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this post was submitted on 11 Sep 2023
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with the help of your wealthy parents as cosigners and an income of $150k a year or more
I have no cosigners on my loan and my parents aren't all that wealthy, not that it matters unless you count the socks I get each christmas as a gift from them large enough to warrant such financial relief.
And I make around 30k a year (4-day workweek btw, excluding summer months) and am single.
Like I said I too was surprised at how easy it was, literally try it before knocking. Though admittedly interest rates were much easier a few years back when I applied for the loan, so that probably changes your mileage.
Silly us, if course your personal experience is a more valuable data point than years of tracking on home prices vs incomes ๐
Just adding context to it all, buying a house is entirely possible without too much effort and I doubt many of the doomers here have actually tried to own a home. I get the sentiment and how easy it is to fall to despair but try it before you knock it.
If that motivational speech doesn't get your gears on a roll, let me remind you that by paying rent you are literally feeding the parasites known as landlords, rewarding them for fucking you over, and positively reinforcing that leechy lifestyle they live. Make an effort to be your own lord and fuck yourself over.
Peace
What is "too much effort" to others is definitely not the same as "too much effort" to you.
Are you above the median income for your age group? If so then your not too much effort could easily be way too much effort for more than half the people in your age group.
Checked the stats and I did slightly less than median income of my age group then (~2500โฌ/month vs a median of 2966โฌ/month). And honestly my effort was to home cook as much as I could and not spend money on things I didn't need. The unironic boomer-tips I know, but it worked.
Maybe my distaste for avocado toast was enough in the end.
As someone who just bought a house this year. I think your case is an outlier. My wife and I make decent money, and didn't want anything too big. But it still took 3+ years of saving and living in a sketchy part of town just to get a down payment. As rent was increasing and the market was increasing. It would be entirely impossible for someone who is barely scraping by to afford a down payment on a house in a metro or suburb.
It'd be interesting to compare budgets. Not because I want to lecture anyone on avocado toasts and netflix subscriptions but I find it really difficult to figure out where your money goes. I mean I know folks in the US (which I assume yous are from) pay more in weird shit like insurances and stuff that's mostly granted by social services here, but my income is way lower especially compared to tax rate which provides those services. And just for reference my mates who want to own a house, own a house. Some of them are still moving a every now and then from town to town so it makes sense to stay on rent but yeah I started this thread on the point that it doesn't take much effort into getting a house.
Just like your attempt at winning an argument dude took the reigns and fucked himself over, people like this are the ones that rarely can take it on the chin, Jesus that's sad.
My man are you good? There is no argument, I'm not yelling at you for not being a houseowner or arguing for or against any philosophical or political ideology lmao. I'm just saying it's entirely possible to buy a home, while acknowledging that it's super easy to fall into despair like I did. If you choose to not try then don't, it's just sad to see you rather help your Lord to live a wealthier lifestyle.
Why you decide to be mad at me is something I really don't understand but it's fine.