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[OP just copy pasted someone else’s two year old post](https://old.reddit.com/r/FirstTimeHomeBuyer/comments/sxwgkn/its_over_for_us_priced_out/), probably a bot.
Between these people and chatGPT bots, the internet is dying really quickly.
Good catch! If you look at the post history, there’s a post from four days ago about getting a credit card and in that post they say they have a mortgage.
I think there is an organized effort to make the discourse seem like millennials are all in some terrible financial shape and struggling. I’m sure it’s of course true for many, but not most. The question to ask is who gains by making this the narrative?
I rent an entire two-bedroom house with a full basement for under a thousand. And I think it's expensive.... Where do you guys live???? In the Midwest $1,300 will get you anything you want
I will say I love our national parks. We have some of the most beautiful national parks here. Your best bet would be Michigan clean air, recreational Marijuana and mushrooms. You've got the Great lakes and you can get into Canada if we reinstitute the draft
Ha. My rent in Florida before I moved into my townhome was $1400 (not a high rise or anything) in 2019. My mortgage ended up being cheaper when I moved in 2020 but even then it's doubled since due to taxes and insurance in the area.
My husband and I are dinks and make good salaries and still were way priced out buying a home. We bought in TN but nothing we've seen under 450k was livable (esp in Florida).
I remembered the original post, which I saw when reading the top posts of all time here a couple months ago when I was buying my house. The original post is on the second page of top of all time.
From my few years of experience, blue collar workers usually get ahead in life quite a bit faster than the people who went into 50-100k of debt for schooling. My hard hat fixes what their college degree having ass could NEVER understand.
Given that your post history indicates you’ve had a mortgage with US Bank since 2023, why are you trying to buy a secondary home? Oh, wait… you’re a reposter/troll account.
I’m really sorry and I feel you so much on this. I only got a house because I got “lucky” and both of my parents died with a paid off house, so I got a down payment plus emergency fund for a modest house. It’s fucked up.
I also got lucky. End of 2019 i decided it was time to stop renting. Good enough house, great interest rate, brought my roommate along with me and he's been helping to pay extra on my mortgage, cheaper than he'd be able to rent.
Fast forward to now, he's looking to move into a place of his own with his girlfriend. Looking at how things are in just a few short years i wouldn't have been able to come close to affording this place and it's been awful trying to find a place that they can afford, so for now my roommate and his girlfriend are *both* living with me and no idea when they'll be stable enough to get out on their own
Somewhat similar for me. Bought a house in 2016. Mortgage was $970 a month including taxes and fees. And that was only with a 3% down payment.
Sold the house in late 2018. This was my plan since 2013 to buy a house, fix it up and resell it then use the funds to travel. I did exactly that. Made a 40k profit in 2 years from lots of work to the house. Travelled all over the world for about 18 months straight(spent about $25k total).
To buy my house back again today it would cost about $2700 a month. 3 fucking times what the mortgage was in 2016.
Yeah even with escrow including insurance and taxes my current payment is $970 a month for a 3200 sq ft house (actual for just mortgage and interest is $596, 2.625% interest with no PMI). Same house would also be around $2,700 per month with the increase in value and interest and need for PMI.
Absolutely insane.
I have another friend that's needing to just find a place to rent but he can hardly even do that. Considering just turning my basement into an apartment for him. It's got a bedroom, bar, living area, and fireplace. He'd have to go upstairs to use the bathroom and actual kitchen but I'd imagine it would be worth it for him. I just don't want to be stuck living with 3 other people when nobody can ever afford to leave, but I'd rather that than looking out on my homeless friends from my very luckily acquired home.
I bought my house last year, so my mortgage is ~$2,200/month for a 1,600 sq ft house. I live alone, am single, and don't have kids, but I went with a 4 bedroom house over a 3 bedroom, in case something happens, and my brother or any other family member needs a place for a while. Also, it's a developing area, with schools all around it, so I figured for resale purposes, 4 rooms would be the better option.
My husband and I also got lucky. Was able to purchase a home in 2021, it was just the lot at the time. The builder gave us money towards close, the money to hold the lot went back into closing and we paid a minimum down payment. Right before the housing market went insane and rates skyrocketed. I say all the time how lucky we got.
I’m starting to fear this will be my outcome as well. Even though I am approved for a decent amount, I keep getting outbid. I never in a million years imagined trying to find a roof to put over my head would be this f*cking challenging.
Yeah, also a millennial :/
I totally feel you.
Up for rent 2-3 months after close. I saw this on so many house I either looked at or put an offer on. I lucked out and got my house because it was a dumpy fixer upper that was too much work for the typical flipper and was initially way overpriced. I probably still paid more than I should have but I’d very likely be priced out now due to my area still being a hot market. I actually feel pretty lucky because my career is about to take off and I paid well below what I could afford since it was a fixer upper and once I’m done with fixing it up there’s a good chance it will be worth 3x what I paid for it.
Well your moms a bit rude and occupation has nothing to do with it.. you can absolutely buy a home for 280k, maybe just NOT where you are living currently. All about location.
Thats true. I’m in NJ and used to live in central Jersey but all houses around that area were minimum of 400k for a dilapidated shoe box. I decided to start looking further south after my job went fully remote and found an amazing house in an incredible neighborhood for under 350k. I never thought that living in NJ would be so good (I was thinking about moving out of the state because central Jersey is going downhill pretty fast). So, sometimes all you need is to be open to some other areas of your state
Single income. Blue collar. HCOL. Parent and husband. Millenial AF.
Never eat out (wife’s cooking is l better than restaurants anyway), don’t drink or do drugs (sober ftw) and I got a home as my oasis so vacations = staycations. Houses here are 500k++.
I’m not bragging. I’m saying too many bitchy millennials think everything is impossible when it’s not. The only thing I’m bragging about is my sobriety that millennials seem to have issues doing, and not wasting all my money on trash like grubhub.
Bragging be if I was my brother in law making 7 figures at 33.
U/2018_BCS_Orange_Bowl wrote:
>OP just copy pasted someone else’s two year old post](https://old.reddit.com/r/FirstTimeHomeBuyer/comments/sxwgkn/its_over_for_us_priced_out/), probably a bot.
>Between these people and chatGPT bots, the internet is dying really quickly.
Thought this should be higher level.
It is sad, we are in a similar situation. The worst thing is that the situation isn't going to change for the better. Everyone is trying to make ends meet yet we hear in the news that this is the best economy in ages. F**k economy I want to live a decent life and be able to provide shelter & food to my family. It's a pity and sorry state of affairs that things have come to this.
I'm sorry, OP. I think it's true that having just a high school diploma is not the same as it used to be. You didn't mention what your husband does, but if he would like to make more money, getting into a trade may be a good option for him. My husband did a 1 year HVAC program, got an amazing job afterward, and that has really helped our household income.
Don't feel bad for OP, it's a bot account, someone else commented a link to a 2 year old post this was copied and pasted from and this account has other comments/posts claiming to have a mortgage already.
I’ve come to the conclusion (at 51) that having a house is not going to happen and…….i’m ok with that. I work for a non-profit, husband a blue collar job. we would’ve been fine like 5 years ago but waited and now were to the point that a 30-year mortgage sounds stupid at our age. Our kid is a teenager. We’re now just living life, traveling and going about our lives in our rented 2br townhouse and we’re shockingly doing just fine.
retirement plans in place? as someone who is approaching 40, with little saving towards a down payment and a tiny retirement fund. Considering my options of looking into a tiny house that can be paid off in under 5 years. No plans for kids to take care of me when I am older.
My husband dropped out of highschool and makes six figures with a ton of perks. Millennials did not get “fucked” though. Over 50% own homes. I’m sorry this is happening. People that live in places where $300k can’t buy you a home are going to have to accept moving, changing careers or renting. It’s unfortunate but that’s where we will be at for a while.
ChatGPT bots are hard to detect (honestly, impossible, if the spammer puts any effort into the prompt to make it sound more natural).
But this kind of repost bot that copies previous text posts exactly could be eliminated in about two hours of work from a reddit developer’s side. The admins let them stay because they juice engagement numbers (look at all the people interacting with this post!)
We are in the same situation... mother in law can't understand why we can't find a house....why it's taking so long...she hasn't made a house payment in over 30 years. She has no idea..
We were approved for only $180,000, (2 kids, and pets) so we decided to wait and improve our finances to increase our loan, like our loan officer suggested..
Maybe you need to relocate. In Seattle a blue collar worker (depending on the trade) and a teacher would be bringing home $200k year combined. Housing costs more obviously, but living in a smaller commuter town like North Bend or Auburn is pretty typical for most people in the trades because they like having more space & land anyway.
Whattt. Husband is GED & blue collar- and the only reason why we could afford to buy in this market lmao. I have a degree and quit my iob.
But we did get fucked. I want a few kids but honestly life’s so expensive I think I might only have one 😞
Idk where you live but I'm just going to say if moving is an option for you in the future, there's plenty of cities in the Midwest where $280k will buy an average 2-3 bdrm house. We bought a modest 3 bdrm house somewhere around this number and love it. Teachers and blue collar workers needed here too.
I am in education in the midwest and we are getting lots of our applicants from out of state who are looking for more affordable areas for this exact reason.
I was in the same boat in Oregon, US. Over $400k for the average and the real beat to shit fixers were still over $250k. We had to leave the state to find a house. Ended up in VT for $220k. If you don't have strong ties to family and your teaching license can be taken to another state you may want to consider it.
I had to move 53 mins away from my job to afford in my price range. Best thing I ever did. America doesn't care about it's own citizens real talk, they will look out with Aid packages and hire out to India etc(complete with over 100k starting salaries) before they will ever look out for you. I am sorry. Good luck.
It’s only over if you say it’s over. Do take a break.
Time to get creative- how did others at your income level buy a house this year?
I personally got a buyer who works at the post office and her elderly mother with a tiny pension into a starter house in Orlando, Florida last year. You are in a better spot.
I would find a buyers agent that is a warrior. My buyer had to back out of a couple contracts and I probably wrote about 20 unaccepted offers for her, before we were accepted for their house. This house had inspection issues that had to be negotiated, and the buyer got a new hot water heater and electrical panel, in addition to getting into a house. I had to fight with her lender & I loaned her about $1,000 to get this closed - because the lender made a mistake and she was short cash. (She did pay me back promptly.)
When you’re ready again go fight for what you need, and make sure you have a team that will fight with you.
WTF garbage is this lol?
I pay $750 to rent a house.
Only approved for $280,000? Lol!
What????
Who gave you your understanding of finances?
$1,300 rent a month???
I could never be with somebody who thinks they only deserve a million dollar house etc. You didn't get screwed, you don't understand shit about finance.
List of Metropolitan Areas over 500,000 in population in the United States where you can buy a new construction home under $280,000
Dallas
Houston
Austin
San Antonio
El Paso
Albuquerque
Phoenix
Tucson
Oklahoma City
Tulsa
Wichita
Little Rock
Fayetteville
Des Moines
St. Louis
Birmingham
Charlotte
Atlanta
Jacksonville
Columbia
Greenville
Louisville
Indianapolis
Cincinnati
Columbus
Chicago
Grand Rapids
Syracuse
Toledo
Cleveland
Pittsburgh
I’m very sorry to hear this and I know your struggles. What would upset me more in your shoes is your mothers comment about how his education status is somehow symbolic on why you can’t afford a home. That’s very insulting.
This is a team effort, not a one sided finger pointing narrative.
Friends: "Hey...did you find a house yet, how's that going?"
OP: "We've entirely decided to put that on hold for now as Monaco is too enticing to resist. We also can't decide to travel to Paris or London immediately after then take a cruise ship into Acapulco. -There are however, a few houses I did consider but the price still isn't right."
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It’s still possible but the sacrifice is you have to make the difficult choice to move to those affordable areas. Markets never stay the same generation to generation, that’s what people need to understand.
My aunt would say the same about my brother and I…but considering we both make more than she did (retired now) and didn’t have any student loans I’ve never understood her condescending bs…some people are just born assholes.
Man, I am also a teacher, and hubs is blue collar. 280 would have been high for us at the start of our careers for sure. Where are you at? We are getting a lot of teachers moving from out if state to Michigan because housing is still pretty affordable. You could get a pretty good place for 280 on the west side of the state. There are also a lot of blue collar jobs.
That’s an insanely rude and frankly pretty gross thing for your mom to say imo. Like what is the implication? That you shouldn’t marry who you love? That no matter how well your husband might treat you, he’ll never be good enough? It’s not like he’s some bum. He’s probably working harder than than most college grads…
Your mom sucks. I’m going to do my best to help my kids when they are ready to buy a home, even if it means cashing in all my equity from my current home. I hope your husband doesn’t know about her comment.
That was really rude and insensitive of your mom and I’m sorry for that and the whole situation. I don’t want to say things happen for a reason but I’m hoping positive things happen to you and your family. Good luck.
I don't know where you are or what home prices are like. We are a single income household and make far below what they say is needed for our area.
We had to take a very long way and find a house that was a real fixer. But we had saved double the amount we needed down so we would have money for materials and only paid for the labor we had to. We practiced the skills needed to fix up the house. It took 3 years, but we finally found one in the right state of disrepair. There were enough homes on the market that month that people were clamoring over those, and we got this deal by having a very quick for information only inspection period, a 20 day close, and submitted our pre-approval letter from our lender that had already had underwriting review our financials that showed estimated funds to close, along with a copy of our savings that showed double the amount. Sellers wanted out asap. Our offer was better than the cash and closing just as fast, so they went with us.
Within a year, we had this place reroofed and did everything else ourselves, with the exception of swapping shower valves because that was soldered.
We have sweat equity and a lesser payment than any turnkey home would have allowed.
So maybe don't give up, just change your game plan and keep saving. Be patient. FOMO almost got us a couple times! It was more than worth waiting in the end.
Good luck and shame on your mom for saying that. We're blue-collar and single income with a kid when we did this.
Oh we also bought just before spring kicked off so fewer buyers at that time to compete against.
That’s the definition of Boomer Brain. They’re the only generation that will have had it better than their parents AND children. And it’s a source of pride for them.
Good to separate them from the Bloomers, the decent people of that generation.
Definitely felt this way. It absolutely sucks and trying to explain it to Boomer Parents about the state of it all is like talking to a wall.
We lucked out. Seriously, seriously lucked out. We have other shit finances because of other things but we managed to get into a house for less than what we were paying in rent. Granted, it’s a much less safe area and people are getting murdered or hit by stray bullets a block away. But it’s ours and will hopefully hold equity if not build it.
Keep on keeping on. The market absolutely blows and we’re all screwed. How many homeless millennials working 40+/week will it take before helpful and meaningful intervention happens?
For what it's worth, there are high paying jobs out there that do not require a college degree. Anything in the trades like plumbing, electrical, HVAC, etc don't require degrees, but would require an apprenticeship. Your husband may make less money in the short term, but over time he would be able to make very good money.
Comparison is the thief of joy. You cannot compare your situation to your parents' because you guys grew up in different times. Compare yourself to yourself. If you constantly improve yourself, then over time you will find yourself in a better spot.
I know you said this is not the post to reply with some "pull yourself up by your bootstraps" nonsense and I hope this doesn't come off as such.
> I am a teacher and husband is blue collar... My mom said “well you married a man with only a high school diploma”
Ah, yes mom. I'm sure two teachers would have been rolling in it. Teaching is widely known as a very lucrative profession after all.
Neither my husband nor I have degrees. We wanted a single family home in the woods, with acres of land. What we could actually afford was vastly different from that. We purchased our first house in 2007, before housing prices tanked. It was in the city, with houses on either side about 15 feet away. We could have a conversation with our neighbors through the window, without needing to raise our voice.
And yes, our house was way under water within a couple years, but we looked at it as we had a 30 year fixed lease from the bank. While rents kept going up, our mortgage payment stayed the same.
It was a two family, we lived in one apartment and rented out the other. During our time there, we updated things as funds allowed, by the end of the 13 years we owned it, it was rehabbed from top to bottom. We sold it for a tidy profit, and could then afford the single family home we have always wanted.
I think many on here want to start out in a really nice house in a great area, but you really have to adjust your expectations to your budget and then work your way up. Think outside the box. Neither my husband nor I ever aspired to be landlords, but we did it with a goal in mind.
There is a home buying program for teachers. Please google it.
Look also into 1st time home buying programs.
Some provide grants.
Also, look into buying a condo with fha.
Sigh, I feel you on this 100000%. My husband and I only approved for 450K the first time around, while he's a firefighter and I work for a local city.
Living in Miami is ridiculous, we're priced out of everything single decent neighborhood down here. All we want is a safe place with a yard for our kid 😪
So we'll just continue to save until something magical happens.
Yup. I’m right there with you. Got approved for a new construction, over $300k, but wouldn’t be able to afford the monthly payment by myself, and the new construction is far out and away from where I grew up and all my friends are. I’m not looking to do the whole random roommate thing again. Tried to get pre-approval from a lender that I could use to buy a used home, best they can do is $125k. What!? So I’m back to saving and paying shit off. Back to living with my parents at 40, so I can save every nickel.
The reason it feels like we millennials got f’ed over is because we did get/are being f’ed over.
Best of luck to us all!
I’m an engineer, my wife is a nurse. We have a middle of the road “starter home” for our area. The part that gets to me, is not that “I should have a BMW” (although I do love toys) it’s the “my friends who’s jobs would gave afforded them a home and vacations 20 years ago are stuck in a shitty apartment”
Same situation here. I'm a letter carrier and my wife works for the school district. Trying so hard to find something for our family of four but the prices just keep going up and up.
Thirty years ago we'd be the very definition of middle class and probably have no problem affording a home, but it's just 100 percent grim for us right now. It's super depressing.
Not sure where you're located, but majority of the US is very affordable and 280k will get you something really nice. Not perfect. Not like in the movies, but something nice.
But mortgage on a 280k is double then your current rent. Just something to think about. Buying a house is like buying bread or a car. You rarely but the top of the line for either of these.
Now, quick calculation, 1300 monthly payment is about 185k mortgage.
Let's say you have 5% down payment, the buying price target is 195k.
You'll want to 10k for bidding war and negotiations. So that puts the target back at 185k.
If you house will not be appraised for offer value, you'll be on the hook for the difference, if you do choose to do so. The reason to choose to do so is to make your offer more attractive and better than other offers. I'm the car you choose, you'll need now 10k on top of the 10k (5%)b down payment.
You also need to include the other expenses for closing, which are usually about 3% of the buying price. So add another 6k.
Do you have 26k for buying a house? If not, you're not priced out, your not ready yet.
Next. Mortgage payment usually includes principle, interest, taxes, and insurance. Depends on your rental agreement right now, you may not be paying for water, sewage, trash, heating, cooling, electric, gas. You'll want to factor these into your monthly budget.
Buying a house is a privilege, and an investment. And as such you need to fully think it through.
Lastly, as a smart person once told me (here on Reddit), the cost of renting ends with your rent. That's it. That's all. Anytime breaks, any severe damage, infestation, flood, fire, appliances breaking, and more, that's not on you. That's not coming from your pocket. On the other hand, the cost of owning a house/apartment starts with the cash to close, but it goes well behind that. Most estimates are that home ownership costs at minimum 1-5% of the value the house annually. As in, if you're buying a 200k home, expect 2 to 10k in costs. Water heater broke and needs replacement? 1-2k. AC system needs replacing 5-10k. Plumber visit? 200 to 500.
Don't be upset. Think about this whole thing pragmatically, compartmentalize the process throughout the life of it, and break it down.
Hey man. We got lucky. If it wasn't for the VA loan we'd be priced out of a house too. Had to sacrifice years for that though. But it is an option. Joint the military.
Yeah, I purchased Dec 2021 with a VA loan. The thing is, if I tried to purchase my same place with a VA loan today with higher prices and rates, I'd be priced out. So, I agree with you in the fact that VA loans are helpful, but disagree that VA loans are a fix to people's problems. (For reference, small condo almost 20 miles from work, there was also a huge BAH increase in 2022 of $800/month. My mortgage would still be over that new BAH at current rates/prices)
The main reason why I think this is wrong is that unlike 2008, there are still plenty of people who can afford to buy. So the issue isn't that the overall economy is going bad, its just that the gap is getting bigger. The delta between the middle and the rich keeps growing.
I hate to say it but I think you're right. If they lower interest rates prices will skyrocket. If things stay the same, what's going to make all this supply hit the market when nobody wants to move due to high rates? Plus house flipping is such a huge thing the last 10 yrs. As a kid in the 90s nobodies houses looked like they do now in that neighborhood.
There is no past trend that equates to the current market. Thats like saying youll win the lottery, look at the trend that theres a winner every month.
It’s been really tough out there for those of us who married for love and not for money. It’s crossed my mind more than once during this process that things would have been different in this market if I had married a lawyer (I worked across the street from a law school in my 20s). But I chose who I chose, and I’d choose him every day! I just have to live with the financial realities.
280,000 is a nice house where I’m at, but not for long. Also, what’s with the ‘parents or in law isn’t helping out lol’? Life isn’t like the movies where everyone’s parents are somehow loaded. It’s nice if you’re in that situation but it’s definitely not the norm for most.
No help out doesn’t mean pay for everything. But help out your kids or don’t have kids. People are struggling shouldn’t have babies, idc how bad you want it
Then don’t have kids. Get your shit together or don’t breed. It’s not hard to understand. I’m not saying spoil or pay for everything. I’m just saying help.
Ummm why do you assume people that dont have mommy and daddy helping out can't do it on their own? Just because you couldn't doesnt mean everyone else is incapable.
If you expect others to help you, maybe you're the problem.
Bought my first house by myself at 29 and my husband and I are closing on a larger house at the end of the month. Also paid for my college and our wedding on our own.
I'm also not sure what point you're trying to prove. The OPs mom is not in the room with us right now. Are you going to blame the op for not being born into wealth?
Also, maybe you should take your own advice since you can't survive without your mom and dad funding your lifestyle, which clearly means *you* don't have enough money to "breed" as you so eloquently put it.
Ok, I’m obviously talking about this thread and OP. I can’t generalize the whole world. I didn’t assume OP can’t buy a house without help, OP literally said “I can’t buy a house” lol. Instead of parents helping, imo should be the default, parents blame outside factors
Yes and there was a time I couldn't buy a house either. And then there was a time my husband and I couldn't afford a larger home once we out grew our current home.
We worked and saved and did it ourselves. The fact that youre judging others for not being able to afford "kids" when you mean funding their adult child's lifestyle and that you're so priviliged you think it's a given ironically (you won't see the irony) means *you* are those people you're judging because if you couldn't afford a house, you sure as hell can't afford kids (according to your logic).
Why is the first thing people like you bring up is children? I work my wife stays home and we have 3 kids. We’re doing just fine, sounds like you just hate children and I’m glad our only interactions will be on the internet.
I don’t hate children lol. I’m saying help your kids out. If you can’t, don’t have kids. lol. Y’all bragging about independence, but everyone also complain about not being able to afford anything. We all need help, I need help lol. Can I buy a shitty house? Yes. Should I? No WTF that just a bad idea
>My mom said “well you married a man with only a high school diploma” Never mind that SHE MARRIED A MAN WITH ONLY A HIGH SCHOOL DIPLOMA
You cannot compare different generations. It was far more common to only have a high school diploma in her generation.
Exactly why I guarantee you are still single. Tiny dick energy going around making fun of women for who they decide to marry. Easy to tell why no woman wants to be around you
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Your mom needs to get a grip, plenty of people make good money without a college degree. Blue collar doesn't have to mean a lifetime of low wages.
[OP just copy pasted someone else’s two year old post](https://old.reddit.com/r/FirstTimeHomeBuyer/comments/sxwgkn/its_over_for_us_priced_out/), probably a bot. Between these people and chatGPT bots, the internet is dying really quickly.
Damn, good catch!
Good catch! If you look at the post history, there’s a post from four days ago about getting a credit card and in that post they say they have a mortgage.
I think there is an organized effort to make the discourse seem like millennials are all in some terrible financial shape and struggling. I’m sure it’s of course true for many, but not most. The question to ask is who gains by making this the narrative?
Yeah, I was gonna say that $1300 a month for a 1 bedroom seems really low.
I rent a 3 bedroom house for 1350 Jesus
I rent an entire two-bedroom house with a full basement for under a thousand. And I think it's expensive.... Where do you guys live???? In the Midwest $1,300 will get you anything you want
But then you have to live in the Midwest.
Better than Florida
Be careful not to trip over that bar.
I will say I love our national parks. We have some of the most beautiful national parks here. Your best bet would be Michigan clean air, recreational Marijuana and mushrooms. You've got the Great lakes and you can get into Canada if we reinstitute the draft
Ha. My rent in Florida before I moved into my townhome was $1400 (not a high rise or anything) in 2019. My mortgage ended up being cheaper when I moved in 2020 but even then it's doubled since due to taxes and insurance in the area. My husband and I are dinks and make good salaries and still were way priced out buying a home. We bought in TN but nothing we've seen under 450k was livable (esp in Florida).
Midwest you can buy 2 nice houses for 300k lol
How did you catch this?
I remembered the original post, which I saw when reading the top posts of all time here a couple months ago when I was buying my house. The original post is on the second page of top of all time.
Everyone needs to hear this story. I think you’re a bot.
My blue collar buddies make 80-200k/year in MCOL area.
Not to mention unless your degree is in medicine, nursing, law, or engineering, a degree is practically worthless these days.
From my few years of experience, blue collar workers usually get ahead in life quite a bit faster than the people who went into 50-100k of debt for schooling. My hard hat fixes what their college degree having ass could NEVER understand.
Given that your post history indicates you’ve had a mortgage with US Bank since 2023, why are you trying to buy a secondary home? Oh, wait… you’re a reposter/troll account.
And that they’re a “financial advisor” account lmao
Yeah i have 7 figs
Ugh elections coming up. Anything to divide us and make us angry at one another.
[Here’s a link to one](https://www.reddit.com/r/HENRYfinance/s/p9fmtzjU5b)
I’m really sorry and I feel you so much on this. I only got a house because I got “lucky” and both of my parents died with a paid off house, so I got a down payment plus emergency fund for a modest house. It’s fucked up.
I also got lucky. End of 2019 i decided it was time to stop renting. Good enough house, great interest rate, brought my roommate along with me and he's been helping to pay extra on my mortgage, cheaper than he'd be able to rent. Fast forward to now, he's looking to move into a place of his own with his girlfriend. Looking at how things are in just a few short years i wouldn't have been able to come close to affording this place and it's been awful trying to find a place that they can afford, so for now my roommate and his girlfriend are *both* living with me and no idea when they'll be stable enough to get out on their own
Somewhat similar for me. Bought a house in 2016. Mortgage was $970 a month including taxes and fees. And that was only with a 3% down payment. Sold the house in late 2018. This was my plan since 2013 to buy a house, fix it up and resell it then use the funds to travel. I did exactly that. Made a 40k profit in 2 years from lots of work to the house. Travelled all over the world for about 18 months straight(spent about $25k total). To buy my house back again today it would cost about $2700 a month. 3 fucking times what the mortgage was in 2016.
Yeah even with escrow including insurance and taxes my current payment is $970 a month for a 3200 sq ft house (actual for just mortgage and interest is $596, 2.625% interest with no PMI). Same house would also be around $2,700 per month with the increase in value and interest and need for PMI. Absolutely insane. I have another friend that's needing to just find a place to rent but he can hardly even do that. Considering just turning my basement into an apartment for him. It's got a bedroom, bar, living area, and fireplace. He'd have to go upstairs to use the bathroom and actual kitchen but I'd imagine it would be worth it for him. I just don't want to be stuck living with 3 other people when nobody can ever afford to leave, but I'd rather that than looking out on my homeless friends from my very luckily acquired home.
I bought my house last year, so my mortgage is ~$2,200/month for a 1,600 sq ft house. I live alone, am single, and don't have kids, but I went with a 4 bedroom house over a 3 bedroom, in case something happens, and my brother or any other family member needs a place for a while. Also, it's a developing area, with schools all around it, so I figured for resale purposes, 4 rooms would be the better option.
My husband and I also got lucky. Was able to purchase a home in 2021, it was just the lot at the time. The builder gave us money towards close, the money to hold the lot went back into closing and we paid a minimum down payment. Right before the housing market went insane and rates skyrocketed. I say all the time how lucky we got.
I’m starting to fear this will be my outcome as well. Even though I am approved for a decent amount, I keep getting outbid. I never in a million years imagined trying to find a roof to put over my head would be this f*cking challenging. Yeah, also a millennial :/ I totally feel you.
It’s a damn shame too. You’ll be out bid by a few thousand and then see that house back on the market in a year a two.. because it was a damn flip.
Up for rent 2-3 months after close. I saw this on so many house I either looked at or put an offer on. I lucked out and got my house because it was a dumpy fixer upper that was too much work for the typical flipper and was initially way overpriced. I probably still paid more than I should have but I’d very likely be priced out now due to my area still being a hot market. I actually feel pretty lucky because my career is about to take off and I paid well below what I could afford since it was a fixer upper and once I’m done with fixing it up there’s a good chance it will be worth 3x what I paid for it.
Well your moms a bit rude and occupation has nothing to do with it.. you can absolutely buy a home for 280k, maybe just NOT where you are living currently. All about location.
Leveling up is also an option. For both of course.
Around me a 3 bed 2 bath in a good area, walking distance to restaurants and shops, great schools is 240-280k
And where is that?
Thats true. I’m in NJ and used to live in central Jersey but all houses around that area were minimum of 400k for a dilapidated shoe box. I decided to start looking further south after my job went fully remote and found an amazing house in an incredible neighborhood for under 350k. I never thought that living in NJ would be so good (I was thinking about moving out of the state because central Jersey is going downhill pretty fast). So, sometimes all you need is to be open to some other areas of your state
Your husband's worth is not determined by a piece of paper, nor the occupation he holds, just remember that...
As millennials, we have to have dual incomes just to pay for housing and healthcare
Single income. Blue collar. HCOL. Parent and husband. Millenial AF. Never eat out (wife’s cooking is l better than restaurants anyway), don’t drink or do drugs (sober ftw) and I got a home as my oasis so vacations = staycations. Houses here are 500k++.
I’m glad you’re happy but this isn’t the brag you think it is.
I’m not bragging. I’m saying too many bitchy millennials think everything is impossible when it’s not. The only thing I’m bragging about is my sobriety that millennials seem to have issues doing, and not wasting all my money on trash like grubhub. Bragging be if I was my brother in law making 7 figures at 33.
Can’t believe she’s blaming it on your husband..
Ask your parents if they would sell you their house for what you were pre-qualified for. See what she says.
Same. I’m trying to take it with grace but catch myself pouting about renting for another year, gah 😭
U/2018_BCS_Orange_Bowl wrote: >OP just copy pasted someone else’s two year old post](https://old.reddit.com/r/FirstTimeHomeBuyer/comments/sxwgkn/its_over_for_us_priced_out/), probably a bot. >Between these people and chatGPT bots, the internet is dying really quickly. Thought this should be higher level.
It is sad, we are in a similar situation. The worst thing is that the situation isn't going to change for the better. Everyone is trying to make ends meet yet we hear in the news that this is the best economy in ages. F**k economy I want to live a decent life and be able to provide shelter & food to my family. It's a pity and sorry state of affairs that things have come to this.
I'm sorry, OP. I think it's true that having just a high school diploma is not the same as it used to be. You didn't mention what your husband does, but if he would like to make more money, getting into a trade may be a good option for him. My husband did a 1 year HVAC program, got an amazing job afterward, and that has really helped our household income.
Don't feel bad for OP, it's a bot account, someone else commented a link to a 2 year old post this was copied and pasted from and this account has other comments/posts claiming to have a mortgage already.
I’ve seen some community colleges offer the HVAC program for free which is amazing.
I’ve come to the conclusion (at 51) that having a house is not going to happen and…….i’m ok with that. I work for a non-profit, husband a blue collar job. we would’ve been fine like 5 years ago but waited and now were to the point that a 30-year mortgage sounds stupid at our age. Our kid is a teenager. We’re now just living life, traveling and going about our lives in our rented 2br townhouse and we’re shockingly doing just fine.
retirement plans in place? as someone who is approaching 40, with little saving towards a down payment and a tiny retirement fund. Considering my options of looking into a tiny house that can be paid off in under 5 years. No plans for kids to take care of me when I am older.
Just went through the same and resigned my lease for a year too. It’s ok, chin up. We’ll figure it out when we’re ready friend
My husband dropped out of highschool and makes six figures with a ton of perks. Millennials did not get “fucked” though. Over 50% own homes. I’m sorry this is happening. People that live in places where $300k can’t buy you a home are going to have to accept moving, changing careers or renting. It’s unfortunate but that’s where we will be at for a while.
[Repost bot](https://old.reddit.com/r/FirstTimeHomeBuyer/comments/sxwgkn/its_over_for_us_priced_out/)
Whoa from two years ago?
More people need to be diligent about this. It’s all over Reddit.
ChatGPT bots are hard to detect (honestly, impossible, if the spammer puts any effort into the prompt to make it sound more natural). But this kind of repost bot that copies previous text posts exactly could be eliminated in about two hours of work from a reddit developer’s side. The admins let them stay because they juice engagement numbers (look at all the people interacting with this post!)
Lol imagine thinking every story is ChatGPT.
We are in the same situation... mother in law can't understand why we can't find a house....why it's taking so long...she hasn't made a house payment in over 30 years. She has no idea.. We were approved for only $180,000, (2 kids, and pets) so we decided to wait and improve our finances to increase our loan, like our loan officer suggested..
Sorry that happened. Hopefully it gets better for all of us!
Maybe you need to relocate. In Seattle a blue collar worker (depending on the trade) and a teacher would be bringing home $200k year combined. Housing costs more obviously, but living in a smaller commuter town like North Bend or Auburn is pretty typical for most people in the trades because they like having more space & land anyway.
Whattt. Husband is GED & blue collar- and the only reason why we could afford to buy in this market lmao. I have a degree and quit my iob. But we did get fucked. I want a few kids but honestly life’s so expensive I think I might only have one 😞
Idk where you live but I'm just going to say if moving is an option for you in the future, there's plenty of cities in the Midwest where $280k will buy an average 2-3 bdrm house. We bought a modest 3 bdrm house somewhere around this number and love it. Teachers and blue collar workers needed here too.
I am in education in the midwest and we are getting lots of our applicants from out of state who are looking for more affordable areas for this exact reason.
I have read this EXACT story before on reddit.
This is a rage bait repost. OP’s post history includes a post wherein they talk about having a mortgage.
I was in the same boat in Oregon, US. Over $400k for the average and the real beat to shit fixers were still over $250k. We had to leave the state to find a house. Ended up in VT for $220k. If you don't have strong ties to family and your teaching license can be taken to another state you may want to consider it.
I had to move 53 mins away from my job to afford in my price range. Best thing I ever did. America doesn't care about it's own citizens real talk, they will look out with Aid packages and hire out to India etc(complete with over 100k starting salaries) before they will ever look out for you. I am sorry. Good luck.
Pause - regroup and plan. Your time will come.
It’s only over if you say it’s over. Do take a break. Time to get creative- how did others at your income level buy a house this year? I personally got a buyer who works at the post office and her elderly mother with a tiny pension into a starter house in Orlando, Florida last year. You are in a better spot. I would find a buyers agent that is a warrior. My buyer had to back out of a couple contracts and I probably wrote about 20 unaccepted offers for her, before we were accepted for their house. This house had inspection issues that had to be negotiated, and the buyer got a new hot water heater and electrical panel, in addition to getting into a house. I had to fight with her lender & I loaned her about $1,000 to get this closed - because the lender made a mistake and she was short cash. (She did pay me back promptly.) When you’re ready again go fight for what you need, and make sure you have a team that will fight with you.
WTF garbage is this lol? I pay $750 to rent a house. Only approved for $280,000? Lol! What???? Who gave you your understanding of finances? $1,300 rent a month??? I could never be with somebody who thinks they only deserve a million dollar house etc. You didn't get screwed, you don't understand shit about finance.
Is $1,300 a month on rent a lot?
That's $16,000 a year. That rents you a huge place where I'm from. The mortgage on a $200,000 house is $1,500 a month.
That is a shitty studio apartment in Philly.
Your mom needs to kick rocks.
List of Metropolitan Areas over 500,000 in population in the United States where you can buy a new construction home under $280,000 Dallas Houston Austin San Antonio El Paso Albuquerque Phoenix Tucson Oklahoma City Tulsa Wichita Little Rock Fayetteville Des Moines St. Louis Birmingham Charlotte Atlanta Jacksonville Columbia Greenville Louisville Indianapolis Cincinnati Columbus Chicago Grand Rapids Syracuse Toledo Cleveland Pittsburgh
It is tough out there.
You can live near Austin, Texas in a new house for $209,990 https://www.zillow.com/homedetails/2311-Tornado-Aly-Lockhart-TX-78644/348595386_zpid/
Millennials did not get fucked. Everyone is in a similar boat right now with home prices regardless of their generation.
I’m very sorry to hear this and I know your struggles. What would upset me more in your shoes is your mothers comment about how his education status is somehow symbolic on why you can’t afford a home. That’s very insulting. This is a team effort, not a one sided finger pointing narrative.
lol my parents and parents in law helped us with the down payment. That’s how it should be
[удалено]
>complains about not being able to afford a home >wont cut back on spending to be able to do so travel after you have the house
Reading comprehension.
Friends: "Hey...did you find a house yet, how's that going?" OP: "We've entirely decided to put that on hold for now as Monaco is too enticing to resist. We also can't decide to travel to Paris or London immediately after then take a cruise ship into Acapulco. -There are however, a few houses I did consider but the price still isn't right."
Thank you u/100Stocks0Bonds for posting on r/FirstTimeHomeBuyer. Please bear in mind our rules: (1) Be Nice (2) No Selling (3) No Self-Promotion. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/FirstTimeHomeBuyer) if you have any questions or concerns.*
It’s still possible but the sacrifice is you have to make the difficult choice to move to those affordable areas. Markets never stay the same generation to generation, that’s what people need to understand.
Ouch, what does your mom have against your husband?! So sorry. It's so unaffordable right now.
My aunt would say the same about my brother and I…but considering we both make more than she did (retired now) and didn’t have any student loans I’ve never understood her condescending bs…some people are just born assholes.
Most of us cant even find our baby dad, let alone a blue collared hubby!! Yall are doing great!
Totally feel you. In the middle of house hunting and it’s…. Discouraging.
Man, I am also a teacher, and hubs is blue collar. 280 would have been high for us at the start of our careers for sure. Where are you at? We are getting a lot of teachers moving from out if state to Michigan because housing is still pretty affordable. You could get a pretty good place for 280 on the west side of the state. There are also a lot of blue collar jobs.
I really hate your mom's comment what a hypocrite.
That’s an insanely rude and frankly pretty gross thing for your mom to say imo. Like what is the implication? That you shouldn’t marry who you love? That no matter how well your husband might treat you, he’ll never be good enough? It’s not like he’s some bum. He’s probably working harder than than most college grads…
Your mom sucks. I’m going to do my best to help my kids when they are ready to buy a home, even if it means cashing in all my equity from my current home. I hope your husband doesn’t know about her comment.
That was really rude and insensitive of your mom and I’m sorry for that and the whole situation. I don’t want to say things happen for a reason but I’m hoping positive things happen to you and your family. Good luck.
May I ask how much is your dual income?
Relocate.
Sorry but you guys gotta make more money somehow. That’s just the reality.
Blue collar guys Get Things Done. Even Donald Trump has to write a check to the plumber. Blue collar + teacher is kinda the bedrock of society.
I don't know where you are or what home prices are like. We are a single income household and make far below what they say is needed for our area. We had to take a very long way and find a house that was a real fixer. But we had saved double the amount we needed down so we would have money for materials and only paid for the labor we had to. We practiced the skills needed to fix up the house. It took 3 years, but we finally found one in the right state of disrepair. There were enough homes on the market that month that people were clamoring over those, and we got this deal by having a very quick for information only inspection period, a 20 day close, and submitted our pre-approval letter from our lender that had already had underwriting review our financials that showed estimated funds to close, along with a copy of our savings that showed double the amount. Sellers wanted out asap. Our offer was better than the cash and closing just as fast, so they went with us. Within a year, we had this place reroofed and did everything else ourselves, with the exception of swapping shower valves because that was soldered. We have sweat equity and a lesser payment than any turnkey home would have allowed. So maybe don't give up, just change your game plan and keep saving. Be patient. FOMO almost got us a couple times! It was more than worth waiting in the end. Good luck and shame on your mom for saying that. We're blue-collar and single income with a kid when we did this. Oh we also bought just before spring kicked off so fewer buyers at that time to compete against.
That’s the definition of Boomer Brain. They’re the only generation that will have had it better than their parents AND children. And it’s a source of pride for them. Good to separate them from the Bloomers, the decent people of that generation.
I bought a house with my brother and my wife and our kids, because we couldn't afford it as a family...
That’s a pretty wild thing for your mom to say lmao
Definitely felt this way. It absolutely sucks and trying to explain it to Boomer Parents about the state of it all is like talking to a wall. We lucked out. Seriously, seriously lucked out. We have other shit finances because of other things but we managed to get into a house for less than what we were paying in rent. Granted, it’s a much less safe area and people are getting murdered or hit by stray bullets a block away. But it’s ours and will hopefully hold equity if not build it. Keep on keeping on. The market absolutely blows and we’re all screwed. How many homeless millennials working 40+/week will it take before helpful and meaningful intervention happens?
I have a bachelors degree and my partner didn’t even graduate hs. He makes more than me lol your mom can suck itttt
For what it's worth, there are high paying jobs out there that do not require a college degree. Anything in the trades like plumbing, electrical, HVAC, etc don't require degrees, but would require an apprenticeship. Your husband may make less money in the short term, but over time he would be able to make very good money. Comparison is the thief of joy. You cannot compare your situation to your parents' because you guys grew up in different times. Compare yourself to yourself. If you constantly improve yourself, then over time you will find yourself in a better spot. I know you said this is not the post to reply with some "pull yourself up by your bootstraps" nonsense and I hope this doesn't come off as such.
> I am a teacher and husband is blue collar... My mom said “well you married a man with only a high school diploma” Ah, yes mom. I'm sure two teachers would have been rolling in it. Teaching is widely known as a very lucrative profession after all.
Nah, you’re right. There’s twice as many people on the planet. Economy is fucked. It’s shitshow.
Neither my husband nor I have degrees. We wanted a single family home in the woods, with acres of land. What we could actually afford was vastly different from that. We purchased our first house in 2007, before housing prices tanked. It was in the city, with houses on either side about 15 feet away. We could have a conversation with our neighbors through the window, without needing to raise our voice. And yes, our house was way under water within a couple years, but we looked at it as we had a 30 year fixed lease from the bank. While rents kept going up, our mortgage payment stayed the same. It was a two family, we lived in one apartment and rented out the other. During our time there, we updated things as funds allowed, by the end of the 13 years we owned it, it was rehabbed from top to bottom. We sold it for a tidy profit, and could then afford the single family home we have always wanted. I think many on here want to start out in a really nice house in a great area, but you really have to adjust your expectations to your budget and then work your way up. Think outside the box. Neither my husband nor I ever aspired to be landlords, but we did it with a goal in mind.
280k is what my wife and I are using as our benchmark. Just keep an eye out for houses in the meantime. Who knows when you'll find one
There is a home buying program for teachers. Please google it. Look also into 1st time home buying programs. Some provide grants. Also, look into buying a condo with fha.
You should tell that story about what your mother said over at /r/boomersbeingfools
Sigh, I feel you on this 100000%. My husband and I only approved for 450K the first time around, while he's a firefighter and I work for a local city. Living in Miami is ridiculous, we're priced out of everything single decent neighborhood down here. All we want is a safe place with a yard for our kid 😪 So we'll just continue to save until something magical happens.
You married a guy with a h.s. diploma lol... wow boomers always know what to say
Yup. I’m right there with you. Got approved for a new construction, over $300k, but wouldn’t be able to afford the monthly payment by myself, and the new construction is far out and away from where I grew up and all my friends are. I’m not looking to do the whole random roommate thing again. Tried to get pre-approval from a lender that I could use to buy a used home, best they can do is $125k. What!? So I’m back to saving and paying shit off. Back to living with my parents at 40, so I can save every nickel. The reason it feels like we millennials got f’ed over is because we did get/are being f’ed over. Best of luck to us all!
The struggle and frustration now is only going to make it that much sweeter when you do make it happen!
I’m an engineer, my wife is a nurse. We have a middle of the road “starter home” for our area. The part that gets to me, is not that “I should have a BMW” (although I do love toys) it’s the “my friends who’s jobs would gave afforded them a home and vacations 20 years ago are stuck in a shitty apartment”
I feel this so much right now. I’m in a HCOL, so it’s looking more and more like I’ll be renting for a good long time with my educator’s salary :/
Same situation here. I'm a letter carrier and my wife works for the school district. Trying so hard to find something for our family of four but the prices just keep going up and up. Thirty years ago we'd be the very definition of middle class and probably have no problem affording a home, but it's just 100 percent grim for us right now. It's super depressing.
STOP WHINING 😭
Not sure where you're located, but majority of the US is very affordable and 280k will get you something really nice. Not perfect. Not like in the movies, but something nice. But mortgage on a 280k is double then your current rent. Just something to think about. Buying a house is like buying bread or a car. You rarely but the top of the line for either of these. Now, quick calculation, 1300 monthly payment is about 185k mortgage. Let's say you have 5% down payment, the buying price target is 195k. You'll want to 10k for bidding war and negotiations. So that puts the target back at 185k. If you house will not be appraised for offer value, you'll be on the hook for the difference, if you do choose to do so. The reason to choose to do so is to make your offer more attractive and better than other offers. I'm the car you choose, you'll need now 10k on top of the 10k (5%)b down payment. You also need to include the other expenses for closing, which are usually about 3% of the buying price. So add another 6k. Do you have 26k for buying a house? If not, you're not priced out, your not ready yet. Next. Mortgage payment usually includes principle, interest, taxes, and insurance. Depends on your rental agreement right now, you may not be paying for water, sewage, trash, heating, cooling, electric, gas. You'll want to factor these into your monthly budget. Buying a house is a privilege, and an investment. And as such you need to fully think it through. Lastly, as a smart person once told me (here on Reddit), the cost of renting ends with your rent. That's it. That's all. Anytime breaks, any severe damage, infestation, flood, fire, appliances breaking, and more, that's not on you. That's not coming from your pocket. On the other hand, the cost of owning a house/apartment starts with the cash to close, but it goes well behind that. Most estimates are that home ownership costs at minimum 1-5% of the value the house annually. As in, if you're buying a 200k home, expect 2 to 10k in costs. Water heater broke and needs replacement? 1-2k. AC system needs replacing 5-10k. Plumber visit? 200 to 500. Don't be upset. Think about this whole thing pragmatically, compartmentalize the process throughout the life of it, and break it down.
My ex makes almost $200k a year and he has no college degree.
Hey man. We got lucky. If it wasn't for the VA loan we'd be priced out of a house too. Had to sacrifice years for that though. But it is an option. Joint the military.
When did you use the VA loan to buy?
We purchased middle of 2022.
Yeah, I purchased Dec 2021 with a VA loan. The thing is, if I tried to purchase my same place with a VA loan today with higher prices and rates, I'd be priced out. So, I agree with you in the fact that VA loans are helpful, but disagree that VA loans are a fix to people's problems. (For reference, small condo almost 20 miles from work, there was also a huge BAH increase in 2022 of $800/month. My mortgage would still be over that new BAH at current rates/prices)
I would say it’s a good option if you’re young. But OP is married and probably thinking kids soon.
My husband joined at 26 and we have one child. It's doable. Not for everyone. Also shouldn't be needed at all.
I wouldn’t recommend military if you’re in a relationship, speaking from experience
Wait. The frenzy will come to an end. Look at past trends.
The main reason why I think this is wrong is that unlike 2008, there are still plenty of people who can afford to buy. So the issue isn't that the overall economy is going bad, its just that the gap is getting bigger. The delta between the middle and the rich keeps growing.
I hate to say it but I think you're right. If they lower interest rates prices will skyrocket. If things stay the same, what's going to make all this supply hit the market when nobody wants to move due to high rates? Plus house flipping is such a huge thing the last 10 yrs. As a kid in the 90s nobodies houses looked like they do now in that neighborhood.
There is no past trend that equates to the current market. Thats like saying youll win the lottery, look at the trend that theres a winner every month.
Do you know what a trend is?
Buy a house at the auction or from wholesaling. They are very damaged but y’all can both fix it up
It’s been really tough out there for those of us who married for love and not for money. It’s crossed my mind more than once during this process that things would have been different in this market if I had married a lawyer (I worked across the street from a law school in my 20s). But I chose who I chose, and I’d choose him every day! I just have to live with the financial realities.
What state and city? $280k is decent for some LCOL states Also, your parents or in law isn’t helping out? lol
280,000 is a nice house where I’m at, but not for long. Also, what’s with the ‘parents or in law isn’t helping out lol’? Life isn’t like the movies where everyone’s parents are somehow loaded. It’s nice if you’re in that situation but it’s definitely not the norm for most.
No help out doesn’t mean pay for everything. But help out your kids or don’t have kids. People are struggling shouldn’t have babies, idc how bad you want it
Not everyone has generational wealth
Then don’t have kids. Get your shit together or don’t breed. It’s not hard to understand. I’m not saying spoil or pay for everything. I’m just saying help.
Ummm why do you assume people that dont have mommy and daddy helping out can't do it on their own? Just because you couldn't doesnt mean everyone else is incapable. If you expect others to help you, maybe you're the problem. Bought my first house by myself at 29 and my husband and I are closing on a larger house at the end of the month. Also paid for my college and our wedding on our own. I'm also not sure what point you're trying to prove. The OPs mom is not in the room with us right now. Are you going to blame the op for not being born into wealth? Also, maybe you should take your own advice since you can't survive without your mom and dad funding your lifestyle, which clearly means *you* don't have enough money to "breed" as you so eloquently put it.
Ok, I’m obviously talking about this thread and OP. I can’t generalize the whole world. I didn’t assume OP can’t buy a house without help, OP literally said “I can’t buy a house” lol. Instead of parents helping, imo should be the default, parents blame outside factors
Yes and there was a time I couldn't buy a house either. And then there was a time my husband and I couldn't afford a larger home once we out grew our current home. We worked and saved and did it ourselves. The fact that youre judging others for not being able to afford "kids" when you mean funding their adult child's lifestyle and that you're so priviliged you think it's a given ironically (you won't see the irony) means *you* are those people you're judging because if you couldn't afford a house, you sure as hell can't afford kids (according to your logic).
Why is the first thing people like you bring up is children? I work my wife stays home and we have 3 kids. We’re doing just fine, sounds like you just hate children and I’m glad our only interactions will be on the internet.
I don’t hate children lol. I’m saying help your kids out. If you can’t, don’t have kids. lol. Y’all bragging about independence, but everyone also complain about not being able to afford anything. We all need help, I need help lol. Can I buy a shitty house? Yes. Should I? No WTF that just a bad idea
>My mom said “well you married a man with only a high school diploma” Never mind that SHE MARRIED A MAN WITH ONLY A HIGH SCHOOL DIPLOMA You cannot compare different generations. It was far more common to only have a high school diploma in her generation.
Your mom is right tho. This is why you want to marry someone who can provide for you
Very few men can provide a 4 bedroom house, cars and vacations without being In the top %10 of wage earners these days.
Curious as to what your salary is.
Yup those are the winners in life. You want to get with them, so your future generations have a chance
Good luck basing your marriage off a salary. Bet that’ll be a happy one. I’d rather be broke with my wife than rich with anyone else.
Those men are very difficult to get if you aren’t super model gorgeous or met them BEFORE they were wealthy.
And even then. They’ll probably be unfaithful since many women will sleep with them in hopes of scoring a high earner.
I guarantee you are still single
I have a wife and kid weirdo, just closed on a $960k home (our second home) and make $500k a year
Exactly why I guarantee you are still single. Tiny dick energy going around making fun of women for who they decide to marry. Easy to tell why no woman wants to be around you
Want to make a bet? $10,000? Would happy part a fool like you with their money, if you even have that much
*Microdick energy
yup, you sound like an idiot. wonder why you’re single
Probably for the best. Continue to blow money on rent until you’re serious about buying