VLOG: apartment/money problems (can we still afford to live here?)

[@Jen-zk9se]

Go with your gut and DO NOT BUY BEFORE YOURE MARRIED, engaged at the very least.

[@mamarobyn]

PREACH!!!

[@madi-maui]

Don't buy! You don't want to get stuck in one place. Honestly, it's not a good idea. Follow your guts girl.

[@Lsh-ux1cl]

Agreed! If he can be committed into buy a home, then he should put a ring on it! lol

[@laurastr1]

Lsham319 RIGHT, Where is the ring?

[@jayt3796]

You dont need to be married to buy.. You're all crazy. It would be smart for them to buy and if they are Civil Adults and they split up they sell or one buys the other out.. Why throw your money away on rent. You can buy and sell just as easy as renting on yearly contracts. That whole Bullshit Clancy goes on about Losing money if you sell before 5 years is just that BULLSHIT.. Ive bought and sold 8 homes in the past 5 years and have Made $678,000 in profit.. Buying is the only way to make money in real estate and Clancy is looking at this all wrong.

[@leahbamxo]

i prefer REAL content versus hiding negativity and pretending everything is okay. what you are talking about isn't negative, it's just being real imo. but share what you're comfortable with!

[@ThePk7861]

She's such a cheapskate in an arrogant type of way. People should be generous.

[@Xoxoshei]

“I believe in guests sleeping in couches..just kidding” No Clancy, you’re not kidding 😂

[@LisaNicoleWyatt]

😂😂😂😂😂

[@DLM440]

Life with SJ & baby 🤣🤣🤣🤣🤣🤣🤣

[@yesnoxo7776]

Life with SJ & baby i don’t believe in guests staying at my house so I’m worse than her 😂 i believe in hotels 🏨

[@ThePk7861]

Cheapskate

[@kellyann5587]

I personally don't like people to stay over

[@Rebecca_Renae]

I’m only 3 minutes in... but NEGOTIATE with the company.... ask for a 10% increase and see what they say.

[@like.lauren]

Budget With Becky she did! :-) woot woot

[@Rebecca_Renae]

like lauren good!! Haven’t had a chance to finish the video :)

[@emilycgordon]

Screw 10%! Start way lower than you think they will ever accept. I work in real estate and you never know what a landlord will agree to in order to not have to go through finding a new tenant. I would say tell them you will absolutely renew at THE SAME rate and see what they say.

[@christinek.7512]

Are the other tenants getting the same increase or are you being targeted because you are on TV/KZbin?

[@rebeccahope5174]

Christine K. I’ve been working in property management for years and I can say doing this is super super super illegal. There’s a little thing called fair housing laws and I highly doubt her apartment community would break those laws.

[@breonawarren1507]

Luxuries aside, that’s a house payment for some. Tbh, I’d say screw the apartment and rent a town house

[@JC-qb2qj]

Breona Warren in Toronto that would be a steal, this would cost at least $2500 to rent. Considering they have at least 3 streams of income, I dont see how $1500 (which is covered by youtube alone) can be too much for them considering all the amenities etc

[@xotennisxgirlox]

Yeah that’s a pretty reasonable rate if you ask me. That’s what I pay for my apartment, myself alone, and it’s in the middle of nowhere.

[@DianVx]

I feel like cost of living is also a lot higher where she lives. The grocery shopping vlogs for example, damn

[@shannonjku4954]

A town house would probably be more, I live in Florida and have a two bed two bath apartment that’s $1900. We looked at town homes to rent and they started at $2400 a month in my area.

[@QueenKristiana]

Exactly! I pay $1295 for my beautiful, brand new 4 bedroom/ 2 bath house. I could not imagine paying that much for an apartment. Perks of living in TX, cost of living is so low!

[@JillianClairPrice]

The fact that they went from $250 more to $50 more really shows how much they're relying on people just accepting the rent increase! Good job laying down the law 🕺💃

[@acgillespie]

now if only we the american people would demand all our rights back stolen past 18 years..Government has been waiting very patiently..

[@bfunnygirl21934]

Jillian Price Its was $248 total not 500 but i get what you’re saying.

[@JillianClairPrice]

@@bfunnygirl21934 ah thats right! For some reason I thought she said "each" 😂 but still!

[@L1feWithEm]

It helps she is a town reporter! I wouldn't want her on my bad side "investigating" why I charge 15% rent increase!

[@CaptinHoot51]

It's only $228 more, not $250.

[@justinamoniz]

Having a partner who can send the tough emails/make the hard phone calls is so helpful. I was just remarking to my boyfriend the other night that he is so assertive on the phone and I'm jealous.

[@bryan1814]

Works both ways! Whenever the situation requires a more calm/nice person my gf does great! Lol I take care of the rest.

[@justinamoniz]

@@bryan1814 Excellent point! I'm the one who deals with costumer service people whenever it's a stressful situation!

[@KaliKali-hv9bt]

Justina Kenyon This is what I miss also about having a partner, someone who can fill in where I cannot, i.e., "tough emails/make the hard phone calls ". I"M SO JEALOUS TOO.

[@justinamoniz]

@@KaliKali-hv9bt I'm keeping my fingers crossed that you find the someone who fills in the spaces you can't ❤

[@KaliKali-hv9bt]

@@justinamoniz AWWWWW THANK YOU JUSTINA. I hope the same for you too!!!. You made my day xoxo.

[@amymcintyre9614]

No ring and marriage...no house together...you never know what is going to happen and you don’t want to get left holding financial baggage.

[@morganh1071]

I recommend against buying a house, especially when you don’t know where you’ll be in a few years location wise

[@therobinmasterstheory1636]

agree

[@sassysav6859]

Buying a house long term is a good investment but short term isn’t really a good investment. That’s usually a rule of thumb for most markets

[@travisjohn8151]

What about renting a house? My wife and i were in the same position and we found a house that was more than double the space for only $100 more than what we were paying for a two bedroom apartment

[@jenniferwagner1482]

Don’t buy a house with someone you are not married to. It’s hard enough when you are married. I did not buy a house until I was 37. Military life. There is no rush. Do it on your timeline not what you think the timeline is. ❤️

[@kevinaccettulla]

One thing people don’t always consider is that when you rent, you don’t have to worry about property taxes.

[@starrymidnight828]

Yes! Also, the luxury of when things break you have maintenance and usually don’t have to pay out of your own pocket. A few of my friends recently bought their first homes and the first major breakdowns they were financially responsible for were a huge wake up call.

[@miranda725]

that needs to be factored into the mortgage. Like dont make your budgeted mortgage 1,000 max and then add in taxes. its 1,000 with taxes a month

[@HaleyMary]

That's so true. My mom was telling me last summer not to own my own house, but to rent if I could because repairs in houses can be so expensive.

[@TheFruitarianQueen]

You're not being negative Clancy, you're just being REAL and I love that about you! 💁‍♀️

[@elizabethcheung6207]

I feel you. I feel rent is way too high these days.... it's real sad I want to go back in time, things were cheaper back in the day.

[@stephanieraymond4019]

First off, I'm early as hell. Second, we love a monetized queen. I got an ad for frozen brocolli and it just made so much sense on a Clancy video.😂😂

[@Ca_1021]

Stephanie Raymond lmao so true 😂😂😂🥦

[@violetbatuma]

🥦🥦🥦🥦

[@miab2793]

OMG Clancy on the roller coaster. Did I watch (listen) more than once? Absolutely.

[@ClancyBurkeX]

hahaha so embarrassing

[@teresajones5973]

If buying a car stresses you out, buying a house will scare the h-- out of you. Lol

[@ClancyBurkeX]

hahaha TRUE

[@trevilley]

Always look forward to the vlogs and when I’m feeling down I watch the older ones too. There is always something to learn from each other and clancey naturalness and empathy comes from the fact she has never forgotten her roots

[@catd315]

Literally no many how many times I see that clip of you on the Firehawk, I die laughing.

[@makennaneely7645]

I love that she talks about finances. This is real stuff that im sure no one really thinks about or talks about!

[@audrey5519]

Mortgages on houses are usually less per month than an apartment’s rent -- might be a good idea if you feel like your job might be relatively stable for a while.

[@barbaravyse660]

audrey lol news business is so not stable !

[@mkite715]

audrey only if you’re 100% debt free with a 3-6 month emergency fund and a good down payment. And you plan to be in the home at least five years. Learned all this from dave Ramsey.

[@jill9606]

Poor advice. What one pays monthly on rent vs. a mortgage is comparing two things that are not the same. There is so much more of a liability with owning a home and aside from all of this, she said she doesn’t have the money she wants to put down...

[@audrey5519]

@@jill9606 I understand the liability, but simply renting doesn’t really allow you to invest in your future. There are pros and cons to both. It wasn’t advice, I was just presenting a beneficial side to putting down on a house as opposed to shelling out the same amount every month with no end goal. Not telling anyone what to do.

[@ericaleungg]

I love how clancy talks so openly ab topics like this- I might be 14 but I’m so happy I get to be more aware and learn more ab the reality of “adulting”. It’s obviously not my main concern right now but I’m glad i know that these kinds of decisions need to be made when i’m older!

[@corytc5095]

Maybe Zac should just put a ring on it then 😅😂❤️

[@emilycgordon]

Cory Trae Chancy I have a feeling he will, he’s probably just waiting until the obligatory 2 years of dating mark 😂

[@coffeebeans89]

I love that you’re open about your financial struggles too and the thought process on why you don’t want a home. I love the transparency ❤️

[@ClancyBurkeX]

thank you for appreciating that! :)

[@rickycoker5830]

Buying a house is the smart thing to do Zac. But putting a ring on it first is smarter. Dude you hit the lottery with this young lady.lol

[@trevilley]

Aweeee Clancey so sorry to hear about your apartment but glad the stress has been eased. I think you made the right decision because in your industry there are always lots of job opportunities and being tied to a mortgage would be restricting. Really look forward to your vlogs:)

[@ClancyBurkeX]

thank you!!

[@akab3648]

You’re so inspirational! Your money-related video is the reason why I now am soo conscious of where my money goes. I have decent savings for the first time!

[@laurastr1]

Since you have two years left on your contract and you love your apartment I would definitely take the two year lease, great deal!

[@MelRTY]

She’s a 24 smart, powerful and independent woman. I’m 23 and wishing I had my shit together. You are amazing and your videos are so positive (even in the bad moments). You are a great role model!!

[@jayboll676]

Next video: “Zach and I Are getting married!”

[@emilycgordon]

First of all, we love an upload on a Friday!!! Woohoo! Secondly, I work in real estate, particularly in leasing apartments and property management. Contact your management company and tell them you WILL renew, but not for the additional 15%. The cost they will have to put into finding a new tenant and re-leasing your apartment will cost them way more than what they will lose by renegotiating your lease renewal. Most people don’t realize that you can haggle your rental amount and terms. Contact them right away and make them a new offer- with your guarantee of renewal! Tell them you will 100% renew if they give you the same rate (start lower than you think they will accept) and see what happens. Edit: I should have kept watching 😂 Next time, when negotiating don’t tell them you will be staying no matter what. You want to make them think you can and will leave unless they give you the rate you want. We always want lease renewals over having to find new tenants. You have more negotiating power in a lease renewal (vs leasing a new place), especially when you’re great tenants!

[@hydrobasil5020]

I'm telling you...Zac has a great way of explaining things without making you feel like an idiot. The way he handled this was great and I actually found it very useful information. I do not know how to have constructive conflict. I immediately go into crazy defense/panic mode. I think we should encourage him to do a segment. Like..."how to have a backbone with Mr. Zac Burke." Always glad to see you two.

[@ClancyBurkeX]

haha I love that idea -- Zac is the best!

[@KathrynW96]

Clancy- I’m 23 and just bought a house with my boyfriend. I also never envisioned homeownership before marriage however it’s been the best thing ever. We bought a home with good bones but needed a cosmetic facelift (new flooring- paint- changing out light switch and outlet covers) and did lots of the work ourselves. We have the perfect starter home with 3 bedrooms and a cute yard. Definitely not our forever home but I could totally see us starting our family here.🥰 And when it’s time to sell, we hope to make money with all the improvements we’ve done! 🙂

[@nicolems]

I can RELATE! I HATE rollercoasters, however, I LOVE working at amusement parks during the summer! haha

[@robynb1310]

Omg that rollercoaster scene had me dying 😂❤

[@mattdajedi]

I like how real you are Clancy! Love watching your vids.

[@briannalamb2192]

Fun fact: In Arkansas there are no laws that protect renters AT ALL. Makes it really fun to find something halfway decent and affordable.

[@SW-gk1wl]

I just wanted to tell you I enjoy watching your videos. Not quite a Cincinnatian, but I live close, in Middletown. I know it sounds stupid, but I get excited when I see you at, or going past places in the area. I could easily go to them, or drive past them myself, but seeing them on your channel makes it more thrilling. Best wishes.

[@ClancyBurkeX]

aww thank you for watching!! that doesn't sound stupid at all :)

[@alisonbowers]

The roller coaster part at the end 😂💀💀

[@intothemystic5223]

What's even funnier is she didn't know she was still live on TV. She thought it went back to the anchors when the ride started 😂

[@alisonbowers]

into the mystic hahaha 😂 that’s hilarious

[@intothemystic5223]

@@alisonbowers she talks about it in one of her bloopers videos. It's great lol

[@livkin2245]

I was reading your comment while watching the final five minutes of the video and trying to figure out how a conversation about a rollercoaster would possibly fit into the conversation her and Zac were having. Then I saw it... Let me tell you that I was not disappointed. 😂😂

[@henryzebere4598]

You know im sat here at 12am (lol 2 hrs before you wake up) wondering why I’ve been watching your videos for the past hour, but then I realized that everything is authentic and honest. Don’t stop being that which you are Clancy Burke.

[@sarahsmith1901]

$1540 is more than my mortgage for a 1600 sq ft house with an office and 3 car garage.. and a massive yard.. near austin, tx😳

[@xotennisxgirlox]

Sarah Smith Texas is one of the cheapest places to live. You can get a mansion in Texas for $300,000 but the pay there sucks and no one wants to live in Texas

[@nidhivaidya6485]

@@xotennisxgirlox No, Austin is actually quite expensive now because of how many people have moved here since. Also Texas is a great place to live, and seeing how many people are moving here clearly "no one wants to live in Texas" is false. Many companies are moving their headquarters to TX, and Texan cities are actually wonderful

[@kirsty2861]

Man wish I lived in Texas not London 😅

[@gottahavefaith2971]

Don’t move to Columbia SC place is a money pit!!! And the worst drivers in the country!!!

[@jill9606]

She also has peace of mind that you don’t have. She doesn’t have to pay for repairs and all the many things that can go wrong with a house like you and I do as homeowners.

[@barbaravyse660]

Don’t be in a hurry or feel pressured to buy. You are very young and upwardly mobile career wise. When I lived outside of DC, I was living in a small apartment at the very top of my budget. At the end of my first year , they wanted to increase my rent by something crazy like $300/month. I decided to rent a townhouse instead where my rent stayed the same for 3 years and then I moved back home to Florida. The downside is you usually have to pay 3 months upfront to move in.

[@atticus_the_skeleton6256]

They probably increased it that much hoping most renter would just deal with it. That’s also probably why they were open to negotiations, too.

[@samlopez2231]

It’s not a good idea to buy a house until you are married and debt free! When you do get a mortgage make sure it’s a 15 yr fixed where the monthly payment is no more than 1/4 of your take home pay! Good luck Clancy

[@marcelamascarenas6985]

We bought a townhome two years ago and just sold it. We actually got a good chunk of money back and we were able to put that as a down payment towards another house. I’m only 23 and have never rented an apartment! I highly suggest purchasing a home!

[@megantjelle9062]

Marcela Guardado agreed!

[@electricmoose9735]

owning a home is actually a pretty poor investment. all they do is empty your pockets. you pay for maintenance, insurance, taxes and interest. you don’t pay for any of those while renting except renters insurance which is far cheaper. also there’s plenty of hidden costs that come with home ownership. over time your house may increase in value but it’ll never be enough to offset the expenses you put into a house. i’d take my money that i’d use to buy a house and put it into stocks or bonds.

[@electricmoose9735]

Not another seahorse it’s pretty obvious you’ve never crunched the numbers of renting vs ownership on a home for a course of 20 year’s because you’d see one number bigger than the other.

[@andychrist1925]

Zack is the man!!! Hell yeah that successful negotiation got me excited!

[@alias11786]

Hey Clancey, My two cents is to stay where you are. That apartment is everything you want: extra room, good location for Zac and you, quiet neighbors and great amenities. Continue the negotiations but you may just have to "take a hit" and pay the extra. I do agree that you could be putting all that rent into a mortgage BUT your job is too uncertain and I agree with you that it is too risky to start a mortgage with someone you are not married to. Plus, imagine having the drama of trying to rent out/sell your house if your job requires you to move. It would be much easier to break a lease on an apartment then renting out a house.

[@debbiebrzozowski5259]

I am so glad you negotiated! I work in property management and send out the increases to our residents. Majority of the times when people ask we do work with them. Yay

[@laura9435]

“You win some (Clancy), you lose some” Clancy: “Oh King’s Island!” Clancy he was talking about you!! Lol. Love you guys!

[@paulinamoroz6758]

I am crying over the roller coaster clip. literally can't keep it together it was great

[@megpeiffer7690]

I pay $1500 to rent a 3 bedroom townhome with a bonus den upstairs and my city is the same size as Cincinnati. That’s crazy for a 1 bedroom for being in a smaller city!

[@megpeiffer7690]

Also, no shame for paying it obviously! Just that the market in cinci is that high. Crazy!

[@seadragon1456]

Holy crap!!! It hurts my heart when I see people pay that kind of money on something they don’t own. That’s more than my 4bd 2 ba 3 car garage home!! 😬 after taxes and insurance our payment comes out to be 1,250/mo

[@jennifercate8996]

You look so good TEN hours later. I wish my makeup still looked so flawless and fresh after that long.

[@teambeining]

This is why I bought a house after the first year of renting. It doesn’t mean you are “settling.” Buy a condo.

[@jill9606]

teambeining she already said she doesn’t have the money to buy right now... society pushes people into buying houses when they don’t have shit in their bank accounts.

[@mariemarieb3250]

teambeining she dose t have the money because I believe she just paid CASH for a brand new car! I mean who pays cash for a brand new car? Just sayin

[@jill9606]

Wendy V. She doesn’t have a down payment *on top* of her emergency fund. I would never, ever in a million years buy a house with no emergency fund in the bank!

[@ruthyburgos8474]

Dang 20ish minutes from work or less is good in my opinion. Lol that rollercoaster thing.

[@elvinhaha]

i rent a 4 bedroom house for $850, not even 10 mins from where you seem to live. i couldn’t imagine paying that much for an apartment.

[@sheilawarner9550]

Rent a house

[@elvinhaha]

Sheila Warner .... i do

[@allisonhubbard6617]

Katea Madden I live in California and pay $1835 for a one bedroom apartment

[@kathleenmaguirerourke]

I agree with you Clancy! Buying a home is special for marriage. If you rent in your early 20s it’s not that big of a deal to be “wasting money”. It’s also a time where you can grow your relationship with Zack without the stress and pressure of owning a home. You will look back on this time and be like remember the good old days when we first started dating and didn’t have as much responsibility!

[@mindyb7622]

Just a thought, I wonder if they saw your “what I spend in a week” video and see you have more money than what you are spending for rent. 🤔

[@nancyrosendahl5616]

Your makeup is so beautiful. Your look is so awesome! I love my pj’s when I get home.

[@jennifercate8996]

I canNOT wear regular clothes, especially jeans, in my house. The moment I walk into my house, the pants come OFF. IMMEDIATELY haha

[@dstarlette25]

Lmfao that roller coaster scene Always cracks me up!!!!!😭😭😭😭😭😭😭😭

[@gasperm3]

Its worse when you get told by mgmt you need to move out in 3 days to avoid an eviction lawsuit for something your roommate did that you had nothing to do with.

[@kmoy]

Good to know I'm not the only one who is groggy and sad after waking up lol. Not everything is rainbow and roses. It's good that you guys discuss things through and decide as a couple. I would also agree, save money for a nice house in an area you know you will be staying in. I also agree in putting more down to avoid PMI.

[@afhyoutube]

DO NOT BUY A HOME BEFORE YOU ARE MARRIED.

[@daisiesandazaleas]

Cátia I just don’t think it’s a great idea when there isn’t that much commitment. Granted there are people who don’t believe in marriage at all which is fine but it also screams commitment issues or financial issues to me imo. If people believe they can handle it go for it but be prepared in case things fall through whether it’s the relationship or something else.

[@eliza00]

Whew girl I see now why my family lives in NC. The cost of living is SO much cheaper than where you are. My boyfriend’s house (we don’t live together and he bought before we met) is a 3 bed room and 1 1/2 bath for less than $700 a month and it’s a nice house in a nice neighborhood. Definitely wouldn’t buy a whole house until you’re married/engaged and after you know where you’re going to be for a while. Love you guys!

[@237883]

Girl I just broke up with my boyfriend after living together for 3 years. Make sure where you end up living is somewhere you can afford on your own and definitely wait for marriage. I thought I was going to marry my guy and now we're separating and I'm SO GLAD I don't own property together or ever became domestic partners for the tax breaks.

[@lebronsstephdad4437]

True true

[@howaboutlaurenmai3126]

I totally understand your reservations about buying a house. My husband and I waited till we were married and 100% sure we wanted to live in our town for the foreseeable future before buying our home. Plus, we want a baby and having our own space will help with that. Also there are a lot of extra responsibilities with having a house. You have to mow, fertilize, keep up with the shrubs, snowblow/shovel in winter, and if something breaks it's on you to fix it. Buying a home should never be rushed if you can avoid it. XP

[@clairefrancesesthetics]

Oh my god I was crying laughing at the roller coaster part. I just wasn’t expecting it to happen and then that clip of you just screaming alone should be a meme. Omg. Instant tears and laughter. 😂

[@ClancyBurkeX]

hahaha worst/best experience ever!!

[@bdrury73]

You can negotiate your rent with your leasing manager! I’ve done it with multiple apartments. Corporate run ones too! You can also negotiate in a new appliance or a carpet cleaning if you have carpet with your re-sign

[@Hiphop618]

You can negotiate a lower rent increase! I've done that for the last 2 apartments I've lived in. Edit: I spoke too soon lol. Just got to the part where Zach sent an email to negotiate.

[@KLSCheer]

This happened to me too! They raised our rent 18% for a small 1 bedroom apartment in a “luxury” complex we thought it was ridiculous! We did end up moving and are paying the same amount we would’ve but now have a 3 bedroom house plus yard!

[@jeffwallace5447]

Clancy: “what do you think of the tv series - The Morning Show?” Did you watch it? Realistic? Opinion?

[@LivingFree207]

You are a smart young lady. I agree with renting one more year to see what happens. I personally would not do the 24 months only because too many things happen in 2 years in a young person's life and then you guys end up owning big time if you had to break that lease. 20% down for sure is a good idea and as you said you might have to move in 2 years. Just my 2 cents. Are you a Dave Ramsey fan? :) Great video!

[@danielasuarez9964]

She’s sooo real. That rent is way too much at my previous apartment I got a 3 bed 2 and a half bathroom for 1500.

[@allisonhubbard6617]

daniela Suarez I live in California and my one bedroom apartment is 1835

[@TheZombieCatalyst]

I live in Idaho and pay 710 for a 3 bed 1 bath and utilities usually run 86 in summer and 160 in summer. But it's really cheap here.

[@CaptinHoot51]

@@TheZombieCatalyst Do you mean winter for one of those numbers?

[@CaptinHoot51]

@@TheZombieCatalyst You're lucky!

[@TheZombieCatalyst]

@@CaptinHoot51 haha yes sorry! Winter is the 160. And only upside of Idaho!

[@hollyyaraskavitch9972]

Nothing makes my day like a Zac and Clancy vlog! Thanks for sharing

[@Thejennmachine]

Don’t kick yourself for buying a car, you needed a new reliable one.

[@Kpup]

Yeah I agree with other commenters - definitely negotiate with your rental company. Also, as far as home buying goes - you aren't NECESSARILY going to lose money if you sell a home before 5 years. And you don't have to buy it together. One of you could buy it and the other could split the mortgage as rent! In a market like Cincinnati, where it's a seller's market, the old idea that you would lose money is not true. You could actually make money, especially if you put some work into it while you live there.

[@JessicaMillerNashville]

You're smart not to buy a home before marriage. Definitely get married first!

[@Shnooosan]

on behalf of your subscribers, thank you from the bottom of my heart for keeping the rollercoaster clip in at the end 😂👏🏽

[@mikeejoybaldonado6898]

YOUR CONFEDENCE LEVEL 100 🔥

[@christieclark2551]

that rollercoaster clip had me crying LOL! it was like your internal reaction when you saw the initial email with the rent increase

[@14Mlast14X3]

Definitely emphasizing the fact that it’s a bad bad bad idea to sign for a house with someone you’re not even married to yet. Go with your gut!

[@sophies.8213]

Cooking chicken and watching your vlog, true Clancy fashion. I’m glad that you got your apartment rent stuff all sorted out!! Love your vlogs and personality🥰

[@ClancyBurkeX]

haha chicken for life! thank you! :)

[@limitedcagunowner]

For you young kids PMI is private mortgage insurance

[@mich3llepacheco]

Oh my god. The end with the roller coaster clip caught me so off guard and I cried laughing.

[@hellokaytee03]

I’m definitely the opposite lol. I’ve never lived in an apartment and bought my first house at 22 years old.

[@plp103084]

I am at Kings Island every single spring with family ! !!!! LOOOOOVE IT Lost so much weight just to go on the coasters with no worries of not fitting LOL The scream you did on the Fire Hawk (RIP *Sad Face* I did that exact scream when you showed Kings Island HAHAHA

[@ashleyscout4848]

I live in Toronto and that place would be a serious steal, even with the rent increase. It’s all relative though and I’m sorry about your situation!

[@HXLIASMR]

ashley scout Just left Toronto after 10 years living there due to the insanity.

[@ashleyscout4848]

@@HXLIASMR I don't blame you! It is getting seriously out of hand

[@hollyreed5024]

I absolutely love your videos. It is so funny because when you first popped up in my feed I kept thinking you looked so familiar to me and could place you but then I realize that you used to be on my local Fox 45. Just literally made my day. My husband and I were the same way my mom had always instilled in me that you should wait till marriage to move in with someone and I thought that way too but then after I lived with my husband before we were married I feel like now I'm more of an advocate for living together before marriage because you really get to know someone without the legal commitment and it's just good to get to know them better. Also we were the same way and I always recommend that you get a bedroom and a bonus room if you can because it is so much cheaper and gives you some needed space without being more of a financial burden like a two bedroom. The funny part though is that are bonus room ended up being my husband's little space like a man cave.

[@sinobix]

I LAUGHED SO HARD AT THE ROLLER COASTER CLIP

[@bunnyfireball]

I bought my condo in LA when I was 24 which was 5 years ago. I only put 5% down but you can take a slightly higher interest rate without taking the PMI and that was surprisingly a lower monthly payment than paying for PMI separately. I refinanced this year for a very low rate (and no more PMI since the value went up) and my mortgage for a 2 bedroom condo in LA is now less than your rent in Cincinnati! Owning a house is very doable and a great investment because the value will go up over time and if you sell, it can help you with your downpayment of your dream home later :)

[@jeffancelet7366]

You're very wise Clancy. Buying a home with someone you're not married to means you have no protection if a breakup occurs. And long-distance renting a house is also a bad idea.

[@jamienelms1914]

You don’t need to put 20% down on a place. Especially if you consider what the mortgage loan cap is in the area you want to buy vs what you can afford. You can get an 80/10/10 loan or if you put 5-10% down, you don’t pay mortgage insurance and can put that extra savings towards your mortgage. You can also refinance and make double payments each month to shorten the loan length. Where I live, mortgage loans are capped around $780k but most home go above $1.1 mil. So the amount you put down would vary and most people here definitely do the 80/10/10 route. Sometimes 90/10.

[@reillywalters257]

I love how she does her makeup it’s so dewy without looking greasy or sweaty and I can never get mine to look that good.

[@juliasmialek9989]

That clip of you riding the roller coaster kills me. Also, I feel you on the house buying. My hubs and I just moved to Cincy for his work (we're in Kings Mills) and we just found an awesome townhouse for $1250 a month that's literally double the size of what we had in Southern California. This place was almost too good to be true after looking at stuff around Cincinnati that was smaller and way more expensive than what we found.

[@ganjakittymrow]

Omg love the roller coaster clip. Crying. Have a good day Clancy haha :)

[@xkristixx]

Sometimes renting a house or townhome is cheaper than apartments. It obviously depends on where you live, but when you have to move to the DC metro area, EVERY property is expensive to rent. Our rental home is about the same price as some townhomes we looked at and we have a yard for our dog, which was really important to us.

[@whysabby]

YES ZACH IS A REAL ONE

[@mysticalwolfakela4131]

It's a beautiful apartment. Just a little high on rent but it's nice it includes a pool and gym. Don't settle for a house. You do you and the right home will come along once you are ready.

[@Rebeccap2632]

You should do a video on what it's like for Zach having a girlfriend with your career

[@ashleywest3387]

I love you and your vlogs I could watch your vlogs all day which I cant say about many people haha. You're so genuine and honest and sweet and you and Zach are so cute together you're perfect for eachother. We had the same thing happen to us our landlord raised our rent $350 and in the end we decided to buy our first home and it has been incredible. But I've been with my hubby 10 years and married for 2 and I also was someone who wanted to save home buying for marriage so thats what we did we bought our house a year after we got married and we are so happy we did it. Good luck with everything and keep up the good work!

[@ClancyBurkeX]

Thank you so much!! (And omg $350 is crazy!!)