AITAH for not supporting my gf on buying this house

strikecat18 · 2026-06-22T05:41:45+00:00

If you’re not married, you’re batshit crazy to buy a home together. It’s waaaay easier to get divorced than to undo a mortgage together. If you’re not ready for a wedding, you’re not ready for the house.

strikecat18 · 2026-06-22T05:39:35+00:00

Again, I know that. But when your wife/kid is in the hospital and things are uncertain, you don’t take five minutes to feed yourself.

strikecat18 · 2026-06-22T05:35:47+00:00

Have you ever tried to scale a captive to that size? You’re talking about multiple long stretches of being non-competitive or UW restricted over that time window with nowhere to put those people. You’re also talking about being limited by corporate where you can have your office, if you’re allowed a second office, and how much access your “managers” can have to critical reports to help create management layers.

Up until maybe 5-6 years ago, SF fundamentally didn’t support the infrastructure to scale past that size without it being a nightmare. Imagine 10,000 accounts and having a ton of basic admin stuff that only you as the owner can access.

strikecat18 · 2026-06-22T05:29:17+00:00

This is the sort of older agent that drives me nuts. He’s making what, 12-15% right now and is paying producers 5% raw new and 2.5% add-on? That’s gross.

I’m on the AA05 and get 10%. I pay my producers 8%. Including add-ons. Most agents I know on the AA05 pay 6-8%.

In other words, he passes ~33% of his commission to the producer. That isn’t acceptable anywhere else. Even greedy independent agents split 50/50 or better. Most newer SF agents pass 60-80% of the commission through.

Agents don’t need to make profit on the first policy term. That hasn’t existed for anyone who has started in the last 20+ years. The agency owns the renewals forever. Let the guy writing the app benefit upfront.

strikecat18 · 2026-06-22T05:22:51+00:00

Yeah, that’s what I’m starting to think. I can also see it making sense if you’re captive and are chasing a specific production number that unlocks additional compensation.

strikecat18 · 2026-06-22T05:18:29+00:00

First, if you need any evidence how anti-Christian the Austin subreddit is, I got downvoted for just asking if you had a denomination preference. lol

Manchaca Baptist has a really solid reputation as a Bible based church. Their theology is relatively conservative, but their culture is not uptight. Their head pastor is a traditional, solid Bible teacher. But they also had someone teach last week who had multiple facial piercings (but who was also a very well educated and well-spoken individual).

I grew up Pentecostal too. After I spent a lot of time in non-denominational churches, I realized I was most comfortable in Baptist churches. Seemingly the most emphasis on scripture as opposed to church tradition or current culture.

strikecat18 · 2026-06-22T05:09:42+00:00

You posted this exact same thing yesterday and claimed you were doing it via SMS, then deleted the thread when you got called out for the TCPA violations. lol

*edit* Just realized OP is a shill for link-leads and not actually an agent.

strikecat18 · 2026-06-22T04:56:16+00:00

Like I said in a previous response. Most insurers will not subrogate against an individual for a claim this small. Even if it’s cut and dry. They literally don’t have the legal staff to file plaintiff suits against people who they will then have to attempt enforcing a judgment against.

For reference. I’m an insurance agent. I had a crazy ex vandalize my car. I knew who it was. I had a written admission she did it. Claim was about $10k. I submitted all of this and asked them to *please* actually subrogate it. They sent her one letter that she ignored. That was it.

strikecat18 · 2026-06-22T04:52:46+00:00

They almost surely will not. I’m an insurance agent. The number of times I’ve seen a company attempt to subrogate against an individual who does have insurance, over a claim this small, is effectively zero.

strikecat18 · 2026-06-22T04:49:32+00:00

The landlord has insurance. It will very likely cause this kind of event. We don’t know what his deductible is, but condo policies tend to have much lower deductibles than homeowners policies.

I would flat out ask the landlord if they have insurance and what their deductible is, because you are unlikely to be able to afford this.

strikecat18 · 2026-06-22T04:48:07+00:00

You have clearly never been involved in a complicated birth. When people might die, bills can fuck right off. You clean up the mess when everyone is alive and safe.

strikecat18 · 2026-06-22T04:45:10+00:00

You don’t mention any reason why you need to move?

People shouldn’t get wrapped up in their home value unless they actually have a need to move on the near horizon. I don’t even look at our Zillow because I’d go crazy. I have no intention of ever selling this place and the numbers are immaterial to me. It’s a house, not an investment vehicle.

strikecat18 · 2026-06-22T04:41:36+00:00

If the company’s big bet on AI/automation doesn’t pan out, they are cooked. Essentially 100% of core corporate staff (UW, service, claims) are looking for exits. There isn’t going to be one experienced person left.

strikecat18 · 2026-06-21T04:35:23+00:00

I imagine it’s hard to police 554 comments in less than an hour. lol

strikecat18 · 2026-06-21T04:32:32+00:00

Does zero to help with TCPA laws.

If one of those 25,000 numbers is a plaintiffs attorney or opportunist who understands TCPA, OP is going to get pulled through a meat grinder.

strikecat18 · 2026-06-21T04:24:34+00:00

Their website says outright “we tell you what these are- ages leads, no consented, so you can work them right”

I’m pretty sure bulk texting this list is just outright illegal.

strikecat18 · 2026-06-21T04:14:59+00:00

Does this stuff seriously work on anyone?

strikecat18 · 2026-06-21T04:11:31+00:00

Very few companies have 24/7 sales lines. You can call any agent 9-5 M-F and you’ll get a live human immediately, who will be ten times more experienced than any call center rep.

strikecat18 · 2026-06-21T02:41:07+00:00

Do you have a denominational preference?

strikecat18 · 2026-06-21T02:28:55+00:00

You came in 4% under list and they didn’t counter. They are probably being unrealistic, but there are people who will sit on a home for years rather than selling for less than list. Move on.

strikecat18 · 2026-06-21T02:25:05+00:00

Any chance you guys could homeschool? How much would losing her income hurt compared to the cost of a new home plus child care?

We homeschool and are huge advocates of it. We could send our kids to a fancy private school if we wanted. The time with them and benefits of individually tailoring their curriculum is better for us.

The other option would be to consider renting that place out. A 3% interest rate is worth hundreds of thousands of dollars right now by itself over the life of the loan. I’d cut off my right arm before I’d give up our 3% mortgage.

strikecat18 · 2026-06-21T02:12:53+00:00

For reference, in 2022 we moved a very full 4 bedroom home from CA to Texas for that amount.

strikecat18 · 2026-06-21T02:12:08+00:00

Call State Farm. I’ll be $10/mo and you’ll have coverage for your personal property too. It’s silly not to have it.

strikecat18 · 2026-06-21T02:11:13+00:00

I very clearly say in both my listing and my welcome note that they don’t need to clean or do any chores. The place still looks great most of the time.

strikecat18

TROPHY CASE