay I can get through these tough times, If my payment was any higher than it is I would not be saving 10% and would likely lose the condo in the next downturn.
@allthingsdelightful85653 жыл бұрын
damn that is a lot. Mine is a bit more reasonable$1500 before hoa fees. Even that is feel is high but its not as high as the rents around here and factor in all that damn moving I was doing year after year. I am actually saving. I didn't do my calculations on gross income like they did. I looked at my net income and knew based off that and my revolving debt and basic expenses what I could afford and still be able to save money.
@helenkotowske38293 жыл бұрын
Progressive23, excellent comment. Also, things can happen like hours being cut back or illness. Then suddenly. especially with a maxed out house payment, there goes the house. With the inflation in prices for a lot if basic items like meat, gas, household goods, plus taxes and fees( in California) who knows what your future budget will be???
@Dee-oq5ms3 жыл бұрын
I make that and wouldn’t dare do 2k/mo I’m complaining about my almost 1400/mo. Sorry you’re going through that but it’ll pay off in the future.
@Dee-oq5ms3 жыл бұрын
I’m also in NC tho so I’m sure that def makes a difference.
@mine16853 жыл бұрын
If you can't afford $2030 monthly payment, then you must either have a family with one than one child and/or a non-working spouse or you must be spending your money at restaurants, bars, goofing off with friends, traveling, etc.
@yr5425 Жыл бұрын
I make 65k a year and have a 770 credit score, planning on putting down 20k with no closing cost since I work for a real estate attorney. Wish me luck 🤞🏼
@NZComfort7 ай бұрын
Two years later and house prices are still bananas. 🍌
@ronpagala74963 жыл бұрын
You can buy a nice tent in the skid row for 50k.
@primeobjective54693 жыл бұрын
If by a tent, with the other homeless people in CA, you can afford a nice tent.
@helenkotowske38293 жыл бұрын
Nice joke. California has become a joke. So sad. I hope it comes back. 😭
@mine16853 жыл бұрын
probably they will charge the tent soon too (100K per tent- small ten- twin size bed size)
@peppersghosttheater3 жыл бұрын
I see adverts for jobs at 15 an hour in ATL. House's over 400k in the cheap burbs. They are looking for a degree and year's of experience with that. I'm seeing corporate companies advertising jobs of half the salary they were last year
@biblegirl29803 жыл бұрын
I’ve been in my house for 10+ years and I’m not moving. I’m staying. Got rid of the MIP and I’m not selling in this crazy market.
@MosinVirus3 жыл бұрын
It is kind of scary that someone who doesn't do self budgeting calculations could very well end up being qualified and approved for a loan and go through the purchase only to realize later that they can't afford the payment.
@JebSmith3 жыл бұрын
Tell me about it...............the one thing they should teach in schools is how to properly budget.
@justinlugo16612 жыл бұрын
I bought a 17k travel trailer lol
@MosinVirus2 жыл бұрын
@@justinlugo1661 I bet you can afford it then.
@MosinVirus2 жыл бұрын
@Storytime with Mamabear not sure why you left out things like regulation, high taxes, illegals flowing in unchecked, CA closing down almost all mental health institutions, etc. Because greedy landlords have to pay mortgages too, you know? Not sure how lenders are greedy, is it that they want you to pay back the money you borrowed and agreed to repay? Also not sure what you mean by Toxic wealth. There are super wealthy people/entities everywhere, even in communist/socialist countries. The US is the only place where this shouldn't be an obstacle to you getting ahead.
@MosinVirus2 жыл бұрын
@Storytime with Mamabear i have no idea where you are coming from with these statements. The rich people on average give much more to charities than any government ever does. Also rich people usually also create more jobs. I am not one of them, but I feel like you are slapping labels on anyone that becomes successful at earning money, and for some reason you are super concerned with what other people make/have rather than focusing on advocating for everyone else to make good decisions, work hard and live a comfortable life. Being from the former USSR, I can tell you that when the war on the rich ends everyone (outside of the controlling/government class) will be poor.
@TheFlairGuy3 жыл бұрын
Purchased my home for 185 when I was making about 80k. Mortgage was 900 but out the door (tax, insurance, mortgage insurance) was $1200. It was ok. Wasn't house poor but after taxes and retirement contribution on my pay check I wasn't rich either.
@tb12352 жыл бұрын
That's very inexpensive considering. Especially with $80k/yr income. You're better off than 99% of people.
@Dev2088-e3j2 жыл бұрын
Yet my husband and I can afford $1550 rent but can’t afford $1200 mortgage 😂😂😂
@kingko6053 Жыл бұрын
Lol
@prettykitty54166 ай бұрын
How much did you put down though?
@TheFlairGuy6 ай бұрын
@@prettykitty5416 Around 10k I think. It was an FHA loan but a bunch of closing fees etc. So around 10k
@4myeyesonly Жыл бұрын
you should make an updated version of this video now that interest rates are through the roof and house prices are awful
@Ali-uf5du3 жыл бұрын
Dont forget to have at least 6 months worth of reserves before you do anything
@JebSmith3 жыл бұрын
💪
@lesterjohnson26213 жыл бұрын
12....lol
@SoSaysYou3 жыл бұрын
Sounds good and I agree, but unrealistic for most.
@lesterjohnson26213 жыл бұрын
@@SoSaysYou it was a joke....
@Sammich883 жыл бұрын
I'd say 3-6 months to be safe. 6 months could end up costing you the entire six months if you found a good deal and waited until you had a few more months of reserves. Then there's also those like me who pays $1655/month on rent when a 400k house here costs me roughly $1745 on the mortgage+property tax+insurance. Literally the moment I rent out one room, it offsets the house monthly to below the rent monthly. Even if I had zero tenants, at least not the entire $1655 portion will be thrown into the void but most of the $1745 will be towards building equity aka investing back into myself.
@allthingsdelightful85653 жыл бұрын
I am about 20K more and I still felt like I went over my budget. It's all good as I can manage it and have some savings left. It was either do it now or not to be able to do it ever in this market. This video was a bit depressing. Keep hope alive. At some point if you want a place badly enough you will get something.
@JebSmith3 жыл бұрын
Understood. Congrats on being a homeowner 👍
@gilbertacevedo84893 жыл бұрын
I really enjoy 😉 your program I learn a lot your from programming
@JebSmith3 жыл бұрын
🙏🙏🙏
@youtubecarspottersguide13 жыл бұрын
$1933 mo cheaper than rent in calif but where are the $350k homes, desert drive 2 hour to work
@tiajabilah35323 жыл бұрын
I was think the same thing… a.3 bedroom is 2500 a month in south Jersey.
@ryanllts3 жыл бұрын
with 350k i can't even afford a parking spot in new york
@marishamcdowell5522 жыл бұрын
Move?
@Aquariuswonder862 жыл бұрын
Tell me abt it 😅
@kingko6053 Жыл бұрын
Nah stay where he's at
@dawndare39493 жыл бұрын
I’m in CA 50k/yr. Just started working with a lender. I am self employed with a great CPA. But because he is so good at what he does it makes it very hard to qualify.
@JebSmith3 жыл бұрын
That's the catch being self employed, unfortunately
@SassysFitness3 жыл бұрын
Bank Statement Mortgage is an option
@kannonpatterson3 жыл бұрын
50k a year In Cali ?? You can’t buy anything lol 50k a year in Atlanta and you’d be in a bad part of town .
@Malibukenn2 жыл бұрын
@@kannonpatterson there are a lot of condos in California. He’ll be in something with palm trees he’ll be fine.
@kingko6053 Жыл бұрын
Facts. They will want to see tax returns and bank statements as well. Its very challenging being an entrepreneur and applying for a home loan that's above your means, especially if you earn under the national average
@JebSmith3 жыл бұрын
✅ - Get a Referral to a Mortgage Lender or Realtor - www.jebsmith.net/referral 🏠 - First Time Home Buyer Course - www.becominghomewise.com Interested in a FHA Loan - NEW FHA Loan Requirements - First Time Home Buyer - FHA Loan 2023 - kzbin.info/www/bejne/mp7YdHZ5Zbx2mck Also, I misspoke a few times when discussing numbers. I went back and tried to edit after the fact and wondering if it's confusing to the video? Should I re-record?
@hungp.81913 жыл бұрын
No need. I get the gist of it. Thanks for all you do :)
@tiffanymatthews62163 жыл бұрын
It’s ok I got the idea! Thanks for the video
@danielsoto7733 жыл бұрын
You can use credit card in case of emergency… while you invest with your money But be responsible how to use the credit card or you are be dead…
@rickyal9463 жыл бұрын
Great info, but I prefer to save money and do conventional, I hate PMI the same as HOA,
@juniorjoanis83903 жыл бұрын
Hi,we really need your help sir.
@nathanpeters95153 жыл бұрын
A really simple calculation is that a buyer should never take on a mortgage where the monthly payment is more than 25% of take home pay. This puts someone earning $50,000 right around $185,000 to $200,000 as a max, which is also 4x yearly income. So in California or Western Washington, to afford a $1.3 million mortgage somewhere far off from the big city, the buyer would need to make a minimum of $325,000 per year. If the buyer cannot afford it, then the buyer should move where it’s cheaper to live, end of story.
@5guysproduction2343 жыл бұрын
Nathan - do you make $325K? East coast salary and homes don't cost that much.
@nathanpeters95153 жыл бұрын
@@5guysproduction234 well, I can say $180k base average per spouse for a couple is common here, and that’s what drives the demand since they are willing to max out what they can borrow to get a loan on a house. You can look up four bedroom houses in Issaquah, Sammamish, or Bellevue in Washington State on Zillow to get an idea of the prices. I would prefer not to share our income, but I can say it’s pretty much game over for anyone below the $325k income threshold who wants to raise a family in a good area with decent schools. I would say that’s about equivalent to what $60,000 used to be in 1998. People can live comfortably on $500k/year at the moment, so that’s about what $100k/year was in 1998. These comparisons are about in line with similar comparisons regarding the price of gold. There are some crime-ridden areas further out where houses can be had for maybe $600,000 to $1MM. I wouldn’t roam around those areas without carrying, though. If one heads out where it’s maybe a two-hour or longer commute, maybe a deal can be found. That’s just the reality.
@kayw17712 жыл бұрын
I was with you up to “move where it’s cheaper”. Everyone can’t just pick up and move. For example my job dictates where I live and I can’t just quit whenever I want because I’m under contract but I hear you.
@nathanpeters95152 жыл бұрын
@@kayw1771 people interview in other parts of the country with the understanding that they intend to move there for the job, relocating once they get their one or more job offers. I would not recommend moving first and then finding a job second, so it’s a good point. Unless you are in the military, you should be able to do something similar. Some people decide to start a business with the intent to earn enough to cover the cost of living. It often starts as a side business and turns into something bigger. Really, those people will be the ones most likely to stay in the area as people do not want to earn well into the six figures and still live in a little apartment or in a bad part of town. I made an ultimatum with my wife to move if we could not earn enough to buy our next house and she moved fast re-entering the workforce and starting a company, I’ll just say that. Leaving her family was her motivator. So if there’s a will, there’s a way.
@janereinhardt47152 жыл бұрын
That's what I did. I moved out of Orange County in 1990 to the Seattle area to buy a house, & again I moved out of Orange County in 2021 to the Phoenix area to buy a house. I have no home loan since I have no income. I got laid off in 2008 & gave up looking after 4 or 5 years.
@Tyler-28393 жыл бұрын
'if you make $50k in California and are worried that you can't buy a house in that market, don't worry. I'm going to make another video for people that have a higher income.' Wtf?
@kingko6053 Жыл бұрын
50k is nothing
@andyhughes17762 жыл бұрын
The rate of home ownership is directly related to crime rates. The higher the home ownership, the less crime. So then it behooves a society to ensure that there are more home ownership than not.
@janereinhardt47152 жыл бұрын
Before I got laid off in 2008, I was making about 50k per year. & I don't even think my net pay was $2,000 per month.
@BronxBaby347POV Жыл бұрын
Your helping so much! Thanks man seriously!
@Carlosity223 Жыл бұрын
“ONE THOUSAND NINE HUNDRED AND TWENTY FOUR DOLL-“ 😂😂😂
@STILLKINGSTON732 жыл бұрын
Can you start doing videos like this with out debts.. not everyone has debts.. I don't and I'm trying to calculate
@kingko6053 Жыл бұрын
How bout you use google
@martes88772 жыл бұрын
Perfect explanation and very informative video . Thank you
@timothypalmer77613 жыл бұрын
Where can I get a 2.25% rate??
@JebSmith3 жыл бұрын
jebsmith.net/referral
@steviecoleman92602 жыл бұрын
Good luck.
@RonaArts4773 жыл бұрын
I tried to purchase home for 300k and my mortgage is 2200 way high than your calculations
@JebSmith3 жыл бұрын
What's included in that number? What's your rate?
@fluffycrepe40572 жыл бұрын
My dude said car payment for $300... for a honda civic 480$ and that's base . I'm worried to continue 😕 😞
@JebSmith2 жыл бұрын
That's an expensive Honda Civic............the exhaust better be modified for $480/month 🤣
@lostboysent.84842 жыл бұрын
Thank you so much!!! Your content is amazing 💫💫😇
@JebSmith2 жыл бұрын
Thank you so much!
@yo_ez15902 жыл бұрын
I feel a lot better now. Haha. I make about 48,000-50k a year. I was actually looking at buying a 250,000ishk house. My bills are about…$900 a month! I think I can definitely afford it….I hope….
@finnz7786 Жыл бұрын
Got help?
@tamarastone141 Жыл бұрын
You cutting it too close....you have to have enough money for emergency repairs, property tax hikes , as well as being able to save monthly
@keithwisdom1663 Жыл бұрын
@@tamarastone141 depends on savings investment
@tamarastone141 Жыл бұрын
@keith wisdom no, it really doesn't. Not too smart to rely on investments. Savings is saving, you're not supposed to touch that. You must be young.
@mehere85652 жыл бұрын
2.25%? how old is this?
@sportsfan17173 жыл бұрын
$0 in any area because no seller wants an FHA loan in 2021 😅🙄
@JebSmith3 жыл бұрын
Some truth to that in some markets but they are happening. I recently accepted one on one of my listings and we just closed one for a buyer as well.
@misskrystal99333 жыл бұрын
I make 51k yearly, bought my home this year for $148,000, the only debt I have is is student loans. There were some sellers that refused to accept an FHA offer but I was able to find a nice home that was FHA was approved. I do live in Tennessee which helps… but, it is possible!
@RichardsWorld3 жыл бұрын
Something is wrong with my phone, or your audio 😀
@JebSmith3 жыл бұрын
Its possible in that video, sorry
@kashiseverything2259 Жыл бұрын
This was very informative!👍🏾
@randomstuff53078 Жыл бұрын
theres no way someone can buy a house for 325,000 making 50k. I can't barely do it making 98,000 and being house poor
@kingko6053 Жыл бұрын
Its possible
@samanthac.60813 жыл бұрын
Only problem is taxes by me are double that or more for a property worth $350k. The troubles of living in NY state 😓
@JebSmith3 жыл бұрын
Yikes.....what's the percent?
@dariuszmaslowski65903 жыл бұрын
@@JebSmith 2.2%
@SoSaysYou3 жыл бұрын
Does this model also assume credit is 680 or higher?
@dandykaufman23 жыл бұрын
I'm a single guy making this much, bought a 3BR, and rented the other rooms. My mortgage was just $300 more than I was paying in rent before, so they were pretty sure I could afford it.
@MrOC133 жыл бұрын
I'm actually planning on doing this myself also single dude looking to buy unfortunately I'm in SoCal.
@kingko6053 Жыл бұрын
Lol
@concernedgreatly52913 жыл бұрын
Great series you starting. Look forward to other examples, other loan types. Conventional 97.
@JebSmith3 жыл бұрын
Appreciate it. FHA actually works out to a lower payment than conventional.
@catherineburkehomes3 жыл бұрын
Question: what if im putting 10% down on FHA? Do i still need to do the UFMIP and the monthly MI?
@Ali-uf5du3 жыл бұрын
Use the 3.5 down and refinance to conventional after a year or so. It will remove the mi
@JebSmith3 жыл бұрын
Yes on both.
@jonasleal932 жыл бұрын
This is why you NEED to have a licensed loan officer or lender to review your situation. It can get very complicated real quick! Thanks for the video. Talk to a lender. They are not going to charge you anything. We basically work for free until a transaction is closed.
@JebSmith2 жыл бұрын
Very true
@hectorrmontalvo3 жыл бұрын
I have 770 credit score, down payment ready , and 6 months expenses. but don’t plan on paying closing costs , which you recommend fha or conventional?
@JebSmith3 жыл бұрын
How much down payment do you have? If you have more than 10% then conventional is likely the best option. If not, FHA may be the way to go. Get your lender to give you a side/side comparison.
@tb12352 жыл бұрын
Good luck trying not to pay closing costs.
@SrTuX2 жыл бұрын
Is it possible to have this on an excel sheet 🤔
@Alwz1003 жыл бұрын
Is there a program for first time buyers who need help with down payment?
@tonyak54043 жыл бұрын
When I researched these programs in the past, they will charge you a higher interest rate and want a smaller debit to income ratio. I decided to wait and save on my own. Do your research to see if it works for you. Also, the escrow can take longer to process. I'm closing on my first home next month.
@JebSmith3 жыл бұрын
Yes there is but varies state to state. Find a good lender that knows the programs.
@SwayzeDaGhost4 ай бұрын
2.25% interest rates....What happened America?
@SuperAndora2 жыл бұрын
2.5 interest ??? Kate you k???
@PhotoColin3 жыл бұрын
Jeb! A number I’ll never forget: “One thousand nine hundred twenty four” Haha! All jokes aside. Looking forward to seeing other evaluations based on different income levels. What percentage do you see in your client base stretch budget who plan to rent out a room or room(s)? With high COL the house hacking route seems popular. Is this maybe a topic you bring to your clients to push toward more expensive housing or sway affordability?
@JebSmith3 жыл бұрын
Bahahaha. I had a dream about it. Should I re-record?
@mine16853 жыл бұрын
@@JebSmith I don't understand what is going on? What was wrong with the number "One thousand nine hundred twenty four”?? Was it wrong? Which part? Why? I am confused after reading the comments.
@banditgrl3 жыл бұрын
@@mine1685 It was the strange editing and off audio of the number every time it was mentioned in the video lol which made it fun/funny
@ralphurrutia66523 жыл бұрын
Excellent video
@joannmarie9132 жыл бұрын
you have a lender that does USDA for self employment
@Isis313 жыл бұрын
I am refinancing. But each time the mortgage company sends me new paperwork, the closing costs increases and how much I am supposed to get back is lower. Why is this happening? Should I just remove the money I'm getting back? How much do you think that people should take out for a refinance?
@ElevatedAgenda2 жыл бұрын
0$
@Isis312 жыл бұрын
Are you saying $0?
@myza64642 жыл бұрын
Great advice thank you for educating us all.
@msbarrow872 жыл бұрын
Hi! When selecting a lender to start this process are there things I should be looking for? What makes one lender better than the other or do they all pretty much offer the same services? I know you offer assistance with referrals but I was just curious. And when you say lender… is that the same as a loan officer? Love your videos! Very informative for a newbie. Thank you
@JebSmith2 жыл бұрын
Yes, lender is same as loan officer but I should be saying "mortgage professional or mortgage expert". Communication, experience, knowledge in addition to rates/fees.
@keithwisdom1663 Жыл бұрын
50k no savings vs 50k net worth 250k Salary or net worth should be guide
@henryjohn9723 жыл бұрын
Great Explanation....
@JebSmith3 жыл бұрын
Glad you liked it
@mca47643 жыл бұрын
Good Content Man
@JebSmith3 жыл бұрын
🙏
@Noah-jr5sh3 жыл бұрын
If inflation hits 10 percent, could the 10 year treasury go negative ?
@luxelex78812 жыл бұрын
Need to be approved for this amount as well, or something closer to it
@ilseeesquives3 жыл бұрын
What about a 72K in Las Vegas.?
@abner091619922 жыл бұрын
how much would the closing costs be based on this scenario?
@philsalinas40553 жыл бұрын
My vehicle payments are $1500, single income family of 4.
@kingko6053 Жыл бұрын
You crazy lol
@robertofernandez20053 жыл бұрын
Love the editing.
@JebSmith3 жыл бұрын
Thanks Roberto
@Piernaapestosa Жыл бұрын
ONE THOUSAND NINE HUNDRED TWENTY FOUR.. 🤣 great info
@JebSmith Жыл бұрын
that video was terrible, here is the updated version that I just did a week ago - kzbin.info/www/bejne/aYfLopytlsepl5I
@martes88772 жыл бұрын
Is there any special requirements to be qualified for 57 % of DTI ?
@YourDadsBoyfriend Жыл бұрын
Pay off some debt first.
@twentyonetoone97832 жыл бұрын
Interest rate calculated at 2.25%.. man if ONLY
@MM-oi9if3 жыл бұрын
You are greatt !!
@JebSmith3 жыл бұрын
🙏
@aliciaarvelo-torres62563 жыл бұрын
Do you have Realtors and Lenders' contacts in Puerto Rico?
@JebSmith3 жыл бұрын
Reach out to me and I'll check. youtube@jebsmith.net
@superior3384 Жыл бұрын
Do you have a video giving 10 percent down payment using an FHA loan. ???????????????
@JebSmith Жыл бұрын
I don't as it's rare that anyone putting 10% down would use an Fha loan.
@chriswalls58313 жыл бұрын
Get a cheap home or buy trailer
@benny90413 жыл бұрын
When are you going live again brotha?
@JebSmith3 жыл бұрын
This week......Wed at 5pm PST.
@mrrr4072 жыл бұрын
Lol the voiceover keep catching me off gaurd
@JebSmith2 жыл бұрын
I know, that was awful.
@69Fabulosity2 жыл бұрын
This makes me sad 😔 someone doing it all by themselves making under 50k seems like too much to afford not including food, gas and recurring monthly bills 😫 I don't know how folks do it these days. I would say good careers or some Ppl may shack up just for the joint financial help 🤷♀️ 😂⁉️ There's always the pole 🤣🤣🤣 just joking 💯❗️
@MARIOsWaGpro7 Жыл бұрын
Make one with todays current rate
@JebSmith Жыл бұрын
I have..........kzbin.info/www/bejne/aYfLopytlsepl5I
@alpharenderings73802 жыл бұрын
that interest rate is nowhere near that now lol
@kingko6053 Жыл бұрын
6.3%
@kevinhawthorne52573 жыл бұрын
Good video
@JebSmith3 жыл бұрын
Thanks
@Frog-in-pond3 жыл бұрын
Nothing lol 😆
@JebSmith3 жыл бұрын
😂🤦♂️
@decarlocalloway012 жыл бұрын
None.
@gvanys Жыл бұрын
50k a year it's a minimum wage in 2023.
@kingko6053 Жыл бұрын
Bingo and under national average as well which is 75k
@NCal82 Жыл бұрын
Not even close bud,under 35,000 is minimum wage in CA.
@gvanys Жыл бұрын
@@NCal82 35,000 your a homeless in CA.
@fosforus1588 Жыл бұрын
@2:48 - lol, wtf? If you need to spice in new segments, do it in an intentional classy way, not like this. Just say "after recording, I updated the amounts... etc". Be transparent about it, not like this, just seems sketchy & amateur. (I know you may know better now since this was a year ago. Also, thanks for this content!)
@richardbell16142 жыл бұрын
I make 50k a month and that's a little steep.. geez almost 2k a month. I would have to feed my family spam sandwiches
@kingko6053 Жыл бұрын
24k a year is too much wow. You shouldn't have a family brah
@kief4diamonds Жыл бұрын
Double wide. Bout it.
@everthingbutterflyz33703 жыл бұрын
A tent :)
@marcus33962 жыл бұрын
I don't like his math. You are maxed out on your budget. You're going to be a slave to your house.
@Power_Windows3 жыл бұрын
You are a goldmine
@JebSmith3 жыл бұрын
🙏
@scottgodkins20172 жыл бұрын
Well, that’s just flat out irresponsible of it FHA I suppose…
@rp12683 жыл бұрын
With 50k in salary you should NOT be buying a home. It’s an easy way to end up in bankruptcy.
@azrahostetler5712 жыл бұрын
Depends on where you live. 50k in mobile, Alabama is not the same as NYC
@noellhankton54382 жыл бұрын
Thank you, in Texas, Alabama, Louisiana, Mississippi you can afford a house with that salary
@rp12682 жыл бұрын
@@noellhankton5438 are cars cheaper there too? Insurance? Gas? Food? Clothes? College tuition? Those are pretty standardized across the country.
@noellhankton54382 жыл бұрын
@@rp1268 I can only speak for Mississippi but most of those things you listed are cheaper. Gas in California is $5 a gallon while it’s $2 and some change here buddy
@rp12682 жыл бұрын
@@noellhankton5438 even now? That’s incredible!
@adriangonzalez56692 жыл бұрын
1924
@lele22163 жыл бұрын
Rental property.
@deardallasitsnola34353 жыл бұрын
What in the world
@dekonfrost72 жыл бұрын
Lazy editing terrible audio
@lele22163 жыл бұрын
This is me. Poor lol
@kingko6053 Жыл бұрын
Lol
@aydenmontes88592 жыл бұрын
Subscriiiiiibe
@JebSmith2 жыл бұрын
Thank you
@testtickles87552 жыл бұрын
So 32k per year with bad credit and no money saved means no house ..