this post was submitted on 19 Dec 2023
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As someone who was 24 at the time, and probably the perfect age to buy one if it was my parents' generation, I was nowhere near ready to buy a house still... honestly, 23-30 were the best years of my life, then I got married and brought one in 2014, which was still semi decent to buy at the time. It was super hard, though, and I have no idea how all these people today are somehow paying above asking price in cash or getting mortgages paying crazy amounts over asking with these interest rates! Either I did things completely wrong in life or these bad decisions people are making today will come full circle a few years from now.
My wife and I just cancelled buying a home because we took a step back and realized that $2700 for living in a house is crazy. And of course the mortgage company is telling us we can afford it. After expenses, we would have no room left to budget for starting a family. Especially with medical care costs. I'm not sure how we're gonna make it work unless prices come down significantly.
2700 is a lot. But if your lender thinks you can handle it, that means you have *some *deposable income. I think you shouldn't buy a house, but invest some in the SP500 or some government bonds. Putting money away for your future greatly helps you grow some equality.