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How do so many people afford mortgages?
Poast new message in this thread
Date: May 16th, 2018 7:24 PM Author: cowardly feces With law school loans this seems impossible as a single bro. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064842) |
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Date: May 16th, 2018 7:24 PM Author: Big amethyst cruise ship Serve your country, get a VA loan. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064845) |
Date: May 16th, 2018 7:25 PM Author: internet-worthy abusive school cafeteria It's easy as long as you can make your monthly payments. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064852) |
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Date: May 16th, 2018 7:55 PM Author: crimson senate (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065059) |
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Date: May 16th, 2018 7:25 PM Author: Indigo stubborn station 400k combined income, literally can't afford to buy a house anywhere in NJ/CT/LI/westchester (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064853) |
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Date: May 16th, 2018 7:27 PM Author: internet-worthy abusive school cafeteria Correction: 400k combined income, literally can't afford to buy a house anywhere in NJ/CT/LI/westchester that we find highly desirable. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064860) |
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Date: May 16th, 2018 7:28 PM Author: Indigo stubborn station even normal towns will cost you 800+ with insane taxes. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064868) |
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Date: May 16th, 2018 7:30 PM Author: Infuriating sickened half-breed Just do send your kids to a NYC public school, bro. Augment that shit with a Chinese cram school and the kid will be fine. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064879) |
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Date: May 16th, 2018 7:31 PM Author: Indigo stubborn station fuck that nonsense.
i'm moving out to the burbs when the kids have to go to school. don't want to raise faggot brooklyn children. |
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Date: May 16th, 2018 7:35 PM Author: Infuriating sickened half-breed My nephew is a half Armenian half Jew half breed who speaks fluent Mandarin at age 6 because they put him in a Chinese day care and now a Chinese after school cram school. He's student of the month at his half nigger elementary school. Kid will be fine and wholly multicultural. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064911) |
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Date: May 16th, 2018 7:38 PM Author: Indigo stubborn station and he'll end up marrying a 35-year-old chinese woman and buying shoes (full price) at cole haan some day (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064936) |
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Date: May 16th, 2018 7:52 PM Author: Big amethyst cruise ship (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065043) |
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Date: May 16th, 2018 11:50 PM Author: Charismatic blathering headpube (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066643) |
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Date: May 16th, 2018 11:50 PM Author: Lavender patrolman lol (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066645) |
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Date: May 17th, 2018 12:16 AM Author: Cobalt diverse hunting ground circlehead devastating (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066837) |
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Date: May 17th, 2018 12:24 AM Author: excitant fat ankles antidepressant drug the xoxo story (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066876) |
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Date: May 17th, 2018 10:32 AM Author: Hideous casino (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068370) |
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Date: May 17th, 2018 12:00 PM Author: drunken stag film (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36069196) |
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Date: May 16th, 2018 7:34 PM Author: internet-worthy abusive school cafeteria Bro, you're clueless.
https://www.realtor.com/realestateandhomes-detail/20-Knollwood-Dr_West-Orange_NJ_07052_M60071-66549
https://www.realtor.com/realestateandhomes-detail/45-Lenox-Ter_West-Orange_NJ_07052_M56883-70932
https://www.realtor.com/realestateandhomes-detail/17-Dogwood-Rd_West-Orange_NJ_07052_M68004-89007
https://www.realtor.com/realestateandhomes-detail/186-Walnut-St_Livingston_NJ_07039_M67563-40237
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Date: May 16th, 2018 7:35 PM Author: Indigo stubborn station 65% white LJL (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064913) |
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Date: May 16th, 2018 7:36 PM Author: Infuriating sickened half-breed Anything under 600k is basically in need of near total tear down. Those are houses that haven't been renovated since 1985. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064921) |
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Date: May 16th, 2018 7:38 PM Author: internet-worthy abusive school cafeteria Most of those didn't seem to require much. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064939) |
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Date: May 16th, 2018 7:52 PM Author: Infuriating sickened half-breed Every last kitchen in those houses is a totally tear down. And those pictures are staged by real estate agents. Up close IRL they will look 10x worse than those pics. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065036) |
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Date: May 16th, 2018 11:51 PM Author: Charismatic blathering headpube Oh no, not replacing a kitchen! Don't be a retard. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066649) |
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Date: May 17th, 2018 12:00 AM Author: Infuriating sickened half-breed It's like $35k to do a kitchen a kitchen half way decently and I'm not talking Viking appliances or fully custom cabinets. Everyone of those houses needs $100k of work. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066718) |
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Date: May 17th, 2018 12:03 AM Author: Cracking Stead Legend one of those houses was like 300K.
300K + 100K = 400K... half of 800K... what's the problem? |
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Date: May 17th, 2018 12:05 AM Author: Charismatic blathering headpube They don't "need" anything. Yeah, you'll replace shit in the kitchen as you get around to it. But they're livable now. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066766) |
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Date: May 17th, 2018 12:09 AM Author: Infuriating sickened half-breed We have very different definitions of liveable....
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Date: May 17th, 2018 12:43 AM Author: Charismatic blathering headpube I'm sure that is true. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066957) |
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Date: May 16th, 2018 7:28 PM Author: Infuriating sickened half-breed Just do Paramus, bro. $600k ranch houses, a decent school district and only $25k in property taxes per year. Enjoy. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064869) |
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Date: May 16th, 2018 11:55 PM Author: Charismatic blathering headpube https://www.zillow.com/homedetails/16-Ridgedale-Ave-Summit-NJ-07901/40067607_zpid/?fullpage=true
https://www.zillow.com/homedetails/8-Morris-Ave-Summit-NJ-07901/40067207_zpid/?fullpage=true
https://www.niche.com/places-to-live/summit-union-nj/
You lose. |
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Date: May 17th, 2018 12:02 AM Author: Infuriating sickened half-breed How is showing me houses north of $500k disproving my point? LJL at 1300sq feet for 529k being a deal. I have 2200sq feet in Brooklyn. Of course my house is like $1.2 million now but still. 1300sq feet is tiny as fuck. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066735) |
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Date: May 17th, 2018 12:04 AM Author: Charismatic blathering headpube That's one of the nicest suburbs with the nicest schools. Your kids will be going to awful schools with awful kids. Factor in foregoing private schooling into the cost and you can get something bigger/nicer.
Also, you don't even live in a nice part of Brooklyn. |
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Date: May 17th, 2018 12:08 AM Author: Infuriating sickened half-breed I have a 20 minute commute into the city. From these dumps it's like 90 minutes. No thanks. My kids will be fine with NYC public schools. They'll test into the good ones or I'll murder them in their sleep. NYC schools are only a problem if your kids are dumb and can't test well. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066783) |
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Date: May 17th, 2018 8:51 AM Author: Charismatic blathering headpube Neither of us work in the city anymore. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36067682) |
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Date: May 17th, 2018 12:10 AM Author: peach newt (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066806) |
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Date: May 16th, 2018 7:28 PM Author: Big amethyst cruise ship For reals? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064864) |
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Date: May 16th, 2018 11:55 PM Author: Charismatic blathering headpube Nope. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066678) |
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Date: May 16th, 2018 7:29 PM Author: cowardly feces In same area...its insane (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064876) |
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Date: May 16th, 2018 7:32 PM Author: Infuriating sickened half-breed Only if you're retarded enough to think your kid can't go to school with minorities and come out a normal human being. If white people insist on paying $30k in taxes to avoid blacks that's on them. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064895) |
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Date: May 16th, 2018 7:35 PM Author: cowardly feces No problem with any of that. But, saving up a down payment and then managing mortgage + loans seems tough for dudes only making around 100k. Obviously would be easier if married but it's still rough and DTI insanely high.
NJ property taxes are quite high as well |
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Date: May 16th, 2018 7:37 PM Author: Infuriating sickened half-breed No one is moving to NJ without a wife and kids. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064927) |
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Date: May 16th, 2018 7:42 PM Author: cowardly feces What if job and family all live in NJ? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064966) |
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Date: May 16th, 2018 7:53 PM Author: Infuriating sickened half-breed Do you socialize with people in real life? How literal do you imagine I was being when I said "no one," bro? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065045) |
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Date: May 16th, 2018 7:36 PM Author: Hilarious arousing set https://www.redfin.com/NJ/Oradell/657-Park-Ave-07649/home/35814051
you can afford this. |
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Date: May 16th, 2018 11:58 PM Author: Charismatic blathering headpube LOL @ that ridiculous McMansion. But yes, there's a ton of stuff he can afford. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066703) |
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Date: May 17th, 2018 12:24 AM Author: Hilarious arousing set Yeah I don’t know the market. Most people prefer new construction. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066878) |
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Date: May 17th, 2018 11:09 AM Author: Charismatic blathering headpube You can get new construction that isn't a McMansion (on a shitty lot where they killed all the trees and is just plain lawn, shitty architecture, etc.). (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068722) |
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Date: May 16th, 2018 11:56 PM Author: Charismatic blathering headpube LMAO, we also make $400k HHI and just bought a nice house in a well-rated burb in the same area. HTH. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066691) |
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Date: May 16th, 2018 7:25 PM Author: Infuriating sickened half-breed Lawyers make a lot of money, bro. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064854) |
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Date: May 16th, 2018 7:28 PM Author: Thriller home I've been asking this question myself a lot since we are looking at condos and are just about priced out of the market.
I told my loan officer that a crash or major correction has to be coming soon because I'm making twice the average income and can't afford shit.
So then I say that the people who are getting mortgages right now must be maxed out....
He said, "If these people *sneeze* they'll default." |
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Date: May 16th, 2018 7:30 PM Author: Orange box office ape Sounds like a responsible loan officer (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064884) |
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Date: May 16th, 2018 7:31 PM Author: Thriller home He's a good bro. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064890) |
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Date: May 16th, 2018 7:29 PM Author: high-end mediation halford paying the mortgage isn't as hard as somehow saving $150K-200K for a down payment without parental help. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064872) |
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Date: May 16th, 2018 7:30 PM Author: Big amethyst cruise ship I've never put a down payment on a home. Have bought 3 of them. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064881) |
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Date: May 16th, 2018 7:31 PM Author: Indigo stubborn station really depends how old you are.
200k gets you a 1mm house, and that means you're likely at least 30 or so. most lolyers on here should easily have 200k saved up.
the problem is affording 4k+ per months when your wife decides to quit working. |
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Date: May 16th, 2018 7:34 PM Author: high-end mediation halford Most people graduating from law school at 25 with student loans are not saving $200K in liquid assets in 5 years. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064907) |
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Date: May 16th, 2018 7:36 PM Author: Indigo stubborn station they should have that by 33 though, no? especially with a wife who's likely been working since 22? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064922) |
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Date: May 16th, 2018 7:38 PM Author: high-end mediation halford lol at your wife saving properly for the 5 years between 22 and 27 before you meet her and smack her into fiscal responsibility. You should be happy that your future wife is not still taking money from her parents at 27. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064937) |
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Date: May 16th, 2018 7:41 PM Author: Fishy address (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064961) |
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Date: May 16th, 2018 7:43 PM Author: rambunctious seedy school sweet tailpipe (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064977) |
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Date: May 16th, 2018 7:44 PM Author: Indigo stubborn station (when i met my wife she was 24, making 300+ per year, and paying 1400 per month rent)
i'm the irresponsible one. |
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Date: May 16th, 2018 7:47 PM Author: Indigo stubborn station to be fair she hasn't made 300 since that year lol (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065003) |
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Date: May 16th, 2018 7:47 PM Author: high-end mediation halford what was his name before the transition? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065008) |
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Date: May 16th, 2018 7:48 PM Author: Indigo stubborn station i wish man (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065012) |
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Date: May 17th, 2018 12:06 AM Author: Cracking Stead Legend (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066771) |
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Date: May 17th, 2018 11:08 AM Author: Charismatic blathering headpube (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068717) |
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Date: May 17th, 2018 10:49 AM Author: Gaped Prole Property TCR. A wife starting with zero savings rather than 100k in debt is a huge head start. LJL at a hot 25 year old birdbrain having ANY savings AT ALL. Of all my wife's friends (good looking girls from a good school), ONE of them (a BCG consultant) saved any money in the post-college pre-wedding years. The rest of them live paycheck to paycheck plus whatever their parents give them plus credit card debt plus student loans. It really is insane. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068544) |
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Date: May 16th, 2018 7:33 PM Author: Hilarious arousing set above $300k HHI it's not that hard, honestly.
we netted about $14k per month. saved about half per month. $85k just with paychecks in one year, then threw in all of our bonuses at it. that got us close, then her dad threw in $50k. |
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Date: May 16th, 2018 7:36 PM Author: high-end mediation halford most young people are not making 300K HHI for a while unless you both happen to be in biglaw, finance, tech, etc. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064918) |
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Date: May 16th, 2018 7:38 PM Author: Hilarious arousing set we're young professionals in our late 20s/early 30s.
now that down payment didn't get us as much it used to, but we were able to buy a fucking house.
even at 200k HHI you should be able to get there in 2 years. |
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Date: May 16th, 2018 7:41 PM Author: high-end mediation halford Congrats on beating your wife into fiscal discipline. My wife is not bad, but I was already making plenty of money when we met so there was never a shared struggle to cut costs.
Of course I just spent $1100 to fly to FUCKING PHILADELPHIA for memorial day weekend because I waited too long to book a ticket, so I can't bitch at her too much about buying a pair of $40 pants or a new sweater every week. |
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Date: May 16th, 2018 7:46 PM Author: Hilarious arousing set (travel shrew) (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064996) |
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Date: May 16th, 2018 7:47 PM Author: Indigo stubborn station jesus christ where are you flying from (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065009) |
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Date: May 16th, 2018 7:52 PM Author: high-end mediation halford LAX. I have to leave after 5 pm on Monday.
I don't know what the fuck happened to pricing - 2 weeks is usually okay to not get totally fucked. |
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Date: May 16th, 2018 7:54 PM Author: Emerald stage MEMORIAL DAY WEEKEND AT THE LAST MINUTE WHO COULD'VE KNOWN?! (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065049) |
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Date: May 16th, 2018 7:56 PM Author: high-end mediation halford 2 weeks is not last minute. and this is fucking Philadelphia. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065062) |
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Date: May 17th, 2018 12:05 AM Author: Cracking Stead Legend Philly is near a lot of other cities, you should have flown in somewhere close and drove. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066761) |
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Date: May 17th, 2018 10:50 AM Author: Gaped Prole Property 2 weeks is last minute for a long weekend dummy (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068553) |
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Date: May 16th, 2018 7:52 PM Author: Razzle Tan Point Goal In Life Lol, this essentially proves Earl's point. Saving $7,000 per month in that scenario is only possible if their are no substantial student loans. Even if both people had full scholies (rare), they likely had significant parental help to pay for living costs, etc.
Then the dad "just threw in $50,000" like it was no big deal. In other words, both you and your wife easily had financial help to the tune of 150-200k, even if it was not all in the form of a down payment.
Contrast your situation with a couple that at least has six figures of student debt (very common) and has no financial help from their parents for any of the down payment. Then it's not nearly as easy to come up with $200k as you make it sound. |
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Date: May 17th, 2018 12:23 AM Author: Hilarious arousing set LOL you don’t know us
The point was we could’ve saved $170k in two years, easily, with just our own income. And at $7k per month we live very comfortably in LA. |
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Date: May 17th, 2018 12:57 AM Author: Razzle Tan Point Goal In Life Your numbers don't add up, but I don't really give a shit. Earl's point was a 200k down-payment is not easy for most people without parental help. Your grand rebuttal is declaring that it is in fact "easy," while admitting that you and your wife got significant financial help. Got it. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066996) |
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Date: May 17th, 2018 1:44 AM Author: Hilarious arousing set 14x12 = 168
7x12 = 84
$84 saved per year x 2 = 168.
this doesn’t even include bonuses.
I’m saying it’s easy to do it in 2 years with our incomes. And without including parental help, which allowed us to buy after one year of saving instead of 2. You seem mad, everything ok? |
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Date: May 17th, 2018 10:52 AM Author: Gaped Prole Property LJL at any argument about saving money that contains the word "could have."
It's a lot easier to say you COULD save than to do it. Shit always comes up, especially when you are young and there are non-stop weddings to travel to, furniture to buy, etc. |
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Date: May 16th, 2018 7:36 PM Author: ruddy alcoholic native meanwhile a bro my age jsut bought a $4M house. fuck me. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064924) |
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Date: May 16th, 2018 7:39 PM Author: Indigo stubborn station (JJC) (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064946) |
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Date: May 16th, 2018 7:37 PM Author: Vigorous indian lodge https://www.trulia.com/p/oh/shaker-heights/23199-hardwick-rd-shaker-heights-oh-44122--2045711334 (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064933) |
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Date: May 16th, 2018 7:40 PM Author: Geriatric provocative fortuitous meteor idea he suggested Exactly, thank you (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36064952) |
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Date: May 16th, 2018 7:48 PM Author: Poppy Windowlicker Tell me about SHAKER HEIGHTS, brother. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065015) |
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Date: May 16th, 2018 7:52 PM Author: Vigorous indian lodge http://autoadmit.com/thread.php?thread_id=3972411&mc=44&forum_id=2 (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36065037) |
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Date: May 16th, 2018 11:49 PM Author: Charismatic blathering headpube Single bro? Mortgages are for married people with dual incomes. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066639) |
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Date: May 16th, 2018 11:51 PM Author: Poppy Windowlicker (not 60s bro) (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066648) |
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Date: May 16th, 2018 11:58 PM Author: Charismatic blathering headpube The world looks very different for Boomers. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066705) |
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Date: May 17th, 2018 12:04 AM Author: Infuriating sickened half-breed Right, back when interest rates were double digits and unemployment was double what it is now. The only time it was better in America than now was the 90s. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066755) |
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Date: May 17th, 2018 12:13 AM Author: Poppy Windowlicker 60s mortgage rates were about 6 to 8.
Unemployment was about 5. |
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Date: May 17th, 2018 10:19 AM Author: Charismatic blathering headpube Protip: a lot of that shit was factory workers losing their jobs, not white collar professionals that couldn't get shit like today. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068247) |
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Date: May 17th, 2018 12:05 AM Author: Painfully honest coral gas station tank (Steven Eisman) (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066764) |
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Date: May 17th, 2018 12:07 AM Author: Cracking Stead Legend Earl gives good advice in these threads, but you guys rarely listen. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066774) |
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Date: May 17th, 2018 12:16 AM Author: bearded fighting garrison should anyone buy in 2018 along the coasts? (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066836) |
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Date: May 17th, 2018 8:50 AM Author: Charismatic blathering headpube Depends entirely on circumstances. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36067672) |
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Date: May 17th, 2018 12:19 AM Author: excitant fat ankles antidepressant drug guy who has been renting for his entire adult life here, sup (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36066851) |
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Date: May 17th, 2018 10:27 AM Author: Charismatic blathering headpube Well yeah, you can't afford to buy anything, aren't in a relationship, and generally, aren't really on the way to an adult lifestyle. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068305) |
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Date: May 17th, 2018 10:49 AM Author: irate exhilarant scourge upon the earth earl's right, mortgage isn't hard since they stretch it 30 years.
the hardest part is the down payment. most kids CAN THEORETICALLY save that much when they make $300k+, but reality isn't the same as theory.
people i know making $300k+ tend to spend more when they get around $100k in savings and start being loose with their money. those with real social lives and massive friend networks will realize the pressures of having fun or living life. one month it's a giant bday party, another month you have 2 weddings. then there's a big vacation. group vegas trip where you lost $1k and it's no big deal. getting drunk and getting bottle service the next month. It adds up.
but yes if you can theoretically work and live like a robot where you tell your friends to fuck off and beeline home when you hit a certain $300 weekend budget, then the math works. but 90% of people don't live that way. |
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Date: May 17th, 2018 10:54 AM Author: Gaped Prole Property (guy who gets it)
LJL at the 80k dumbass monks here imagining what it would be like to earn 300k |
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Date: May 17th, 2018 11:33 AM Author: Charismatic blathering headpube Right. The actual mortgage payment isn't much more than rent on a decent place. You're talking like $4k/month including taxes and insurance. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36068936) |
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Date: May 17th, 2018 4:32 PM Author: Emerald stage https://projects.seattletimes.com/2018/how-to-buy-a-home/ Gotta be 24 miles away to get under 400k. |
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Date: May 17th, 2018 5:20 PM Author: Charismatic blathering headpube The only news there is that Seattle now has big city home prices, which everyone has known for years. (http://www.autoadmit.com/thread.php?thread_id=3978616&forum_id=2#36071623) |