Ma dukes rushing me to buy a crib

[Sad Bunny]

Nobody is ever "ready" for anything.

I was ready to cop my house. Everyone told me to buy in 2015-2019. I said nope! I’m not ready!

And then look at God. Copped a single-family home during historically low rates

 

[CreepyMcCreeperson]

You put your foot down, say no, and establish healthy boundaries with your mother.

You’re not ready, and you had plans for your money. You’re grown. You decide where your money goes, not your mother.

 

[Sad Bunny]

Here’s the thing I was trying to clear my student loans and my car debt then she came with this bullshyt

1. Both sides will be rented I'll be living with them
2. my credit score is so trash because i was unemployed last year, think im at like 600

Recipe for disaster. Pay off all your debt breh.

Rule of thumb: don’t spend more than 3x your salary on a house.

Do you make 233K per year???

 

[987654321]

She's thinking long term.
Your reason not to (if you commit to it) will need to be in the same vein.

This ain’t got shyt to do with the topic, but THANK YOU for using the correct form of “vein” for what you were saying. You have no idea how many people would have typed wrote “vain” or “vane” between thecoli and my job. It’s beautiful to see.

 

[the cac mamba]

is she paying for some of it? how the fukk is she forcing you into buying a house

 

[maxamusa]

I was ready to cop my house. Everyone told me to buy in 2015-2019. I said nope! I’m not ready!

And then look at God. Copped a single-family home during historically low rates

so why didn't you buy in 2015-2019 when everyone told you 2?

kinda sounds like you had a lucky hand TBH.

 

[Buddy]

This ain’t got shyt to do with the topic, but THANK YOU for using the correct form of “vein” for what you were saying. You have no idea how many people would have typed wrote “vain” or “vane” between thecoli and my job. It’s beautiful to see.

You already no
Are grammar is correct over here
*Disclaimer: Typos are subject to review

 

[Insensitive]

29 not forcing me per se but she’s been on my head about buying a crib and I’m genuinely just not interested right now

It’s not looking good bruh

If you can afford it, do it.
Future you, ten years from now, will say " Damn @GrindtooFilthy now the crib worth $1.4 million, I've paid down the loan for ten years and I have a couple hundred thousand dollars in equity and I'm effectively a millionaire".

 

[GrindtooFilthy]

You may have a hard time finding a lender under 620-640.

If she’s partnering up with you (taking the lead), and you both have a lot of cash to put down, go for it if it makes sense.

Rates are going to be dropping though.

yeah she be buggin im good, i'll cop a crib when i'm ready

Recipe for disaster. Pay off all your debt breh.

Rule of thumb: don’t spend more than 3x your salary on a house.

Do you make 233K per year???

130k roughly but yeah buying house is out the way as of right now

If you can afford it, do it.
Future you, ten years from now, will say " Damn @GrindtooFilthy now the crib worth $1.4 million, I've paid down the loan for ten years and I have a couple hundred thousand dollars in equity and I'm effectively a millionaire".

i got a combined debt of $30k roughly plus 630 credit score, this house can't be worth for what it is

 

[Insensitive]

yeah she be buggin im good, i'll cop a crib when i'm ready


130k roughly but yeah buying house is out the way as of right now


i got a combined debt of $30k roughly plus 630 credit score, this house can't be worth for what it is

All depends on what metro you're in.
Like in LA, the houses are only going up, if I could grab one for $700k, I'd do it, I know that in 10, 20, 30 years it will double or triple that along
with any other assets.

 

[JT-Money]

Yep. Perfect time to buy.

 

[cheek100]

is she paying for some of it? how the fukk is she forcing you into buying a house

Sounds like mom is the money source to me

 

[987654321]

Recipe for disaster. Pay off all your debt breh.

Rule of thumb: don’t spend more than 3x your salary on a house.

Do you make 233K per year???

I originally did that shyt because my dad was retired, trying real estate on the side, and wanted a big commission lol. He pushed and pushed the gen x logic of “always buy bigger, you can always sell it and buy even bigger after that!”

It hurt at first, but I was fortunate enough to make more, and it got easier.

 

[GrindtooFilthy]

All depends on what metro you're in.
Like in LA, the houses are only going up, if I could grab one for $700k, I'd do it, I know that in 10, 20, 30 years it will double or triple that along
with any other assets.

Boston metro area, I'm just worried i can't make those payments plus maintenance, you know random shyt my pop up but it's brand new house built this year but these new age houses be built like shyt so i dunno

Yep. Perfect time to buy.

this just boils my blood more, my folks my get cussed out if they bring this up again not knowing what these rates look like

Sounds like mom is the money source to me

she's saying she'll match if I put 10k, my salary is solid 6 figs but my debt ratio is kinda insane rn

I originally did that shyt because my dad was retired, trying real estate on the side, and wanted a big commission lol. He pushed and pushed the gen x logic of “always buy bigger, you can always sell it and buy even bigger after that!”

It hurt at first, but I was fortunate enough to make more, and it got easier.

 

[cheek100]

Boston metro area, I'm just worried i can't make those payments plus maintenance, you know random shyt my pop up but it's brand new house built this year but these new age houses be built like shyt so i dunno

this just boils my blood more, my folks my get cussed out if they bring this up again not knowing what these rates look like


she's saying she'll match if I put 10k, my salary is solid 6 figs but my debt ratio is kinda insane rn

If the numbers add up do it. If u wait ull be in a competitive market. Bite the bullet now and refi later.