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Housing market is TTT as fuck

My wife and I gross a combined $190k in a very cheap city an...
Bat-shit-crazy famous landscape painting
  04/11/25
BS, if everything has been going up then your 2014 home shou...
lemon home
  04/11/25
The down payment isn't the issue, it's the monthly with 6.5%...
Bat-shit-crazy famous landscape painting
  04/11/25
600k is out of reach on 200k income bud. think 350-400
Azure field friendly grandma
  04/11/25
...
embarrassed to the bone resort
  04/11/25
Now do $190k combined. Less money and it has to provide for ...
hilarious rambunctious half-breed stain
  04/11/25
Come on. That's just idiotic. I bought a $350k house in 2007...
floppy area idiot
  04/11/25
u didn't get a mortgage for 4.5x gross income @ 5.75%
hilarious rambunctious half-breed stain
  04/12/25
Yes I did: https://i.imgur.com/kEfuZKX.jpeg The total ...
floppy area idiot
  04/12/25
its funny trumpshit whines abt manu when in 80's US also jus...
onyx racy jap meetinghouse
  04/11/25
wtf does that even mean? yea having train tracks running be...
poppy plaza mental disorder
  04/11/25
im saying all these angry birdshits cld have been put to wor...
onyx racy jap meetinghouse
  04/11/25
we drive cars in this country and we live in big houses and ...
poppy plaza mental disorder
  04/11/25
blahblah u ppl are truly retarded and deserve to burn
onyx racy jap meetinghouse
  04/11/25
"we've been building plenty of both" No the fuc...
Irradiated base yarmulke
  04/11/25
nooooooooooooooooo trumpkins can say whatever they want and ...
onyx racy jap meetinghouse
  04/11/25
Now adjust for demographics. Remove all of those illegal im...
Naked stage clown
  04/11/25
"By the way, the era of poor people and LMC people owni...
Adventurous library windowlicker
  04/11/25
The American dream is about moving up in the world and not b...
Naked stage clown
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
you are basically correct, but in order to have the american...
Unholy persian lodge
  04/12/25
...
Mustard Principal's Office Internal Respiration
  04/12/25
i don't get it because you're not correct a shitty trailer ...
Unholy persian lodge
  04/12/25
...
Mustard Principal's Office Internal Respiration
  04/12/25
new york? what is your occupation? what is your income?
Unholy persian lodge
  04/12/25
...
Mustard Principal's Office Internal Respiration
  04/12/25
that's an answer? you appear to feel very sorry for yoursel...
Unholy persian lodge
  04/12/25
"economists" are a bunch of cumfarters who do not ...
poppy plaza mental disorder
  04/11/25
...
Naked stage clown
  04/11/25
infrastructure is the one thing that people miss when they t...
plum 180 theater regret
  04/11/25
US stopped building enough housing after the Great Recession...
Irradiated base yarmulke
  04/11/25
...
Adventurous library windowlicker
  04/11/25
You would have to be insane to buy at these rates/prices. Th...
lake big set
  04/11/25
everyone's an economist when it comes time to discuss the ho...
zippy center filthpig
  04/11/25
Gen Z/alpha will hopefully have a better go around because t...
Apoplectic Sound Barrier Cuck
  04/11/25
The Dying Boomers Boom will just pass their homes off to the...
Irradiated base yarmulke
  04/11/25
People who already own homes aren't going to just hold on to...
Apoplectic Sound Barrier Cuck
  04/11/25
Counting on the benevolence of gen X and millenials to use t...
zippy center filthpig
  04/11/25
The windfall is when the surplus housing actually gets sold,...
Apoplectic Sound Barrier Cuck
  04/11/25
Ah ok i misunderstood.
zippy center filthpig
  04/11/25
So Gen Z just needs to wait another 15 years? What is to ...
Irradiated base yarmulke
  04/11/25
BlackRock will be buying those houses, not Gen Z redditors (...
Talented brilliant cuckoldry
  04/11/25
if you stopped maxing your retirement contributions, you'd h...
zippy center filthpig
  04/11/25
I don't think you understand the premiums people will pay to...
Bat-shit-crazy famous landscape painting
  04/11/25
I don't understand why you're facing a financial problem. ...
Irradiated base yarmulke
  04/11/25
First, I denounce racism in all forms. Second, your OP speci...
zippy center filthpig
  04/11/25
Cheap in the sense that it's the midwest and you're not payi...
Bat-shit-crazy famous landscape painting
  04/11/25
Bro your monthly payment on a $600k house with a $450k loan ...
zippy center filthpig
  04/11/25
...
Azure field friendly grandma
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
I am just super conservative, addicted to my $800/mo PITI an...
Bat-shit-crazy famous landscape painting
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
...
zippy center filthpig
  04/11/25
The issue is that he's a racist piece of shit.
Irradiated base yarmulke
  04/11/25
Is it racist to not hear gunfire many times per year in my n...
Bat-shit-crazy famous landscape painting
  04/11/25
Yes those are racist
Judgmental Wonderful Whorehouse Trump Supporter
  04/12/25
twist - we ARE the poors
citrine water buffalo
  04/11/25
(Walter White)
heady son of senegal
  04/11/25
Aren’t you an Engineer? Just get a fixer-upper and Eng...
greedy stag film marketing idea
  04/11/25
Brother $600k is a fixer-upper that needs significant Engine...
Bat-shit-crazy famous landscape painting
  04/11/25
Get a $400k fixer-upper and Engineer it. 600k is decadent im...
greedy stag film marketing idea
  04/11/25
does anyone make a brick house with a basement anymore? ever...
bateful abnormal tanning salon
  04/11/25
If your home has enough bedrooms and is on an acre then why ...
stimulating space jew
  04/11/25
It's surrounded by NIGGERS and the school system is a Mad Ma...
Bat-shit-crazy famous landscape painting
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
I'm betting on $250k given recent comp sales and it includes...
Bat-shit-crazy famous landscape painting
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
lmao if only I could wageslave in the UP and live in a lumbe...
Bat-shit-crazy famous landscape painting
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
No way! Those Indian squaws are fucking insane, I always gav...
Bat-shit-crazy famous landscape painting
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
I used to own some land in Baraga County
Vigorous cruise ship
  04/13/25
"We hold no long term debt and have pretty minimal expe...
Marvelous University Organic Girlfriend
  04/11/25
yeah that's how much you need to save in order to retire, du...
Bat-shit-crazy famous landscape painting
  04/11/25
I'm the dumbass? your entire household income is 190k. Cle...
Marvelous University Organic Girlfriend
  04/11/25
state your height and ethnicity before I engage you further
Bat-shit-crazy famous landscape painting
  04/11/25
Explain what severe mental defect you have to only have a $1...
aphrodisiac market ladyboy
  04/11/25
I bought into STEM flame Engineering pay did not keep up ...
Bat-shit-crazy famous landscape painting
  04/11/25
Liberal artists win again
aphrodisiac market ladyboy
  04/11/25
...
greedy stag film marketing idea
  04/11/25
...
brindle domesticated kitchen
  04/11/25
"Do you want to be Destitute in your old age?" ...
Irradiated base yarmulke
  04/11/25
retirement is jewish flame
Azure field friendly grandma
  04/11/25
You should play around with a financial calculator and see i...
floppy area idiot
  04/12/25
Don’t do it if you own anything you’re a gay idi...
massive crackhouse juggernaut
  04/11/25
campgrounds are free or cheap$
Azure field friendly grandma
  04/11/25
CR might just cash out and do a TT live on a beach in Mexico...
Bat-shit-crazy famous landscape painting
  04/11/25
I’m in So Cal and the situation is insane, even by Cal...
gold pocket flask
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
I've made this point before, but the huge issue no one is ta...
Stubborn Seedy Dog Poop Boltzmann
  04/11/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
One of my brothers lives in a really nice house that he stan...
very tactful chapel boiling water
  04/12/25
Look at this fucking shoebox that just sold for 1.3: https:...
Judgmental Wonderful Whorehouse Trump Supporter
  04/12/25
Fuck, I hate this aesthetic. Looks cheap.
gold pocket flask
  04/13/25
...
Mustard Principal's Office Internal Respiration
  04/11/25
My HHI is now over $2 million and we have no hope of ever be...
Clear mind-boggling range gunner
  04/11/25
...
painfully honest carmine brunch
  04/11/25
this but unironically
Well-lubricated Church Building Crotch
  04/12/25
Link to that retarded reddit post where some biglaw shrew ma...
Judgmental Wonderful Whorehouse Trump Supporter
  04/12/25
the American Dream may have already passed u by-- I know the...
bateful abnormal tanning salon
  04/11/25
People are snatching up mobile homes for 300k at 6.5% now it...
Ruby Odious Codepig Menage
  04/11/25
i live in flyover and some mobile homes are selling for 350k...
embarrassed to the bone resort
  04/11/25
...
Ruby Odious Codepig Menage
  04/12/25
...
painfully honest carmine brunch
  04/11/25
I'm really interested to see what happens to my community's ...
Stubborn Seedy Dog Poop Boltzmann
  04/11/25
I have the same concern. Homes in my area are going for ...
Irradiated base yarmulke
  04/12/25


Poast new message in this thread



Reply Favorite

Date: April 11th, 2025 8:46 AM
Author: Bat-shit-crazy famous landscape painting

My wife and I gross a combined $190k in a very cheap city and somehow still can't afford to move up from our starter home I bought in 2014. My income has doubled since then in addition to getting married and gaining her income as well. We hold no long term debt and have pretty minimal expenses aside from maxing out 401(k) and Roth IRAs every year.

What the fuck are poors even doing to survive in this economy?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837124)



Reply Favorite

Date: April 11th, 2025 9:12 AM
Author: lemon home

BS, if everything has been going up then your 2014 home should have gone up as well so you will have 'equity' to put towards a bigger house.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837195)



Reply Favorite

Date: April 11th, 2025 9:14 AM
Author: Bat-shit-crazy famous landscape painting

The down payment isn't the issue, it's the monthly with 6.5% interest, property taxes, and insurance premiums off back-to-back 20% annual hikes.

I don't think a $600k house should be out of reach for us, but that's the absolute top of budget right now and puts me in an uncomfortable spot where we would be "house poor"

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837203)



Reply Favorite

Date: April 11th, 2025 10:38 AM
Author: Azure field friendly grandma

600k is out of reach on 200k income bud. think 350-400

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837536)



Reply Favorite

Date: April 11th, 2025 1:25 PM
Author: embarrassed to the bone resort



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838123)



Reply Favorite

Date: April 11th, 2025 1:36 PM
Author: hilarious rambunctious half-breed stain

Now do $190k combined. Less money and it has to provide for two people.

350-400 is out of reach bud. think 225-250.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838175)



Reply Favorite

Date: April 11th, 2025 10:49 PM
Author: floppy area idiot

Come on. That's just idiotic. I bought a $350k house in 2007, and my salary was around $80k at the time. Interest rates were slightly lower then than they are now, but not by much. I think I got a 5.75% rate on my first mortgage.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839554)



Reply Favorite

Date: April 12th, 2025 5:40 PM
Author: hilarious rambunctious half-breed stain

u didn't get a mortgage for 4.5x gross income @ 5.75%



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841044)



Reply Favorite

Date: April 12th, 2025 8:14 PM
Author: floppy area idiot

Yes I did:

https://i.imgur.com/kEfuZKX.jpeg

The total payment came to around $2,000 per month. I don't remember the PITI breakdown. My take home pay was $5,000 something at the time. I had zero non-mortgage debt and some decent retirement assets, which probably helped me get approved. And I also put 20% down. But yes, you can get approved for a $350k house on an $80k salary.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841442)



Reply Favorite

Date: April 11th, 2025 8:53 AM
Author: onyx racy jap meetinghouse

its funny trumpshit whines abt manu when in 80's US also just stopped investing in infra and at some point also stopped building enough housing

imagine oif they had done both and they had oversupply of housing

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837140)



Reply Favorite

Date: April 11th, 2025 8:58 AM
Author: poppy plaza mental disorder

wtf does that even mean? yea having train tracks running behind your backyard will somehow make people able to afford homes.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837148)



Reply Favorite

Date: April 11th, 2025 8:59 AM
Author: onyx racy jap meetinghouse

im saying all these angry birdshits cld have been put to work building houses and bullet trains and giant statutes of ethiopian dildos and stuff

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837150)



Reply Favorite

Date: April 11th, 2025 9:02 AM
Author: poppy plaza mental disorder

we drive cars in this country and we live in big houses and we've been building plenty of both. no one wants to live in commie apartments and ride public transit with china produced fentaly addicts

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837159)



Reply Favorite

Date: April 11th, 2025 9:10 AM
Author: onyx racy jap meetinghouse

blahblah u ppl are truly retarded and deserve to burn

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837192)



Reply Favorite

Date: April 11th, 2025 9:16 AM
Author: Irradiated base yarmulke

"we've been building plenty of both"

No the fuck we haven't.

https://www.brookings.edu/articles/make-it-count-measuring-our-housing-supply-shortage/

"Our calculations show that the U.S. housing market was short 4.9 million housing units in 2023 relative to mid-2000s. "

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837207)



Reply Favorite

Date: April 11th, 2025 9:18 AM
Author: onyx racy jap meetinghouse

nooooooooooooooooo trumpkins can say whatever they want and its factually correct, shitlib

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837208)



Reply Favorite

Date: April 11th, 2025 1:22 PM
Author: Naked stage clown

Now adjust for demographics. Remove all of those illegal immigrants that aren't buying houses or poor people that are non-factors. Limit to the wealthy, UMC and MMC. The rest are renters.

By the way, the era of poor people and LMC people owning property is over and not coming back.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838107)



Reply Favorite

Date: April 11th, 2025 1:45 PM
Author: Adventurous library windowlicker

"By the way, the era of poor people and LMC people owning property is over and not coming back"

BUT MUH AMURRRICAAAN DREAM!

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838199)



Reply Favorite

Date: April 11th, 2025 2:36 PM
Author: Naked stage clown

The American dream is about moving up in the world and not being poor or LMC anymore. You start as a plumber and then start your own plumbing business. It isn't about everyone no matter how unsuccessful owning a house and a car.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838432)



Reply Favorite

Date: April 11th, 2025 2:41 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838466)



Reply Favorite

Date: April 12th, 2025 12:56 AM
Author: Unholy persian lodge

you are basically correct, but in order to have the american dream available to most, owning a car must be available to all and owning one's housing must be available to most. the housing may be a shitty condo or even a trailer home, but that is available to most today.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839643)



Reply Favorite

Date: April 12th, 2025 12:58 AM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839644)



Reply Favorite

Date: April 12th, 2025 1:11 AM
Author: Unholy persian lodge

i don't get it because you're not correct

a shitty trailer home is accessible to basically everyone

you go from there



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839661)



Reply Favorite

Date: April 12th, 2025 1:16 AM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839666)



Reply Favorite

Date: April 12th, 2025 1:21 AM
Author: Unholy persian lodge

new york? what is your occupation? what is your income?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839668)



Reply Favorite

Date: April 12th, 2025 1:23 AM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839673)



Reply Favorite

Date: April 12th, 2025 9:13 PM
Author: Unholy persian lodge

that's an answer?

you appear to feel very sorry for yourself. perhaps you should.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841573)



Reply Favorite

Date: April 11th, 2025 3:40 PM
Author: poppy plaza mental disorder

"economists" are a bunch of cumfarters who do not like America or Americans or anyone who doesn't fart cum from their asshole so any analysis they do is biased in that direction

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838712)



Reply Favorite

Date: April 11th, 2025 1:20 PM
Author: Naked stage clown



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838100)



Reply Favorite

Date: April 11th, 2025 2:46 PM
Author: plum 180 theater regret

infrastructure is the one thing that people miss when they talk about the housing affordability crisis. If you could get to midtown manhattan in 30 minutes from 90+ miles away, you'd be able to create a lot more density in the outer-rings and build more low-density exurban further out.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838487)



Reply Favorite

Date: April 11th, 2025 9:15 AM
Author: Irradiated base yarmulke

US stopped building enough housing after the Great Recession.

Developers got their shit PUSHED IN when ITE happened. So as a result, they stopped building as much in subsequent years.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837205)



Reply Favorite

Date: April 11th, 2025 1:45 PM
Author: Adventurous library windowlicker



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838200)



Reply Favorite

Date: April 11th, 2025 8:55 AM
Author: lake big set

You would have to be insane to buy at these rates/prices. The market is due for a 20% correction in many areas. But there’s not enough inventory for price discovery to occur. We will see what happens this spring, but it’s no bueno that prices have not budged despite interest rates MORE THAN DOUBLING.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837145)



Reply Favorite

Date: April 11th, 2025 9:06 AM
Author: zippy center filthpig

everyone's an economist when it comes time to discuss the housing market. you have no idea whether the market will correct by 20%. Tons of people have 2-3% interest rates and are never selling. And if rates do drop leading to increased supply, those same low rates mean people will qualify for bigger loans.

I'd think a recession with massive layoffs would impact the market more so than a reduction in interest rates. Again, no one actually knows if/when that will happen.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837172)



Reply Favorite

Date: April 11th, 2025 9:13 AM
Author: Apoplectic Sound Barrier Cuck

Gen Z/alpha will hopefully have a better go around because they'll be prime housebuying age during the Dying Boomers Boom

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837200)



Reply Favorite

Date: April 11th, 2025 9:18 AM
Author: Irradiated base yarmulke

The Dying Boomers Boom will just pass their homes off to their Gen X children.

If we experience ITE: THE SEQUEL, then Gen Z won't have a job to afford the depreciated homes.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837209)



Reply Favorite

Date: April 11th, 2025 9:21 AM
Author: Apoplectic Sound Barrier Cuck

People who already own homes aren't going to just hold on to two houses, and in any case most people have more than one kid and if the house is their primary asset it ends up getting sold to settle the estate

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837216)



Reply Favorite

Date: April 11th, 2025 9:48 AM
Author: zippy center filthpig

Counting on the benevolence of gen X and millenials to use their boomer windfall inheritance for their kids?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837296)



Reply Favorite

Date: April 11th, 2025 10:12 AM
Author: Apoplectic Sound Barrier Cuck

The windfall is when the surplus housing actually gets sold, which it will because the vast majority of people want cash instead of a second house in some place they don't live. If the argument is "people will never sell because they're locked into their homes" the counterargument is "everybody dies". Boomers are obviously own homes in much larger numbers than every other gen and they won't live forever

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837385)



Reply Favorite

Date: April 11th, 2025 10:19 AM
Author: zippy center filthpig

Ah ok i misunderstood.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837416)



Reply Favorite

Date: April 11th, 2025 10:25 AM
Author: Irradiated base yarmulke

So Gen Z just needs to wait another 15 years?

What is to stop the GenX from trying to cash in on their Dead Boomer parents home value by charging an egregious amount?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837451)



Reply Favorite

Date: April 11th, 2025 11:02 AM
Author: Talented brilliant cuckoldry

BlackRock will be buying those houses, not Gen Z redditors (the ones that BlackRock doesn't already own because boomers reverse mortgaged them to pay for long term care)

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837672)



Reply Favorite

Date: April 11th, 2025 9:08 AM
Author: zippy center filthpig

if you stopped maxing your retirement contributions, you'd have more to put down. Can't you take a 401(k) loan to access that money without it impacting your ability to qualify for a mortgage?

With the equity you've got in your current home and your combined income, surely you could buy a nice house in a "very cheap city".

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837183)



Reply Favorite

Date: April 11th, 2025 9:12 AM
Author: Bat-shit-crazy famous landscape painting

I don't think you understand the premiums people will pay to live far away from niggers.

401(k) loan is not on the table, we have enough equity & savings for a 25% down payment on anything in our price range no prob. also LMAO @ selling at the bottom of the market right now!

The issue is what our budget buys you - everything in a better area or closer to work is both more expensive and a step down in some way from our "starter" home (like 1 fewer bedroom, less sqft, postage stamp lot instead of our acre)

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837197)



Reply Favorite

Date: April 11th, 2025 9:19 AM
Author: Irradiated base yarmulke

I don't understand why you're facing a financial problem.

Your wife has a mouth, doesn't she?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837211)



Reply Favorite

Date: April 11th, 2025 10:18 AM
Author: zippy center filthpig

First, I denounce racism in all forms. Second, your OP specified that it was an extremely cheap city. Now you are buying in a nice place that carries a premium?

So your issue isn't that you can't afford a home, it's that you want to upgrade to nicer home in a nicer town but not sell your current home. You want to own 2 homes with a combined income of $190k.



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837411)



Reply Favorite

Date: April 11th, 2025 10:21 AM
Author: Bat-shit-crazy famous landscape painting

Cheap in the sense that it's the midwest and you're not paying $1MM for a basic home.

I would sell my current home and pocket around $150k of equity after costs which would be the down payment. Go plug that into a website on a $600k home and see what you have left to live off. It's not very much at all, especially after daycare, college savings, etc.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837431)



Reply Favorite

Date: April 11th, 2025 10:45 AM
Author: zippy center filthpig

Bro your monthly payment on a $600k house with a $450k loan is like $3,500. Daycare is a temporary problem. If you really need this new house, suspend 401(k) contributions and college savings until you're done with daycare.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837590)



Reply Favorite

Date: April 11th, 2025 10:46 AM
Author: Azure field friendly grandma



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837594)



Reply Favorite

Date: April 11th, 2025 1:08 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838067)



Reply Favorite

Date: April 11th, 2025 1:14 PM
Author: Bat-shit-crazy famous landscape painting

I am just super conservative, addicted to my $800/mo PITI and stacking cash. It was fine when I was in my early 20s but I'm getting serious N fatigue.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838083)



Reply Favorite

Date: April 11th, 2025 1:20 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838099)



Reply Favorite

Date: April 11th, 2025 4:53 PM
Author: zippy center filthpig



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838944)



Reply Favorite

Date: April 11th, 2025 10:26 AM
Author: Irradiated base yarmulke

The issue is that he's a racist piece of shit.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837456)



Reply Favorite

Date: April 11th, 2025 10:37 AM
Author: Bat-shit-crazy famous landscape painting

Is it racist to not hear gunfire many times per year in my neighborhood? Is it racist to not want to have some minimum standards of conduct (let alone academic performance!) in my local school?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837533)



Reply Favorite

Date: April 12th, 2025 7:35 PM
Author: Judgmental Wonderful Whorehouse Trump Supporter

Yes those are racist

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841375)



Reply Favorite

Date: April 11th, 2025 9:12 AM
Author: citrine water buffalo

twist - we ARE the poors

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837196)



Reply Favorite

Date: April 11th, 2025 9:14 AM
Author: heady son of senegal

(Walter White)

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837204)



Reply Favorite

Date: April 11th, 2025 9:55 AM
Author: greedy stag film marketing idea

Aren’t you an Engineer? Just get a fixer-upper and Engineer it.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837318)



Reply Favorite

Date: April 11th, 2025 10:11 AM
Author: Bat-shit-crazy famous landscape painting

Brother $600k is a fixer-upper that needs significant Engineering.

My current house was like $80k and I tripled the value by Engineering it too.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837379)



Reply Favorite

Date: April 11th, 2025 10:47 AM
Author: greedy stag film marketing idea

Get a $400k fixer-upper and Engineer it. 600k is decadent imo.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837599)



Reply Favorite

Date: April 11th, 2025 9:56 AM
Author: bateful abnormal tanning salon

does anyone make a brick house with a basement anymore? everything is built on slab and prefabricated.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837323)



Reply Favorite

Date: April 11th, 2025 10:07 AM
Author: stimulating space jew

If your home has enough bedrooms and is on an acre then why do you want to move

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837367)



Reply Favorite

Date: April 11th, 2025 10:10 AM
Author: Bat-shit-crazy famous landscape painting

It's surrounded by NIGGERS and the school system is a Mad Max thunderdome

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837378)



Reply Favorite

Date: April 11th, 2025 1:09 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838069)



Reply Favorite

Date: April 11th, 2025 1:13 PM
Author: Bat-shit-crazy famous landscape painting

I'm betting on $250k given recent comp sales and it includes a second buildable lot. If I didn't need the equity for a new primary I would rent this house out too, it's down the street from my rentals and it's a good rental market (new AMZN distro center, manufacturing plants, etc popping up)

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838080)



Reply Favorite

Date: April 11th, 2025 1:17 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838094)



Reply Favorite

Date: April 11th, 2025 2:22 PM
Author: Bat-shit-crazy famous landscape painting

lmao if only I could wageslave in the UP and live in a lumber baron's mansion

I was browsing and saw a 9K sqft home with just SPS everything inside but only cost $450k

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838352)



Reply Favorite

Date: April 11th, 2025 2:40 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838459)



Reply Favorite

Date: April 11th, 2025 2:50 PM
Author: Bat-shit-crazy famous landscape painting

No way! Those Indian squaws are fucking insane, I always gave them a wide berth (because most of them were wide lol)

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838513)



Reply Favorite

Date: April 11th, 2025 3:10 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838587)



Reply Favorite

Date: April 13th, 2025 12:45 AM
Author: Vigorous cruise ship

I used to own some land in Baraga County

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841989)



Reply Favorite

Date: April 11th, 2025 10:14 AM
Author: Marvelous University Organic Girlfriend

"We hold no long term debt and have pretty minimal expenses aside from maxing out 401(k) and Roth IRAs every year."

LOL, if both of you make 190k combined and you are each maxing out your 401ks then like 1/3 of your after tax income is going to retirement funds. Are you still confused?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837391)



Reply Favorite

Date: April 11th, 2025 10:16 AM
Author: Bat-shit-crazy famous landscape painting

yeah that's how much you need to save in order to retire, dumbass. We're not "maxing" completely because Wife's plan is a mandatory 5% contribution w/ massive employer match but doesn't allow discretionary above that amount so it's not the complete $27k

Do you want to be Destitute in your old age? Social Security is not going to exist and we have to prepare for that eventuality.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837400)



Reply Favorite

Date: April 11th, 2025 10:19 AM
Author: Marvelous University Organic Girlfriend

I'm the dumbass? your entire household income is 190k. Clearly you've done something wrong in life.

don't complain that you can't afford anything above a starter home when you make two shit salaries and are contributing a huge proportion to retirement (that no one else at your salary levels would do). htfh you nasty prole fuck.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837414)



Reply Favorite

Date: April 11th, 2025 10:22 AM
Author: Bat-shit-crazy famous landscape painting

state your height and ethnicity before I engage you further

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837439)



Reply Favorite

Date: April 11th, 2025 11:07 AM
Author: aphrodisiac market ladyboy

Explain what severe mental defect you have to only have a $190k HHI

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837688)



Reply Favorite

Date: April 11th, 2025 11:29 AM
Author: Bat-shit-crazy famous landscape painting

I bought into STEM flame

Engineering pay did not keep up with the market thanks to H1B Indians and offshoring

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837775)



Reply Favorite

Date: April 11th, 2025 3:06 PM
Author: aphrodisiac market ladyboy

Liberal artists win again

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838573)



Reply Favorite

Date: April 11th, 2025 10:14 PM
Author: greedy stag film marketing idea



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839510)



Reply Favorite

Date: April 11th, 2025 10:49 AM
Author: brindle domesticated kitchen



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837608)



Reply Favorite

Date: April 11th, 2025 10:27 AM
Author: Irradiated base yarmulke

"Do you want to be Destitute in your old age?"

Your Wife has a mouth, doesn't she?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837463)



Reply Favorite

Date: April 11th, 2025 10:48 AM
Author: Azure field friendly grandma

retirement is jewish flame

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837606)



Reply Favorite

Date: April 12th, 2025 12:17 AM
Author: floppy area idiot

You should play around with a financial calculator and see if you can reduce your retirement savings. First, while there is a good chance that Social Security benefits will be reduced in the future, the likelihood that Social Security will "not exist" is almost zero. And my guess is that you don't need to save that much for retirement unless you are trying to retire early. My wife and I only maxed Roth IRA's plus about $12k per year in my 401k until we were in our 40's, and my robo-advisor says that we can easily retire in our mid-50's. Granted, we live pretty cheaply and don't have kids, plus I started maxing my Roth IRA in my early 20's, so we have benefited from long-term growth. But saving $60k+ per year for retirement seems like a major overkill unless you intend to live like RSF in retirement.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839623)



Reply Favorite

Date: April 11th, 2025 10:48 AM
Author: massive crackhouse juggernaut

Don’t do it if you own anything you’re a gay idiot and you’ll just be getting scammed by a bunch of dirty niggers all day go live in your car or a tent

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837602)



Reply Favorite

Date: April 11th, 2025 10:50 AM
Author: Azure field friendly grandma

campgrounds are free or cheap$

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837611)



Reply Favorite

Date: April 11th, 2025 10:54 AM
Author: Bat-shit-crazy famous landscape painting

CR might just cash out and do a TT live on a beach in Mexico and give up on this flame "life"

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48837636)



Reply Favorite

Date: April 11th, 2025 1:15 PM
Author: gold pocket flask

I’m in So Cal and the situation is insane, even by California standards. A minimally acceptable house in a non-thunderdome school district is literally like 1.4-1.6 mil.

Combined with current interest rates, the only way this is doable is 1) you have two earners making like 250k+ and like a million $ saved, 2) your rich parents buy you a house. I grew up here and there used to be legit middle class families but those days are long gone.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838087)



Reply Favorite

Date: April 11th, 2025 1:23 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838114)



Reply Favorite

Date: April 11th, 2025 10:20 PM
Author: Stubborn Seedy Dog Poop Boltzmann

I've made this point before, but the huge issue no one is talkig about is that boomers have so much money that inheritances are going to be a huge issues.

My parents were middle class - and probably lower middle class when i was growing up. Now they have assets of over $1 mm. That would be split 3 ways, but even so - thats $300,000.

Now remember a ton of boomers have way more money (or less kids). A significant portion of millenials are going to inherit between $500,000 - $5 million - that's going to really distort the housing market.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839524)



Reply Favorite

Date: April 11th, 2025 11:30 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839583)



Reply Favorite

Date: April 12th, 2025 12:23 AM
Author: very tactful chapel boiling water

One of my brothers lives in a really nice house that he stands to inherit when our remaining parent dies. He has had a "career" as a lib activist, basically one of those people whose job DOGE is taking, and could NEVER afford this place on his own. However, his situation is so extreme that the issue is more, if he inherits the house free and clear, can he afford the taxes, upkeep, HOA dues, etc.?

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839629)



Reply Favorite

Date: April 12th, 2025 7:39 PM
Author: Judgmental Wonderful Whorehouse Trump Supporter

Look at this fucking shoebox that just sold for 1.3:

https://www.zillow.com/homedetails/2986-Babb-St-Costa-Mesa-CA-92626/25250671_zpid/

And a lot of the 1.4s will have no yard at all

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841381)



Reply Favorite

Date: April 13th, 2025 12:44 AM
Author: gold pocket flask

Fuck, I hate this aesthetic. Looks cheap.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841985)



Reply Favorite

Date: April 11th, 2025 1:21 PM
Author: Mustard Principal's Office Internal Respiration



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838102)



Reply Favorite

Date: April 11th, 2025 1:24 PM
Author: Clear mind-boggling range gunner

My HHI is now over $2 million and we have no hope of ever being able to afford to buy a house

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838115)



Reply Favorite

Date: April 11th, 2025 10:11 PM
Author: painfully honest carmine brunch



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839503)



Reply Favorite

Date: April 12th, 2025 1:01 AM
Author: Well-lubricated Church Building Crotch

this but unironically

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839646)



Reply Favorite

Date: April 12th, 2025 7:43 PM
Author: Judgmental Wonderful Whorehouse Trump Supporter

Link to that retarded reddit post where some biglaw shrew making $850K said she still couldn’t afford a house in NY

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841386)



Reply Favorite

Date: April 11th, 2025 1:24 PM
Author: bateful abnormal tanning salon

the American Dream may have already passed u by-- I know the feeling

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838116)



Reply Favorite

Date: April 11th, 2025 1:26 PM
Author: Ruby Odious Codepig Menage

People are snatching up mobile homes for 300k at 6.5% now it’s insane.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838130)



Reply Favorite

Date: April 11th, 2025 1:27 PM
Author: embarrassed to the bone resort

i live in flyover and some mobile homes are selling for 350k and you still have to rent a lot space for 1200 a month...no flame

average house price here is 600k

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48838133)



Reply Favorite

Date: April 12th, 2025 5:44 PM
Author: Ruby Odious Codepig Menage



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841048)



Reply Favorite

Date: April 11th, 2025 10:10 PM
Author: painfully honest carmine brunch



(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839502)



Reply Favorite

Date: April 11th, 2025 10:08 PM
Author: Stubborn Seedy Dog Poop Boltzmann

I'm really interested to see what happens to my community's school district.

Bascially, the cost of a starter home went from $2,500 a month to $7,500.

My guess is that historically people at the kindergarten bought a house 2-3 years prior to sending their kids, and a lot less people who can afford to pay $7,500 have kids than $2,500...

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48839501)



Reply Favorite

Date: April 12th, 2025 9:34 PM
Author: Irradiated base yarmulke

I have the same concern.

Homes in my area are going for 600's.

I bought my home for the high 300's in 2021 right before rates doubled.

What kind of effect will that have on the school district when it has become considerably more expensive to move here.

(http://www.autoadmit.com/thread.php?thread_id=5709037&forum_id=2Elisa#48841616)