WE BOUGHT A HOUSE!!! | May 2024 Beers & Budgeting

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The moment we've been waiting for has finally arrived! Tune into this month's episode where we dish on our very first home purchase!!! I can't believe we finally did it!
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[@DebtFreeMillennials]

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[@ccccccchhhhhh808]

I love when kyle has his little rants because he seems to always make a good point haha. And you know, i never thought of the appraisal fee like that and now I'm annoyed too. Been tuning in for a while so congrats on the house!!

[@hrw3mom103]

I’m a GenXer. I enjoy checking out your videos to see how millennials are handling life in the current economy. I have Gen Zer children in college now and they’re afraid. What I find very interesting (and this may be attributed to the fact that we’re a military family more so than our age) is that you guys didn’t want to drive 30 hours with two cars and kids but you were willing to pay to have it trailered. We moved cross country several times during our active duty time. I loved planning our road trips. I budgeted everything so we’d stay under our per diem. The kids varied in ages each trip but the youngest was 3 during the first full cross country (she was 3 weeks old for her first move FL to DC). Those road trips were amazing! We had such a blast. I think too many people get afraid of being in a car for extended periods with kids and miss out on a great opportunity for an adventure. We have bought four homes over the course of our career. We’ve moved 9 times as a family. We made a lot of money, broke even a couple of times, opted to rent out two properties, and finally settled back into the last one. I don’t regret any of the purchases. We have a 2.3% interest rate so I guess we’ll stay until we need to move to assisted living. We also learned that you will expand into the space you have but you can make it work in smaller spaces.

[@moreanimals6889]

The only people my age, who have bought a house, are a friend and her sister except, they didn't have to buy it because their Mom died and it was left to them. Their Mom had been in the rare situation of completely having it paid off. You should have a blowout party sheerly for the fact that you are your age and homeowners. This is unheard of. CONGRATULATIONS!!!!!

[@sergiorom33]

The crypto market has been unfavorable for months and I keep losing my money selling-off during dips, I'm very scared of holding right now, how do you guys still make so much….??

[@AnthonyAntoinetteNwaurugu]

VENTURING into the trading world without the help of a profesionals, trading and expecting profit is like turning water into wine you would need a miracle...

[@AnthonyAntoinetteNwaurugu]

Following you has been an amazing journey , you have shown me the best way to earn much better profits despite the bad economic situations, God bless you with more knowledge Barron

[@adrienbull-eth1]

Great to see you guys talking of barron, Trading on your own can be very dangerous i can testify to that. This woman changed the game for me

[@sergiorom33]

i'm new at this

[@AnthonyAntoinetteNwaurugu]

SHE'S MOSTLY ON TELEGRAMS, USING THE USERNAME

[@suddenlythree]

We are getting ready to pay our house off 27 years early in 4-5 months and I can't tell you how happy it makes me that we've saved tens of thousands of dollars (if not hundreds of thousands) in interest. You wanna get back at your bank for the Appraisal fee, pay that baby off ahead of schedule and keep that interest in your own pocket.

[@DebtFreeMillennials]

Nice!!! That’s incredible! Yeah we wanna make our first payment early

[@greenlantern1986]

Oh man, imagine if that money went into the market!

[@brantnerk2]

CONGRATS J, K, and Q!

[@DebtFreeMillennials]

🥰🥰

[@healthfirstfreelancer]

I hope you do a house tour, and can’t wait to hear more about what it takes to actually take care of a house this size. I know you have an emergency fund, but I’d be saving any leftover down payment money just for “house stuff.” I’m not a homeowner, but watching my mom deal with her house it seems like there’s always little things to take care of that can seriously add up. Congratulations!!

[@notrelatedtosnake]

Congratulations on the purchase of your new home!

[@summerjoy247]

I agree on the appraisal fee rant among other fees 😩 Congrats on the new home! Funny we wanted the same floor plan and finally found it in Feb but we had to make an aggressive offer and use his lender and title company. Hope to be able to refinance!

[@nancyfleming4422]

Congratulations, and welcome back to Kansas!

[@DebtFreeMillennials]

Thank you!!

[@samanthashares]

Very excited for your family! Hoping you get some much needed and deserved rest and get settled soon.

[@ChicagoBudgets]

Congratulations!!! I'm so excited for you and your family!

[@DebtFreeMillennials]

Thank you so much!!

[@kimberlylepine5115]

Congrats! That's great that you could get an inspection.

[@DebtFreeMillennials]

Oh yes! And good thing we did because the roof was in bad shape and we were able to negotiate that!

[@lego_cookie_runner]

Yes! Show us a video your home purchase process. I’d like to see how it compares to my process back in 2017

[@DebtFreeMillennials]

Will do!!

[@jenniferwebster3067]

I am delighted for you both, looking forward to seeing your future videos living in the house.

[@randomnielle]

Congrats! 🎉

[@lcn706]

Congrats!! The best advice I’ve heard is to set aside about 1% of your homes purchase price per year into a sinking fund for home maintenance & repairs! We did the same thing when we bought. 1400sqft to 3200 😂😂 filled it up with 3 kids and we use every inch! Enjoy it!!! 🍻

[@DebtFreeMillennials]

Yes 1% set aside for repairs and maintenance is a great idea!

[@mate9009]

Wow first of all congratulations for both the good news!! And secondly: now that I watch it back after the last video I see the signs ( tea instead of the beer etc).. but I really wouldn't have guessed it before knowing!!

[@carlie4051]

Congrats on buying a house! We just closed on a house last month and just moved in… still in the process of un packing

[@glamourjazzz1774]

Yay 🎉Congratulations!!! 🍻 👏🏼🏡🥂

[@GyasiBarber]

Good save on that nomad switch! Can't wait until you are settled into your new place!

[@annarchydeclutteranddesign413]

Oh, half walls in a kitchen are wonderful - we can relax at the dinner table without seeing the dishes. Bliss!

[@annarchydeclutteranddesign413]

And yet still chat to guests at the table while preparing food.

[@Squintillions]

How exciting! Congrats on the new house! 🎉

[@DebtFreeMillennials]

Thank you!! 😊

[@BethAnnesBest]

Congrats! I’ve been following you for awhile and so excited for you guys! I can’t wait to hear more about the process and pictures.

[@DebtFreeMillennials]

Thank you so much!!

[@wellsaid7192]

Congrats, so happy for y’all. Sending you some California ❤

[@DekiaryCarter]

Congrats!!! I can only image what 600k+ gets you in Kansas City. Wishing you nothing but the best in this new chapter. Thanks for sharing your experience and insights here.

[@DebtFreeMillennials]

It gets you a big ol' house with plentyyy of space! We don't know what to do with it all now haha

[@melissafranco4918]

congrats! super proud.

[@amandam6069]

I work for a lender- the appraisal fee does not get paid to us. It’s paid to the appraiser. And it protects YOU from not getting a bad deal :)

[@imralljoshae5978]

Congratulations on your home!!

[@jaclyndougherty3271]

Let's not forget that you have an IKEA in Merriam! I miss that place. Now for us, IKEA is 2.5 hours away. Also, you have to check out KC Bier. Great beer and if you go there, you can eat their German menu and they have a place for kids to play. If I remember, it's at like 79th and state line road 😊

[@DebtFreeMillennials]

Yesss, we already hit up KC Bier! SO good! And it's literally on my to do list this Friday to hit up IKEA. This budget is gonna be insane with the amount of IKEA, Home Depot, and home furnishing runs we are going to do hahaha

[@arnoldgibbs3089]

Justine, If you can pay an extra 200.00 each month towards your mortgage. It really cuts down on your mortgage pay off time. The added payment should be applied to your mortgage balance.

[@DebtFreeMillennials]

LOVE that idea. Such a small amount that adds up to a big difference.

[@MrsNewlywedMoney]

Congrats!!!!!

[@asharbuckle5576]

Did you get the keys???? We need to know !! 🎉🎉🎉

[@robertmorris2576]

🎉🎉🎉 congratulations

[@TMKJG24]

Congratulations on your new home new subbie

[@DebtFreeMillennials]

Thanks for joining the fam!!!

[@libbysworld7649]

Congratulations.

[@NhaToriousTV]

I agree that it is a scam with paying the inspection fee for the bank to protect themselves.

[@dan-e6r7d]

Does she still invest with betterment?

[@lillyc8174]

How can I get this toolkit for the computer ? Can’t seem to access it

[@DebtFreeMillennials]

Head to debtfreemillennials.com/toolkit to download!

[@greenlantern1986]

I would rename the down payment fund to a home improvement fund for at least the next 5 years. You won't know there are things you want to change for years, trust me. Don't go spreading around that money too quick!

[@mlbmachine99]

Why just $24k down?

[@amandam6069]

I work for a lender- the appraisal fee does not get paid to us. It’s paid to the appraiser. And it protects YOU from not getting a bad deal :) I have however never heard of an equity fee…

[@Kimothy_fi]

What does your husband do for work “?

[@laurenharkness5725]

would've considered selling most of your furniture and buying new instead of moving it. Especially since you only had a 2 BR apartment. You have to compare the value of what you have vs. the cost to move it. Of course there are some smaller items you want to keep but you could load up your own vehicles with that mostly or get a small trailer/uhaul.

[@rstar19]

Congratulations!!!🎉🎉🎉

[@allisbookishadventures8260]

Huge congratulations Justine and Kyle! I know this has been a big goal of yours for a very long time! I've been following DFM for almost 2 years and the down payment has been in your budgets every single month and you are contributing to it every month. I've gone back and watched previous beers and budgeting videos from years past before I started following this channel and the down payment was in your budget in every video I watched. This is a huge accomplishment and milestone for you guys! Congratulations again!

[@stephaniejones5839]

🎉congratulations, don't get me started on appraisal, we closed on our house in December, we went through a refinance in the beginning of June and had to pay for another appraisal

[@DebtFreeMillennials]

Ughh another appraisal?! It just seems like a throw away fee doesn't it?

[@mickelsonfamilyhomestead]

So happy for you guys that’s awesome I look forward to see how much everything comes to when buying this house with this market! Are you guys gonna be giving us a tour of your house? 🤣

[@IsaacCoverstone]

Daycare costing more than rent seems to summarize 2024 pretty well. So happy I never had kids.

[@DebtFreeMillennials]

It was gonna look that way if we stayed in LA. Daycare is so much more affordable in KC for us.

[@Sharon-wq8xq]

The nomad life has been me for the last 3+ years. Can't wait to put my roots down soon

[@theodosiamora5004]

Congrats!! 🎉

[@Jaanechan]

Congratulations on your new home!🏡 Here in NC, we have due diligence and earnest money to contend with, which is kind of wild. 🙃

[@Utmostnicole]

Congratulations!!!! 🎉🙌 You guys are literally #goals. Me and my partner decided we needed to make a huge financial change at the beginning of this year and thanks to your channel and a couple of others we've paid off 8/13 debts all while contributing to an emergency fund. It's a hard journey but videos like this keep me hopeful that some day we will also be able to purchase our first home. Thank you for all of your knowledge and great content! We LOVE your videos!

[@DebtFreeMillennials]

OMG CONGRATS ON 8 OUT OF 13 DEBTS PAID!!!! That is absolutely incredible!!! It's a tough journey but so rewarding when you free up that cash for the things you want in life. Very happy for you!

[@paulinagoldstein]

congratulations!! so excited for you three! 🎉

[@DebtFreeMillennials]

Thank you so much!!

[@Master4999]

$15,000 to have someone drive your Subaru from LA to Kansas City? Am I understanding that correctly?

[@marielinden-cox8772]

It sounded like all moving expenses together were around $15k!

[@DebtFreeMillennials]

It was $1,400 to tailor the Subaru, not $15,000 lol that was be insane.

[@EmsFitVenture]

I agree that the appraisal is a joke! I had to have my home reappraised due to refinancing to take off PMI. I ended up filing a complaint against the first appraiser and had to redo the whole process with a new company and a new appraiser. My home has a garage that was converted into a 4th bedroom with a closet and two windows so by definition is a bedroom. The appraiser stated it was a second family room…. which meant I lost a bedroom and compared my home to much smaller ones completely lowering every thing about the appraisal value.

[@DebtFreeMillennials]

That sounds awful!! Did the new appraiser actually count the bedroom this time?

[@EmsFitVenture]

@@DebtFreeMillennials Yes! I believe she was at least required to go through education or maybe disciplinary action but they never told me the resolution to their investigation. She refused to adjust it as she would have had to redo her entire report even though she was wrong.

[@Tinaluvsdc]

Congratulations you guys 🎉🎉🎉 BTW I love and live for Kyle’s rants. They are so relevant and real. I’m usually like yeah Kyle you’re right like he can hear me 😂

[@matcha_mage]

Congrats you guys!!! Can't wait to hear more about the home buying process, renovation stuff, etc. and the finances that come with it

[@RaetoriousBIG]

Congratulations to you guys!!! So so excited for this new adventure!🎉

[@monaohara]

congrats!! would love to watch a video on your house-buying process!

[@9XmooseyX9]

Congratulations to you both!! ❤

[@Bluebirdhouse]

Wonderful! So happy for you guys.♥️

[@tykraccar]

Congratulations!!!

[@laurenhume1012]

Congratulations! 🎉

[@Ganon64-s4k]

You can’t help me you got your parents to fall back to !!! Both my parents are dead. Your should change your KZbin channel name to. “ back living with my parents “