My Advice to Homeowners in 2024 - WATCH THIS Before Acting

Real Estate Investing For Beginners: • Real Estate Investing ...
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[@clearvaluetax9382]

Here’s how much home you can afford (based on your salary): kzbin.info/www/bejne/iHuonGyjfJp9fq8

[@slimpickens8343]

I’m 31. Have never worked harder and have never been able to afford less. Yet they tell us the economy is booming

[@jramos0010]

it is booming just not for us

[@synewparadigm]

"You will own nothing and you will be happy " Klaus schwab at WEF

[@Julian-1111]

They’re lying- Vote them OUT.

[@fuqutube]

Vote better..

[@ahberlowkz852]

It's a different kinda booming. People who work in the tech industry aren't complaining about shit.

[@J-Rod73]

Taxed on things we ALREADY paid taxes on is such BULLSHIT.

[@vladimirofsvalbard9477]

Wait till you pay taxes on your social security since you'll likely still be working lol

[@J-Rod73]

@@vladimirofsvalbard9477 🙄👎

[@crazeekids9744]

Property tax is legalized theft.

[@patriotsforegolf9859]

@@vladimirofsvalbard9477 technically you do pay taxes on SS- if your income limits call for it - I pay tax on 85% of my SS

[@vladimirofsvalbard9477]

@@patriotsforegolf9859 Spot on!

[@mariorta5017]

We just paid off our home last black friday. Took us 9 yrs and 5 months. Just on 04/05/24 did last payment on our last debt. Feels amazing to be free.

[@EvangelismforGod]

Congratulations!

[@IIIIthruXII]

congratulations

[@jumpiam8477]

Congrats! 🎉

[@davidfairchild1640]

Great work. Congrats

[@theflightsimulationexperie6894]

Your home is never paid off when you have to pay property taxes and insurance for life. Also, stop paying taxes on your property and we will see who really owns your home.

[@LaughOutLouie88]

Property tax is pure theft especially after paying a mortgage off.

[@Koushi82]

Wrong income tax is pure theft or tax you are paying for the infrastructure giving your house value nub

[@jameskroeger1436]

All taxation is theft

[@dreamchaser5758]

How? Property taxes fund the municipality where the house is located, critical services like law enforcement, schools, fire/paramedics and public works. Citizens still utilize services regardless if their homes are paid off or not.

[@NoNo-ng9sl]

​@dreamchaser5758 there's other ways to collect those taxes. Half of my property tax goes towards the school district I'm in.....I don't have kids.

[@giovannidigitalart]

Taxes pay for good and services. Now tax breaks and loopholes for 1% now that's a criminal. Trickle down has never worked.

[@austininmedford]

The only youtube channel I consistently watch for information about the economy. Thanks!

[@never2be07]

Better than CNN

[@dankcastle9092]

Yup, without bias noise

[@misslady582]

Agreed. When I started following his channel for covid news... the financial updates were super helpful when I was in school studying for my bachelor's degree in finance. 😊

[@feelgoodsongs1]

The best channel for sure! Thank you!

[@mwashi401]

Me too! Brian is on point!!

[@Nwakaego_]

The only KZbin channel I trust for this type of information. Brian is honest, straight to the point and no fluff or lies.💯 Thanks, Brian!

[@billywatson9821]

Yes. Agreed.

[@andrew4628]

I greed his honesty

[@martytempleton3734]

I’m in the “just surviving”bracket 😮 $2369 is my mortgage at 6.25%ish . It does feel “ brutal” but renting was about the same amount for a 3 bedroom.

[@alexleal7643]

Oooof. I had the same interest rate before I financed in 2021. I went from 6.25% to 2.875. My payment dropped by around $500. Insane how much more you pay. Hopefully it changes soon.❤

[@antareschen4451]

Mine at 6.75% 😂

[@gunerguner3260]

Just locked in at %6.99😫

[@tdf123emcee2]

You can always refinance. Jeez.

[@piusjrna1]

Wow. It’s crazy man, my numbers are the exact same. I’m signing ✍️ on Monday.

[@MikeCrawch]

My house was 2.65%. Sold it. Paid off all my debts. And now I’m back living with my grandparents and saving 2k a month. Yes it sucks having to go back to my grandparents, but the feeling of no debt whatsoever is the best feeling in the word! No college debt, no car debt, and no credit card debt!

[@debbietucker1038]

And the older folks can definitely use the help with lots of things. And probably enjoy your company.

[@arcadiagreen150]

"You will own nothing and you will like it" -Klaus Schwab

[@justacitygirl]

Sounds like my dream life. Assuming your grandparents are cool, which most aren't.

[@MikeCrawch]

@@justacitygirl Asian parents and grandparents are cool. They push you to get the f out of the house when you’re in high school but beg you to come back after college. It’s really weird lol

[@Celticsfan10134]

Should've rented the place out

[@bobbyhernandez9558]

My mortgage has gone from 875 per month to 1100 just because of property tax and absurd insurance rates.

[@valdivia1234567]

Same here.

[@UniqueJ]

Same here. Insurance for the year was about 9XX when I first got my home in 2021 (with a 2.7 interest rate 🙂) Now the yearly insurance rate is 1,1XX (more than double😡) then there's the tax increase. 😒🤬

[@paullowell3342]

You shouldn’t be escrowing your taxes/insurance. 1,100 is crazy low btw. You’re doin much better than most

[@talkingcrow6385]

Same went from 1100 to 1550. All taxes and insurance

[@bobbyhernandez9558]

@@paullowell3342 thanks, yeah we won't be making that mistake again

[@TheZoePath]

The 6%--7% rates are only brutal because home prices and cost of living are so high today. I bought my first home in 1998 with a 6.5% interest rate, but the home only cost me $145K, plus all other life expenses were much lower than today. The problem is that compounding inflation is strangling paychecks.

[@user-ji6qj1db3u]

And bc we are not paid enough!! Our salaries are stagnant AGAIN!!! In some states the minimum is an insult $7.50!! Is disgusting!!

[@Koyotee25]

exactly.

[@Koushi82]

So lower prop values

[@abigaila7341]

The problem is actually greedy corporations inflating prices and taking advantage of the poor and middle class.

[@void5239]

Exactly. Trying to buy my first home atm and it is BRUTAL

[@brandonburns5365]

I think paying off your mortgage is the best way to go. I think one of the benefits that is undervalued is. The peace of mind of knowing as long as you keep up with your property taxes, keeps a roof over you and your love ones. Especially during times like this.

[@bennym1956]

Especially when you retire.

[@lisadinthongsai1383]

Well said

[@prevailathletics2951]

It depends on your own goals. If you are content with the life you live and house you live in then yes pay down your house. If you are trying to grow and leverage yourself during this time then don’t pay your house off.

[@todddunn945]

Plus you can save some or all of the money that was going for your mortgage.

[@riderdie1603]

Realistically it’s probably better for people, since most won’t actually take the difference and keep it in the savings account they’ll just increase their standard of living.

[@waltersoapjack6123]

Best investing KZbin channel. No frills, no theatrics, facts, and solid information. Thank you

[@mwashi401]

Absolutely!! Love his transparency!

[@Honeycomblife]

Exactly I hate the other stupid channels with click bait and fire graphics and dramatics

[@SignalCorps1]

As someone who has invested in real estate for decades, worked in jobs with heavy finance components and have my MBA in Finance, this man is giving excellent advice across the board. There is nothing I disagree with other than homes are so overvalued at present that I’m not certain real estate prices will go up when the Fed finally starts dropping rates. I think metros that boomed during COVID need to correct first, but this is just speculation on my part. Listen to this man if you’re not experienced in this area. All the best

[@justacinnamonbun8658]

I have to buy a house this year, I have no choice, I've been waiting since 2019 and the family grew, it's too big and I'm not renting a 3 bedroom apartment or house for what I can pay for it on a mortgage. Not looking for anything fancy, as long as the roof and foundation is good that's all I need, I can fix everything in between.

[@harveytaylor0101]

Facts

[@goler6477]

should have bought in 2019, good luck with inflated prices

[@11bftw]

Iterating you should have bought in 2019, this channel helped me make that choice.

[@House_hacker_619]

Make sure you shop for rates preferably broker

[@ychongy]

Just Be prepared to refinance

[@user-xo1lg3nj8m]

Perfect timing. Im shopping around for insurance quotes, it went up by $1500! No claims or nothing, simply inflation. We are 22K away, with 4.75 interest, we are aiming to paying off our mortgage this year, we want peace in mind.

[@coder_117]

I have a 2.75% mortgage & feel like it's bittersweet. Sweet because it's a very low rate. Bitter because now I'm trapped. I can't go anywhere if i wanted to because literally any other house is going to have a higher interest rate that I probably wouldn't be able to afford.

[@user-mg8fn1bq9d]

The fabled "golden handcuffs"...

[@lindawalker5144]

I can relate! Bittersweet

[@traciewebster4175]

Same

[@Soleaux2412]

All facts. 2.75% this way too

[@SLHJR0390]

rent it out and move.

[@AB-yr2eo]

Thank you for confirming my bias. I got in at 7% last year and I've been paying down my mortgage like crazy, basically double the amount because I'd like to have it paid off ASAP without paying hundreds of thousands of dollars in additional interest. I have an emergency fund but I don't plan on saving any extra cash anytime soon. That's all going to my mortgage.

[@ancientoneyog-sothoth6112]

Paid off house yes u have insurance and prop taxes but mortgage paid off is PRICELESS

[@turbografx7]

paid the house off last year, best decision of my life. rental property is nearly paid off, and have been focusing on maxing out both ROTHs and investing in other ways. with 3 kids, no debt outside the rental has made life much essier. this video is fantastic advice, thanks for all the great content!

[@NaiSaetern-tp6fi]

Just paid off my house. More saving

[@EvangelismforGod]

Congratulations!

[@nikkistringer5799]

Me too

[@bucknut9475]

Congratulations and well done

[@TheBeautyJock]

Congrats!!! 🎉

[@marlonlicup10]

Paid mine off in 2020!

[@davidnunez8777]

I paid off the house and not only do I save on interest payments, I save over $6000 annually on homeowners insurance. Is there a risk in self insuring your home? For sure., but this home has stood the test of time and survived every single hurricane since it was built in 1954. I'll take my chances.

[@pamelawoodall5891]

I’m thinking of doing the same thing .

[@Koyotee25]

Louisiana?

[@davidnunez8777]

Florida

[@Theashleydenise]

Im group #1…im staying put and will just continue to remodel and do updates. Prices are getting more ridiculous out here!

[@markigirl2757]

Sameeee I always have to remind my husband to be grateful we own this home we have currently 😅

[@Honeycomblife]

Same! I'ma stay my butt here ! 😂

[@deesharii4893]

Exactly!! It’s not that serious.

[@daviddavis6745]

We bought brand new construction with 5.75% last year. June 26,2023. You nailed it! All we can do is try and SURVIVE 🙏

[@rstscott]

You should be happy at 5.75%. Twenty years ago that was considered impossible. In fact, it’s quite possible rates won’t return to those levels for many years.

[@nanciemua760]

We are on the same boat with interest and year we bought it for. Just trying to survive

[@Koushi82]

New is cheaper than old yep

[@ccnaz1]

We Bought February 2023 with 5.9 🙏🏽

[@steveholmes1736]

I find your comment spot on! Home prices will certainly rise as interest rates fall next year and beyond. Surviving is the key point during this time. Good luck to everybody.

[@scottcoleman2876]

If the country goes sideways I'd rather own my house outright in case of job loss.

[@alinavoron5659]

Yeah. As long as you can afford Propert taxes and insurance that went up for me personally 25% in just 1 year.

[@deshawndac4163]

Exactly.

[@Fjb.trumpwon]

@@alinavoron5659property taxes isn't that much Burger King workers could pay that electricity, oil to heat it and still have money left over

[@fah232]

But you'll still have property taxes.

[@thebigballer2434]

if the country goes sideways your house will become worthless. better to rent and have the flexibility to flee the country in that case

[@TT-co3gj]

Spot on. Buyers - listen to him, do not overpay. Seeing too many folks getting caught up in FOMO. You or you agent needs to be looking at comps. Do not be the one person in the neighborhood that has set the bar for new high value.

[@Isaak1030]

I hesitated, found 2.7 acres for 10k, slept on it and by morning it was sold

[@KoltonJBacon]

Probably financed. Which isn’t bought.

[@icecoldthegeneral]

Your channel is the only channel that makes any sense in this day & age

[@richmercedes]

2.75%…nothing is getting me out of this rate.

[@NurseMJ986]

2.5%. I feel so blessed to have refinanced during covid.

[@hopoutside]

2.25%…same

[@DR-oy9wc]

Watch how they raise everything else besides your fix rates. They want us to own nothing, remember that.

[@SensSword]

2.25% as well with less than $150k to go on the mortgage.

[@alexleal7643]

2.875% hehehe. Refinanced during covid. ❤

[@deandrajanae1769]

Thank you for all the honest advice! been with you since stimulus checks! i always trust you 🎉

[@jayc4715]

I hate debt...paid off house is always good..less stress

[@Chaosmite]

I refinanced in 2021 to get 2.125% down from 3.875% in 2013

[@LivingRetirement]

Once again, excellent video. I 100% agree with you; if you need to buy a home, do it now. Prices will just go up. My roofer just told me that since October last year, prices for shingles went up by 23%! Plus: If you buy now and rates fall later on, do refinancing. But always do a fixed rate loan.

[@karenreiners5226]

The honesty is why I keep watching. Don't be sorry! Thank you for all the help!

[@ImmortalThor13]

Best line of the video: just because you can, doesn't mean you should. 👏

[@jrey3]

Thank you, Brian. I felt like this video spoke to me personally. I didn’t fully understand everything you said; luckily, I can save this video and rewatch it until I do. You have restored my faith in humanity 😂. No clickbait, no gimmicks, just numbers and facts.

[@thesuperdingos]

Property tax’s and homeowners insurance…be careful for that! That’s how they’re gonna try to get people

[@43178]

Yeah. Our property tax has gone up twice, and we've had our townhouse for only three years.

[@DR-oy9wc]

💯 correct

[@EJ84x]

I never understood the term priced out of your house until I bought one and had to start dealing with my escrow and then it made so much sense

[@Samurai31631]

To the OP. I found it odd that they want to cut interest rates. Your comment makes sense. Cut rates, inflate home prices, increase property taxes and insurance costs. The Fed and the US Gov’t are diabolical.

[@joshuacastleberry1431]

We all have to remember that even if you pay off your mortgage you will NEVER actually own anything.

[@joyblackburn6785]

How so? Explain please.

[@ceelowc1496]

How so

[@highbrass3749]

Paying nothing but property tax and insurance is still way better then renting.

[@kyleestrada1222]

As a homeowner my plan is to wait for the rate cuts and once the house buying frenzy begins again im going to sell and move to Mexico.

[@mainegreengrower4209]

Hahaha!! Love it

[@dzrtfleet3596]

Smartest comment I have seen

[@renobrecords]

I really appriciate this. I'm unfortuntely in group 2 but luckily was able to put down 20% and avoid PMI.

[@lexilexi8548]

That’s great! 🙌🏾

[@chrisitianbeatz]

Same...

[@barium0u812]

I'm # 3 Paid off our 3% mortgage in 2021 and the feeling of debt free from creditors is Life!

[@shouse94]

Should have kept that low loan and took the surplus money to stocks.

[@barium0u812]

@@shouse94 Who said I didn't take that savings and invested? Not me.

[@cyrusm3391]

​@@barium0u812 your biggest investment asset besides stocks WAS your home. Right now has the least risk compared to stocks too. Shouldve kept it.

[@barium0u812]

​@@cyrusm3391I purchased Gold when it was $1800 and look now.

[@deshawndac4163]

Well, now the mortgage is paid. And they still have the amount that the mortgage was, as surplus money. ​@shouse94

[@jonrios1389]

Most of us don’t have the money for a home now of days

[@harveytaylor0101]

That’s why you research and understand how to buy

[@marvincruz7803]

Most? 🤨

[@duannguyen5442]

Thank you. I'm in group 1 and I have been thinking about this exact topic. Great advice and you saved me so much time.

[@EmanM45]

This is one of the best channels on KZbin in my opinion for me anyway. Solid information and write to the point and explained well for as common folk lol

[@hou713ammon4]

Love your work!!!🎉 always making every point clear

[@normaharrington6246]

You were correct on all counts. Im at 3% mortgage, and I split my money between retirement and savings. You need savings because home maintenance happens. The water heater cost me over 2,000 last year. A/C was over $5,000.

[@DM-op9tp]

Brian you've always been honest since I came across your posting.

[@joelb08]

Group 1 here. 3.6%. We bought 9 years ago. House has gone up pretty nicely in value but like you said, who cares? It really means nothing to sell high and buy high. We are heavily prioritizing paying off the mortgage. One less payment every month to help us be ready to weather any coming storm.

[@dominicanyorktalk4980]

Thank you for providing this information in plain English. This is the most useful channel I'm subscribed to. Really making a difference.

[@mr.melendez1398]

2.8 but now they raise property tax and my insurance went up twice its these thieves ...

[@synewparadigm]

Vote them out!

[@Koyotee25]

@@synewparadigm , and vote who in? Here in Louisiana, the department that oversees the Insurance companies are retired Insurance company CEO's, have been for the past 50+ years. The new one taking over in 2024 ran unopposed and his plan to 'fix' things is to remove regulations

[@Koushi82]

It's just your house price going up nub

[@Honeycomblife]

Does your state have homestead tax protection? I know Texas has it I think other states have that

[@stevem-zk6ki]

Thank you for the consistency and quality

[@clearvaluetax9382]

Thank you for getting here so fast!

[@EmanM45]

3.5% here. Cannot see selling

[@vivettewilsonbrown]

Group #2 here, I am surviving with a 6.25 interest rate. Thanks Brian!

[@818javi]

5.8 interest here trying to survive

[@riskanet]

Today national average is 7.9% means you got lucky with 6.25. Congrats 😅😅

[@samaya05]

5.5 here sheesh!

[@vivettewilsonbrown]

@@riskanet At the time, we didn't feel lucky, but now I am glad we did it.

[@sergetinc1344]

Also prices of houses are through the roof. I’m lucky to own and got out of that unforgiving market.

[@edwardyanis1301]

I realize everyone's situation is different, but, this is what I am doing. I have a mortgage on a townhome in Carrollwood outside Tampa, FL with a 2.5% interest rate. I am using the extra money to pay down two high interest credit cards at 28%.

[@giovannidigitalart]

Love the advice. Specially the part about not waiting to buy. The time is right when you are and prices most likely will sky rocket when interest go down because everyone on the sidelines will jump in. Supply and demand 101. Love the truthfulness and straight-up no-nonsense talk. Thanks.

[@warlok363]

Personally, i paid off my mortgage in six years when i had a 3.75% on it after max retirement contributions. It was always better for me to take Standard Deduction. In Texas, you do have some benefits legally when you own your primary home outright. One thing if you get sued, they can't take your home. Just pay your taxes and HOA if you got one Anyone else can get bent.

[@MCC876]

If you are early in your mortgage paying $1,000 to principal will save you thousands of dollars in interest.

[@mmontes510]

Do the 13th payment strat and life gonna be much better

[@cheeto9]

You can also accomplish this by paying every 2 weeks instead of once per month

[@mmontes510]

Same thing if you divide your mortage by 12 and pay that much extra every month additionally to the principle

[@mmontes510]

Shave off 7 years at least with that minimum

[@godschild2-yd3jy]

I pay $800 towards principal monthly because interest is highest in the first 10 years.

[@Ncendrillon]

Class is in session. Thank you Brian

[@sharpshot6111]

We really appreciate the information and all your efforts. You are the man!!!

[@crruzzzer1]

Thanks so much for your no BS information and opinions. I so want a brand new car. I don't need it, I just want it. I have a good car already. Instead, I used my down payment to get a few bank CDs. I'll just wait for better times.

[@peacefulruler1]

Car market is crashing now…wait till October and you’ll save $$$

[@GNX157]

I wish I’d of known, id of told you to avoid cds at the moment until it looks like rates are going to break down. For right now doing some 28 day t bills thru treasury direct would have been better. 5.28% plus earnings are state tax free.

[@managingmonasmoula9811]

Yes, I’m in group # 1. Aggressively trying to pay off my mortgage too. My goal is to pay it off in 11 years and 1 month, by December 2026. My interest rate is 3.75%. Yes, current mortgage interest rates are so high, I cannot imagine paying! Yes, taxes and insurance have both gone up!

[@trisha1989]

We are in the same situation mine is November 2026. Good luck 🍀

[@milescreative4293]

Wow, I have a 2.25 APR 30 VA loan! I am truly blessed 😅

[@justmee9441]

Same at 2.8

[@bluecalleredlife8123]

The only optimistic thing that happened during covid, got my down from 3.1 to 2.5 cause of this. God bless

[@ronpagala7496]

1.875%

[@dcg590]

@@ronpagala7496me too 1.8 for 15 years which we got in 2021. We will pay it off about 14 payments early by applying principal payment every month as we go! House worth $600k right now. Can’t imagine in another 11 years when it’s paid for.

[@KK-ji9ur]

Felt like you were talking directly to me this video. Thanks! Love your logical, open approach.

[@captainedwardjsmith1640]

7% isnt high, but the home prices are.

[@Professor_Giggles]

As someone who’s in finance and toured homes, Brian is right on the money and always delivering facts 💯

[@anthonythevettedude8270]

I have a family member that sold there home and bought a double wide manufactured home for 60k and bought land and put it on.now they only pay taxes yearly

[@user-xj3ck5oy2x]

That’s our plan in the next 2 years!

[@anthonythevettedude8270]

@user-xj3ck5oy2x yes there's alot of people saying this same thing!ESPECIALLY IN FLORIDA

[@characterzero76]

I'm in the situation he first explained. I feel fortunate, but also trapped. I make about $10k more per year than I did three years ago, but somehow I have WAAAAAAY less money!

[@obrienfinancial]

2.34% and no credit card debt 🎉🎉

[@prasannagaikwad2349]

Hey Brian, thanks a lot for your advice, its crystal clear. For me buying a house is not an investment, it's a necessity, I will just buy when something comes that meets my requirements and something I can survive with and the follow your advice for category 2. Thanks again!

[@mainegreengrower4209]

You got it..just dont buy something over priced..i see alot of 30-40 yo buying 500-700k homes and working from home..its going to bite them in the ass eventually

[@Gwillis7]

Thanks for this Brian!!! Drop that knowledge 💪

[@Emerald_Acre_OH]

Thank you for the work you put into these videos!

[@anthonygreene562]

Thanks for the free advice. My purchase went through at 6.25 at the end of January. I'm thinking that I'm in a sweet spot since I'm paying ZERO property taxes and a less than $1500/yr homeowners insurance policy. I intend to be here around 8-10 years at max. I pulled the trigger on purchase after comparing my upcoming rent increase of over $2100 for a 3BR. And my mortgage is cheaper by $400 and I have the ability to get a mortgage interest tax break every year. Renting was totally out of the question for me.

[@heyitsbroski]

Group #1 represent!!! Tap that like button to show support for one another.

[@JanatCalifornia]

You’re still one of my favorite honest tax channels that I love watching

[@nedrawilliams9509]

Brian, thank you for keeping it real!

[@garrett3059]

Love the videos man concise and informative I hope you go far

[@navymed3]

10 months?!!!? I found the right home in 2 days, put in an offer, it was the first offer and it was on the market less than 2 weeks, I closed on it last week!

[@jaygold4467]

This is five star advice from a real professional. Bravo.

[@juystafanreview2532]

Your absolutely right. A lot of people's taxes become itemized because of interest expense. But really, it's not that much more than the standard deduction. Glad someone finally talked about that. You would need a 5%+ savings account interest to counteract a 4% mortgage in terms of breakeven because of that.

[@JennyJean.]

Thank you ❤ for all the work you do to make these videos

[@barrybarry8564]

Speaking of savings. Get treasury bills. I like the 4 week. Its like 5.28% AND no state income tax. Take advantage while theyre actually paying.

[@shaijuy1111]

Inflation is on top of roof.. today the gas price in LA California is over 5.10$/ gallon

[@evant3e]

It was more two years ago. Prices down

[@preciousgem6506]

Hey Brian! I bought a home 2 years ago. Multi family. Glad I made this decision . Interest rate was at 2.50% however I agreed to a 3% interest rate to avoid the PMI because I needed the 20% down and I only had 10% down payment. but avoided paying that crazy PMI. Thanks for all your help you are truly amazing. Yes! For those who do not know you do not need to pay for PMI even if you don’t put down the 20%. Avoided at all cost. It’s a killer. I saved over 75,000 for 30 years just because I avoided the PMI.

[@g8rayrr]

You never disappoint with your videos my guy. Very explanatory and understandable. I'm in the first boat (2.99% rate) over 200k in equity. I'm rooted in my house. Paid off house is the goal.

[@StrokePlay]

Thanks for the consistent uploads!

[@kouaher4045]

Always doing great work, Brian!

[@mmaranan]

I got 2.35% on mine. I was so happy I told 7 of my friends to refinance too, 5 families did, 1 tried but denied and the other 1 is regretting it terribly for not doing it.

[@iSeeTicks]

I grew up in an Asian household hearing cash is king. I can tell you that cash is no king. Please invest your $$$. And invest it smart.

[@Joseph52093]

Can't invest without money to invest

[@ScoobieDoo-zy1rh]

Put in high interest savings account

[@straightdrive6192]

you will realize in about 3 months why your household was right about cash,

[@ScoobieDoo-zy1rh]

@@straightdrive6192 6 months .

[@brucey5585]

​@ScoobieDoo-zy1rh 4% saving doesnt beat the 10% inflation yearly.

[@mniay]

To all the homeowners feeling good that they have equity, please be careful. What you have are "paper gains" and especially in the housing market, where the appraised value of your house is simply what a comparable home nearby sold for, your gains is built on a house of cards.

[@EJ84x]

4.5% interest rate....investing 30%, already have an emergency fund, no other debts, so putting everything else into the mortgage....im over it and want it gone

[@scottthompson3493]

I feel that, good luck!

[@kenyonbissett3512]

You will love the freedom that being mortgage free allows.

[@EJ84x]

@@kenyonbissett3512 Hoping to have it gone in the next year....two at most, can't wait

[@kenyonbissett3512]

@@EJ84x you won’t regret it. So many other doors seemed to open, endless possibilities. Just remember, it’s part of your journey not the journey.

[@desco7628]

Same here !

[@turntables3835]

Love how all the people bragging about their low mortgage rates are saying how they’re never going to sell their homes. Careful. Never say never. Life has a way of humbling you.

[@lexilexi8548]

If you were in that group I’m sure you would feel the same way lol 🤷🏾‍♀️

[@sharpie132]

The hate is real in this comment

[@jordandowland7256]

We never intend to sell, but yes jobs, death, and divorce do happen to some.

[@nofugs2458]

I already lost my job and got divorced. Unless I die, I’m never selling 😂

[@JJ-pl2tl]

Lol how to say youre jealous without saying youre jealous.

[@stephanieb6461]

Everything about this guy is golden ! Thank you ! Sincelery- an over stimulated mom

[@Clueless2019]

You are so-o-o GENEROUS with your expert knowledge...THANK YOU!🎉

[@flowerlee4727]

Fed needs to raise interest rate higher to correct real estate price instead of cutting interest rate.

[@miriamcollins7587]

I’m in category 1, and you absolutely nailed it. No, I haven’t hit the lottery, but the county tax assessor sure seems to think I have!! The more my house is “worth,” the more money they take from me every year 😂

[@hisword6772]

Thank you for your videos and for the good info you share. God bless.

[@kingcesar23]

My man Brian is the GOAT! 🐐 All this value he is giving at no cost is crazy!! Keep up the great work man. 💪🏼

[@Elmusiico]

No bs, straight forward advice. Good stuff

[@QwikSilva7]

Thank you, Brian. Have a great day!😊

[@JennyJean.]

I lived through the Great Recession too and was fresh out of college as well.