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Yeah, you Color Queen Freddie Mercury Shirt be spending yours. The ’20s eating ramen and staying home just so you can finally have that house that you’ll put tens of thousands into yearly. Then in a decade, you might be marginally better off than anyone else all costs considered, unless of course, we have another recession then you might be totally fucked. If a person rents, they can save the difference in monthly payments/costs in an index fund. This has historically returned 7% or 2-3% after inflation. This is usually better (results in a higher net worth) than buying a house because primary residences are almost never investments, despite people calling them that wishfully.

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Ideally, sure, but Color Queen Freddie Mercury Shirt if not most people. Will has some lifestyle creep instead of saving, and I’d also wager that. A whole lot of younger people are still saddled with a bit of debt even as they’re considering purchasing a house. Which I suppose could mean better returns than 2-3% inflation-adjusted. Depending on the kind of debt and the rate it corresponds to. I’d also make the argument that buying an HOA property is a really stupid thing to do. And that if you buy a house with more bedrooms than you need you can probably find a renter. Who will cover some portion of your mortgage and utilities, effectively reducing your monthly expenditure? And/or overpaying your minimum PITI payment to drastically reduce the amount of interest you will end up paying over the life of your mortgage note.

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Anyway, last year, I discovered zero-based budgeting. I finally have a mental framework for how to manage my money, which is great. It turns out that even as I adjust my habits to spend my money more effectively, it’s going to take another 10 to 15 years before I can get into a home in a responsible fashion. I’ve got VA loans as an option, and I’ve looked into some of my other options for getting into a home faster, but in order to go into it with. Any of the recommendations like having 20% down. Or even 10% down, it’s going to be a very long time. I learned how to balance a checkbook, which I have definitely needed in the dozen checks I’ve written in the 35 years I’ve been alive. Nothing about how to manage income versus expenses, nothing like that.

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