How Much House Can You Actually Afford (By Salary)

[@VehicleLivesMatter]

Using the 50/20/30 rule I calculated I could afford 200$/month on rent. Yay.

[@lucaspm98]

I mean, is it a surprise you can’t afford rent if you’re working roughly 10 hours a week at minimum wage?

[@TryABaconSlice]

Do you work at a lemonade stand?

[@firedup692]

If you have no qualms about living inside the garden shed or in a garden tent, then many doors are open to you.

[@gravity-zero2917]

U not alone, had to combine income with my brothers...smh.

[@discorabbit]

Go home with that 10% s&p 500 number. We’ll average 5-7% for the next 10 years.

[@jaketorpepper-king3930]

take home pay is the only thing that should be considered

[@guhreenskittles]

But state taxes, withholdings and pre- tax contributions to HSA and 401k can differ from person to person

[@holliwood972lilh]

@@guhreenskittles I think thats why he mentioned only considering take home pay. Your gross could look great. But all of your taxes, contributions, benefits, etc. can drastically lower your available income

[@takarahayashi4124]

as someone who was born and raised in the bronx, the best financial I and my family ever did, was to leave NY.

[@jwat3217]

I’ve always wondered why people don’t leave (i stay in a smaller city not as expensive) but on the outside looking in it just seems like you could save and move and buy something with much better bang for buck.

[@marcelrodriguez2067]

I live in the BX right now but its jist not that easy. I dont work remote and finding a job that pays just as good in a cheaper state might not be possible.

[@marcelrodriguez2067]

​@jwat3217 but you might not find a job that pays the same in a cheaper state.

[@JWEATHERSBY]

I've seen a ton of these "How much house can you afford?" videos lately (all praise the algorithm - LOL), and this was by far the most thorough of the bunch. Great job breaking down options , discussing cost considerations, and making actual actionable suggestions for people at the end! If I have any friends house hunting for a first home - I'll be sure to kick them this one.

[@IamR3D88]

Median income is usually gross though. There is no way someone making 70k can afford 2900 in rent.

[@lancegordon5492]

It is definitely possible just very uncomfortable if you are living like you are netting ~6k a month

[@IamR3D88]

@@lancegordon5492 may be possible NET, but again, the averages they give are gross. 50% net is tough, 50% gross is basically impossible. Heck, I don't even bring home 50% gross after taxes, insurance, and 401k.

[@thememe6131]

I feel like no matter what in todays world its a lose lose situation unless u bought few houses many years ago.... good video 💯

[@penguingobrrbrr353]

True... imagine owning 10 properties and you have no debt... UHHH a dream.

[@zuzanazuscinova5209]

​@@penguingobrrbrr353no because you need cash flow for maintenance which costs A LOT.

[@coya8coy]

Shoot, even people who bought cheap are now dealing with insane property taxes and insurance they can’t afford… Property tax is a joke and ensures you are paying some form of rent one way or another…

[@eliot5220]

@@penguingobrrbrr353 I just bought one for cash and the other 2 that I have are leveraged 50% . Renting is a short term solution. All my friends say it’s cheaper to rent because they can’t afford to buy. That doesn’t mean it’s cheaper to rent it just means they are choosing to live above their means to justify living in an expensive town or neighborhood. That’s my argument because I’m an owner and they are renting and they pay 3000$ a month from their job and I pay $0 from my job and I own 5 houses . They’ve spent $500,000 in rent already and on their way to 750,000$ . They still say renting is better than owning. Soon they will have spent $1 million in rent and if a month goes by and something goes wrong they can get evicted and I will be a millionaire without the chance of eviction because I can’t be evicted from property I own. Simply because I picked ownership over renting in CA.

[@benjiebarker]

4:29 did you mention that rent increases every year by $100-400. how much will that effect the decision to buy and sell?

[@lucaspm98]

Where did you get that number from? Average yearly rent increase has been 8% over the past 40 years, and most/all rent vs. buy calculators factor this in.

[@benjiebarker]

@@lucaspm98 my house rent was $1800 last year, now its $2000

[@lucaspm98]

@@benjiebarker then your increase was (slightly) above the national average. That could be due to your local area being hot, your old rent being below market, or your landlord increasing beyond market rates and hoping it was too much effort for you to move.

[@alicia_nicole]

My rent has been $1800 since January 2022 in Metro Atlanta.

[@apple1231230]

Huge mistake at 8:34 No, you can thank housing prices being in an unsustainable bubble. PRICE is just as if not more important than interest rates! Idk why no one seems to grasp that the underlying sticker price of a house matters just as much if not significantly more than your monthly payments. If all you do is look at monthly payments you’re setting yourself up for failure.

[@maxime_vhw]

One ill never get is 'selling for more'. Like yes, but then your homeless. Other house prices went up aswell so does it matter?

[@dinokknd]

You basically buy something cheaper, i.e. smaller, or move to another area with lower prices.

[@CleverCheetah]

Yep people most likely have to keep their home

[@maxime_vhw]

@@dinokknd Yea but people ussualy tend to want to sell to upgrade

[@bradleywhite6815]

you sell to upgrade in order to see larger returns by realizing the appreciation of your asset. Not all homes appreciate at the same rate and the value declines the more the home gains in age or requires repair. This is depending on the area you live in.

[@maxime_vhw]

@@bradleywhite6815 yes but if your looking to 'upgrade' you wont be looking at those houses in 'worse' condition. Unless you ofc buy fixerupers

[@davidknightx]

Personal financial expert here. He kinda glossed over something VERY important. That 50% living from the 50/30/20 rule...that's everything required to live AND work. This includes rent/mortgage, everything required to rent (electric, water, etc.), food, all medical costs, all transportation to and from work (the TCO of a car is INSANE). That 30% is just too high because, simple math tells you, that just leaves 20% to cover everything except rent/mortgage. Seriously, do ANY of you think it will? No, of course not. I honestly think it's better to just divide your income into quarters and make rent/mortgage 25% MAX. But depending on your medical needs (#1 bankruptcy is medical) and transportation costs (cars are EXPENSIVE), don't be afraid to drop it even lower. The truth is, no one, and I do mean no one, in the service sector can afford rent/mortgage without multiple roommates. Period. And you certainly can't afford kids.

[@jacobscott9732]

Based on that math, you could make $150k a year and still be wrong to buy a house that fits you and your two kids. Houses are tough.

[@NoRegertsHere]

@@jacobscott9732save a bigger deposit

[@coya8coy]

Yeah, I’ve heard others say try and keep housing below 25% of take home. Not an easy task to do solo.

[@NoRegertsHere]

@@coya8coy needs a bigger deposit, a longer commute, a smaller place or apartment or a combo of all

[@stocksxbondage]

Agreed. There’s a very simple conclusion to draw from all this. Only the wealthy can afford homes in a moderate/high interest environment. The ONLY time the middle class can get in is when interest rates are closer to the avg inflation rate of about 2-3%. Most can afford a 300k home, but not if the institution charges 400k in interest over the life of the loan and most can’t afford to overpay enough to put a dent in the interest. The best thing you can do is saving and invest for years and years until mortgage rates are closer to maybe 4%. With national home appreciation at about 3.5%, buying a house to live in isn’t a great investment anymore. Investing over years may give the typical American the ability to catch up to home prices as stocks appreciate far beyond real estate, then pull the trigger when interest rates are low again. Sadly, the typical American doesn’t even have a taxable brokerage acct in the first place or know how to use it.

[@JustMessinJ09]

Great video. Haven't seen the logic of buying vs renting broken down so well. So important to understand in today's economy. I don't live in such an expensive area, so the difference between buying and renting isn't so great. It is cheaper to rent, but because I have two large dogs often dealing with breed restrictions makes it more economical and frankly easier to just buy. So as you stated, it depends on your needs.

[@nathananderson8720]

This is one of the channels that gave me the courage to start my KZbin channel 10 months ago about self development. Now I have 1,878 subs and > 2k hours of watch time. I know it’s not comparable with others but I’m still proud I started because I’ve been learning so many lessons that I could haven’t learned without getting started in the 1st place.

[@cachondorider]

I'll just die on the Walmart floor. 😢

[@LyssieLysse]

Yeah…Until I get 2-3 more raises, I won’t be buying or renting anything right now. I went to a bank and a private lender and they’re telling me 2 different numbers, both of which sounds outrageous. I’m planning on becoming a nomad at this point.

[@jacobmurray3621]

This is why having a working spouse is almost a necessity. Unless you are happy with not having all the extras most people in the US have

[@napoleon2564]

Poverty mindset

[@SchnippSchnappShnappi]

Plus 0 kids of course

[@bradleywhite6815]

The one thing that is missing from this is that the landlord can and will increase the rent to market levels.

[@AryaStarkTheExplorer]

You need to put down about 20-50% down payment so it brings the monthly mortgage payment down or you can pay a fee to lower the interest rate.

[@ozzyngcsu]

Where are you getting that the median US income is $70k? It's closer to half that considering the median household income is $72k or so

[@davelk1995]

He said The median salary not the medium income.

[@delayedgratification581]

No number running is needed for NYC. Rent always makes more financial sense, forever.

[@OveranalyzingEverything]

Are these net or gross incomes? Cuz 70k gross vs net is a huge difference

[@magpie_girl3741]

It's about gross incomes. (7:08)

[@Donkeyearsa]

When you calculate to rent or to own you need to make sure you are compairing apples to apples and not apples to oranges. Renting a 900 square foot two bedroom one bath apartment with a carport a thousand feet away from your front door is not the same as owning a 2,000 square foot three bedroom two bath house with a two car attached garage. I have seen it thousands of times from pro renters comparing a $3,000 mortgaged house to a $1,200 a month apartment. Where the house and apartment are as described above.

[@vitran4141]

Yes blame interest rate and not everyone trying to make money off homes

[@kiethd83]

Probably needed to include the fact that purchasing locks you in to a forever price whereas rent can go up every year to the moon like it has the past 3 years.

[@rockeye]

How TF is anyone going to save 30% for a down payment?!

[@vasu9760]

@TheLusianPopa😂

[@lucaspm98]

With the 20% of your income you should be saving/investing?

[@elingedgar]

Do not eat avocado. Done!

[@valeria-militiamessalina5672]

Lifestyle adjustments.

[@mrxiong2567]

Would had been a great video... but unfortunately, nobody could afford to buy a home now because they too damn expensive

[@timberwolfe1645]

I only have student debt of 300 a month left, which is the ONLY REASON my credit is holding strong, have no other debts....but in California, I can afford anything. Found a cheap CHEAP place to live but how to save 60k ANYWHWRE without being married is Beyond impossible nowadays

[@valeria-militiamessalina5672]

Leave the country.

[@bigdarshman]

Good video sir, just wanted to clarify though. The S&P has a 10% year over year return. Meaning that with dividends and profits reinvested you can expect something close to that. Without the reinvestments you’re looking at closer to 6%

[@EatonZ26]

You forget to mention that mortgages (along with student loans) are the only two major types of debt that you can get which the gov subsidizes. 20% down means you are borrowing 80% on an investment. If you try doing that in the stock market the best you can borrow at is probably 50% and the interest rate is a lot higher.

[@blubastud]

8:36 I thought rising interest rates face borrowing MORE expensive not LESS.

[@kanobiimorris7935]

I see people try to make the rent vs buy argument all the time. And they ALL leave out the fact that rents increase way faster than a mortgage payment. About 5 to 6% a year. Even if renting is cheaper today, check the numbers again on those same properties in 3 years. And dont forget equity.....

[@jamesbowen2258]

This is only ever true for fairly limited periods of time. Otherwise, we would see ever-increasing cashflow for rental properties. The reality is that in most markets the opposite has been true.

[@hoobajoobascooba]

Thanks for offering various perspectives on assessing home affordability. Very useful to think through these things before, as you point out, making what will likely be the biggest expense/investment most of us will make in our lives. Regarding the Investment Return on housing over time, I'm curious what time horizon you are using? I'm on the West coast of Canada which is one region where, depending on time horizon, the rate of return could be argued to be at least 15%-20% PA (with a shorter time horizon, i.e. 5-years, though not so much over the past year). Not saying those are reasonable returns to expect, but the selected time horizon does have an impact. I'm guessing the time horizon used in the video may be around at least 25-30 years?

[@steve12.]

8:40 Dont you mean go up?

[@kkd3973]

Love how you broke this down!

[@benjiebarker]

where does the 22% for tax go for self employed? or is the 50-30-20 after taxes?

[@lprice5583]

After taxes.

[@benjiebarker]

@@lprice5583 man...that sucks

[@ThereseDavidson]

Interest is the biggest issue for me right now owning…

[@VanillaButtercreamFrosting]

Yes but rent can go wildly up each year where a mortgage payment will stay the same. I am trying to make this decision in a few months when I move back to Ohio. I really hate renting.

[@SMerlin92]

1:12 rent also goes up

[@Tyler746]

I hate when they that crap of “rent stays the same”. Have you NEVER heard people complain saying that their rent goes up sometimes every year?

[@joefunk76]

$700k home on $185k income is doable but pretty aggressive. Mortgage alone will be ~$3,700. Add ~$1,000 (if not much more) if in high property tax state. Another $100-$200 for HOA. And $500 for homeowner’s insurance. That’s well over $5k. 😅

[@masonr1666]

For buying a house, I think the best advice I have heard is you need to have an emergency fund + a down payment. If you don't have these, you can't afford to buy a house. Also, it is recommended that you are out of debt before your buy a house. By logical extension, if you can't afford to buy a house, you can't afford to buy furniture, or other household items. If you can't afford a house, then you need to increase your income until you can. Also, roommates are away to increase your income.

[@flauze]

The music in this video is SO GOOD !!

[@cmdonnie1445]

Really not understanding how you worked out maintanace, fees, taxes & insurance costing $72k per year

[@erikreid603]

If possible you should save more than 20%. Even if you’re a little uncomfortable it’ll help in the long run.

[@tommyx8199]

Fall in love with a house, buy the house, raise a family in the house, pass the house on to your children. Who cares what the equity is. Fortify a place to live for future generations

[@felicityatkinson5446]

I need to know where I can get that mouse

[@Eightohh4tosevenfive7]

25-35 percent of ya take home pay I'd never suggest over 35 percent and would suggest closer to 30 if its not going to be your forever home

[@10leomessi]

50/30/20 works well, but i would adjust it to your personal net income. I make slightly above the median example in this video and i would not feel comfortable getting a $260k mortgage based on my net. I understand i wouldnt get much but i dont need much as im single and have no kids, just working on my emergency funds and down payment funds at the moment.

[@jeremyperkins1890]

Is it possible that terms like Median, average, etc. all don’t tell the full story and throw all of us off a bit? At the end of the day, this decision is so personal to us and all variables and factors that we have going on in our life. What is important is the model and learning how we can determine what works for us. There is no one size fits all, we have to run the numbers ourselves and choose what we want and make our salary work for us.

[@Lolatyou332]

New York home prices are already massively inflated.. To think you are just going to continue to get 6% ROI is just not realistic.. There is also already a huge vacancy rate in NY

[@AnaViolinViola]

In general, it’s impossible to buy an average house on a lower income…just saying! Then what? Don’t deceive yourself and buy a small flat…in the end of the day, it’s better to live small than be homeless. Renting is not comfortable for everyone, some of us need more security

[@NoRegertsHere]

Can increase income too

[@AnaViolinViola]

@@NoRegertsHere not everyone can do that.. but still everyone needs a home

[@user-bhatt]

3x income buys you: California -> Cardboard box(if you’re lucky) Colorado -> A nice home🏡 Louisiana-> Mansion + State politician 😂😂

[@rippleyaliens8275]

Single dads..= DON'T even fantasize about buying a hosue, until AFTER your youngest child.. hits 18..

[@SuzanneU]

The same is true for single moms.

[@rippleyaliens8275]

@@SuzanneU actually.. IT inflates a single moms, income. ChildSupport is already taxed, ghost money. So it is income, that doesn't need to be stated. YET it offsets a single moms income. Makes her look like she has more $$$ than she truly has.~ Not a hater. Just witnessing it.~E-SERE.. The most intensive training known to man. 18yrs (min), of living without 40-45% of your net income. ~makes buying a house, easypeasy when complete. Unfortunately, it pulls the plug on single moms. ITS like having a job for 18years, getting $1000 a month.. TAX free.. then BOOOM.. It stops. *worst thing I have ever done to a woman.

[@RhettReisman]

70k is the median household income not the median income

[@A.C.E.]

50% should be looked as the absolute maximum. Always try to get away with less

[@FlansyLinny]

I’m just going to inherit my mom’s condo, I can’t afford a house on 50k in my area.

[@DiFinni]

Hmm, many times owning will have you paying a lot more than renting. If you want to keep the house for many years, then buy and stay in it. If just a few years, rent, rent. Think of all the extra things you will pay for when you own a house. $$$

[@nathanadamson9]

Whole Foods or Trader Joe’s? I can afford walmart

[@brandonlagrange5307]

Doesn't take into account your landlord can sell in many markets at any time THEY want.

[@JamesDecker7]

The secret sauce: eventually get a job paying >100k and have saved up 20% down. I finally did this after paying off the debt from medical school😂. Too bad I didn’t pick a better paying specialty😅

[@jerry-r-4067]

bro as a doctor you can earn 300k, or even 500k, 700k a year. You’re significantly richer than most

[@wynterj6616]

Holy shit new yours expensive. Me and my roommates have a 5 bedroom house with a garage and storage shed for 1500 a month

[@fixedincome008]

That’s a lot of work and I’ve done that for giggles. I have no desire to own a home.

[@jcfh19981]

You “own” your house when you no longer owe the bank.

[@cmleibenguth]

As someone from Louisiana, can confirm the Louisiana joke on buying a larger house and politician with that high income 😝

[@TheDjelements]

716k for a house thats a hard NO

[@captainlandyacht1328]

Why live in a place like this? It just doesn't make financial sense to me.

[@siobahnhurley85]

Median price for a home is $350,000, and going up. Housing supply is at a deficit, materials have gotten more expensive, (supposedly by chain issues), made building anything of lower value undesirable.

[@NoRegertsHere]

First home buyers aren’t generally buying the median. They are buying lower end

[@silferbuu86]

Where I am, 350k is extremely cheap for a home. The median price is 700k - 1.2m

[@siobahnhurley85]

@@NoRegertsHere That’s the point. There isn’t anything for them to buy anymore.

[@siobahnhurley85]

@@silferbuu86 Where I am, It’s probably closer $300k but still too high for a first time buyer.

[@workertotraderjourney9007]

I'd find a home builder who pays a great dividend and get the dividend to pay my mortgage for over 30 years.

[@John.Paulis]

Basically boys and girls, just invest your money in the s and p 500.

[@FellTheSky]

The thing that surprises me the most, is that nobody is investigating why is so difficult to get land to build. We just know that is "expensive" and that you need like an "special team" of lawyers to get the permits. Which can cost hundreds of thousands of dollars (and in many cases millions). Why is that? We've been building houses for thousands of years. Why is so difficult to get the permit? Everybody just takes for granted that the government is doing something useful there. How so? Why nobody investigates that?

[@respinoza89]

Whole Foods and Trader Joe’s?? lol they’re almost at the same level. It should be Whole Foods or Walmart / Kroger

[@eliot5220]

Why do you guys keep comparing buying a house to an investment . You need somewhere to live whether you’re rich or poor. The real way to decide is to first understand that your housing needs are based on how long you plan on living. Do you plan on living outdoors a part of your life or all of it indoors. Ok got that figured out. Now when do you plan on dying next year , 5 years , 10 years or 40 years. Ok got that figured so you confess that you need a place for 40 years or so with a roof. Now find the most cost effective way of achieving that and it’s not renting. $30,000 rent a year for 40 years is 1.2million not counting inflation. You don’t need a 1.2 million house you can get one for 2-300,000 all day long.

[@misero6130]

That got dark quick

[@Calz3n]

790000 is a rundown shack? Yeah I wouldn’t buy in NY either lol

[@SquidInkPasta]

Yay I can afford a cardboard box 📦 🙌🏼

[@vanillabean5019]

I live on the coast and people are renting out a shed in their backyard for $1500 or 1 bed 1 bath for $1800. It was cheaper for us to buy a place even with costs of maintenance. However everyone’s situation is different.

[@TryABaconSlice]

I think you fail to give enough weight to the leverage realestate provides. With a 20% deposit you can leverage $100,000 into q $500,000 asset at an interest rate of say 4 - 5%. Now if this appreciates at 6% pa. And you continue to pay down the underlying over time, you see much more appreciation at 6%pa on $500,000 than 10% pa. on $100,000 as with the S&P500. You end up with ~2.5million dollars in equity on the house and ~400k equity in the S&P over a 30 year period respectively. Obviously there are more factors at play including interest, but home equity compounds while interest on your home loan does not

[@DanPocketRocket]

Its easier to HODL a house than the S&P lol.

[@bamffatboi5526]

$70k median is not correct

[@MetricZero]

It is better to buy in all situations. Period. Being an owner means no matter the state of the property it retains its value, while renting is throwing money away. You'll be paying rent in the form of taxes, which you'd be paying anyway. It is always better to own if you can own, even if it's a tiny house. It retains equity, it can be rented out, or later developed to increase value even more. Do not rent, it's a scam. There are more empty houses than there are homeless people in America.

[@reformukisthefuture]

This is weird. Rent is an absolute 100% loss. Are you trying to inform on, rent, buying or invest. This feels like an all-in-1 restaurant that does everything bad. It is case of rent because you have no choice and buy as soon as you can. The 5% who don't have to do this in that order are gentrified wealth from family. Investing is on odd thing being pedalled, small gains but risk losing everything that nobodyever mentions and it's very disingenuous. Rent, mortgage (not bought until fully paid off likely in old age). Invest small if you must, which is about everybody maximum ceiling because why risk losing small gains in a savings account where you only ever lose the interest costs and tases in your interest gains. None of us have purchasing power unless gentrified wealth.

[@CleverCheetah]

As if most of us have a choice whether to buy or rent 😂

[@Rex_Cosmos]

Anyone paying more than $2000 for rent in NYC is rich

[@rivcogent]

Great video, but Curious as to why you mentioned 7.15 as seven point fifteen instead of seven point one five. That’s a math no-no.

[@napoleon2564]

All of this is all very midwit tier analysis. I’m not searching “how to afford a house,” because I can’t do arithmetic. I’m searching that because, according to various rules of thumb I will never be able to purchase a house and am looking for creative solutions.

[@jameschagnon2710]

I just got dumber watching this video

[@mrcalderon93]

714,000 for a home in NY lol that’s disgusting

[@zacharythatcher7328]

These rent calculations are way off. Most people are getting taxed at between 30 and 40 percent, so spending 50% on rent leaves you with 10%. This is insane. You will develop a nutrition deficiency. Do not do this. Do 50% of take-home pay.

[@eliot5220]

Who said you have to get a mortgage? I’ve never paid rent in my life and I don’t pay for housing out of my job. I have Several houses as a landlord so I don’t have housing cost . So the only thing I calculate is taxes because that’s the only thing that matters. The income from the tenants covers all expenses. The only calculation that matters is taxes more than rent? In most cases no unless your taxes are 40,000year. That calculation of investment to rent is if you plan on dying soon. How do you compare $0 to 25,000-40,000 year renting? I still have a job so I can invest 2500 a month because I have no housing cost. I work for money so everything I do has to count. I don’t live in high cost areas because that’s stupid. I will just wait until I’m a millionaire from living in a low cost area. My house is 25% of my income.

[@metaltyphoon]

Why does an object that needs repairs over time, much like a car, appreciate over time? This is the problem.

[@Muralath]

7% interest rate? That’s a high interest rate. It’s only 3% in Thailand.

[@michaelsomething7674]

And of course you did not include married couple. And of course you didnt include childcare.

[@michaelsomething7674]

Here is a tip. OPM and OPT. I want a house. Think how to get other people money or other people time to get what you want.

[@annabarr1304]

None of these guys do, it's very annoying like I can't cut costs on childcare, lunches, and transport when I'm at the minimum.

[@FadiGamingRP]

I use the 100/100 calculation, i save 100% of my income and have my wife pay 100% of my bills 😂

[@Paul665]

thinking of a house as in investment is a fools errrand

[@loosemoose5217]

yea this thinking is kinda dumb, you dont get anything out of your house until you sell it.... in which you will need to purchase a place now since you just sold the place you lived in, a personal living dwelling is not an investment unless you are renting a room or something along those lines

[@marcelrodriguez2067]

Lmao my parents bought a 3 family house in 2007 a year before the market crash for 420k. Today that house is worth 1.1M paid off and most of it due to the 2 tenants that where renting the 2 floors above us. It is absolutely a good investment if you arent an idiot.

[@smokeleal]

I dont know, dudes. I think crypto and all these ICOs are just a bubble. Well, crypto is good for transfers and so on, but I dont engage in trading and staking either. Its too risky. My friend recently lost $5000 there. I invest crypto in real business

[@WhatAreColors]

it doesn't seem that big of a deal considering the video says yes just make sure you dont pay over 4000usd a month for rent.

[@pooperscooper145]

Vincent - can you please link to that calculator you were using? Seems like it was from New York Times?

[@oliverdaniels1168]

Ppl

[@danieleduardosotobarrera3680]

185k a month... Who?

[@oliverallen5324]

6% per year is a joke lol

[@mreit28]

I like the social engineering pandering to the woke masses with making sure a female name was given the highest salary😂

[@Step1-go]

2nd😉

[@GoddessKelly]

Please stop sharing videos with rats in them. It's very triggering!

[@noobrange99]

First😂