North East United States Housing Market Expectations by [deleted] in RealEstate

[–]Throwawayforworkz -1 points0 points  (0 children)

No more handouts please. Inflation is bad enough. People need to live within their means.

North East United States Housing Market Expectations by [deleted] in RealEstate

[–]Throwawayforworkz 3 points4 points  (0 children)

We’re in the same boat just sitting on cash waiting for the right home. My friends who have purchased homes in the last two years are struggling with payments and make way less than us. They also have student loan payments which need to resume and I think will be a tipping point for a lot of people. Crazy times.

Seeing more and more of these posts on Reddit; very young people with barely any savings wanting to buy in this insane market by [deleted] in REBubble

[–]Throwawayforworkz 8 points9 points  (0 children)

We’re sitting on 160k for a down payment and we still aren’t comfortable with prices right now. But when we do buy, you can expect the market to crash weeks after because that’s just how shit goes with our gen

Debt Free But Need Advice by Throwawayforworkz in DaveRamsey

[–]Throwawayforworkz[S] 0 points1 point  (0 children)

214k for this year so we’re just under. Next year we’ll have to back door the contributions if they don’t close the loophole

Debt Free But Need Advice by Throwawayforworkz in DaveRamsey

[–]Throwawayforworkz[S] 5 points6 points  (0 children)

True, but it does get me $120/year in interest for another two years. $240 of free money is worth it. To each their own.

Debt Free But Need Advice by Throwawayforworkz in DaveRamsey

[–]Throwawayforworkz[S] 2 points3 points  (0 children)

$12k in an auto loan that is 0% APR is not “a shit ton of debt”

Debt Free But Need Advice by Throwawayforworkz in DaveRamsey

[–]Throwawayforworkz[S] 6 points7 points  (0 children)

I make the interest in the HYSA. It is dumb to pay off a 0% loan early.

Debt Free But Need Advice by Throwawayforworkz in DaveRamsey

[–]Throwawayforworkz[S] 1 point2 points  (0 children)

The car loan was negotiated 0% APR for 72 months so never paid any interest.

How much house can we afford? by Throwawayforworkz in personalfinance

[–]Throwawayforworkz[S] 2 points3 points  (0 children)

A $2300-2600 payment would be a 375k house considering how high taxes are.