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There is no better teacher than real life experiences shared. Thank you for this!

Thank you for sharing!!

Thanks for your honesty, and transparency. This took guts to reveal, especially with you being a realtor. I’m sure you’re gonna get some flack from the “know it alls” but I appreciate the vulnerability.

Gross $108k a year, set to take home $123k a year next year. Taxes and child care take $65k. So I take home $45k a year

Haha its true!!! Its expensive!

tube tops are for everyone!

If I move into a new house I'll be so broke and I equate being broke with being miserable. It's already hard saving 20% knowing it'll be all gone at closing so I need to save 30%. Probably not happening in this economy.

The argument of thats a bad area is also werd cuz its what you can afford and its satisfying your need for a house ppl are so entitled thinking there better then the other people living in tbese areas

50 20 30 is weird cuz if i make 40k vs 100k my needs dont change the % of my money allicated to those needs just gets smaller

I'm sitting out till rates and more houses hit the market. If that means I need to rent for 2 or 3 more years than that's fine. That's just more money to put towards savings and investments.

I used to be that way, like try to be the nice person, etc., now I’m very direct and not afraid to ask for some and then some more! I do speak my mind and I get looks like, “you’re supposed to be nice and stay quiet”

Thanks for sharing your experience and offering transparency Javier. Sorry about all the life that ‘lifed’🫤

Stay with what you can afford even in the worst time or plan for it, that's the best advice

Hi Javier, do you think your inspector missed some items?

My advice is BUY! because INFLATION never sleeps. Today's expensive is tomorrow's unaffordable.

I appreciate your honest approach to home buying. Your videos helped me hold off from buying prematurely. For now, I’ll keep saving and investing indefinitely.

3:07 did you have to mute and sensor some vital information? 😜😜

Hmmm... Well, I'm a 9 to 5 who's in a "bad" situation, meaning, I bought above what I could safely afford, but I did it knowing full well that if this 9-5 job went away, I'd probably have to get two jobs to make up for the income... and I was okay with that... therefore, moved forward with the purchase. This wasn't an investment for me, this was our dream come true... call me a dreamer.

People are finally selling but fewer buyers looking at least in SD Cali

All jokes aside, nobody talks about closing and wire frauds. I would lov a video surrounding that part!

Lost sound from 2:50 to 3:10.

First, to comment, Chat, don't hate 😂

I just felt I was ripped-off by my Realtor. I already had the buyer, I am the seller, she is charging 4% or $18,000 to do paper work. And she is representing the Seller and Buyer and I'm paying the whole 4% fee. I only wish I had see your YT video earlier. THanks.

Gave you a like just for the background song ❤

No thanks for HOA I will never live in one ever!😊

The only way is up.

“I did some digging”, meaning you scrolled down on Zillow to the price history ? And looked at a chain of title report /property profile to see its owned by an LLC

This was so helpful! We are trying to buy our first home (in another state) and this timeline made this seem doable.

I'm happy to see you on my feed again, all YT pushes is your posts, no other content. Great stuff as always brotha!

you kids are rethinking that $30k wedding now huh 🤣

At Confluera, I work as a QA Specialist and make $150,000 a year. I'm 42 years old. I have a retirement account, but before moving to part-time job in the upcoming years, I'm excited to look at short-term investing opportunities.

HOAs should be illegal

Don't accept a referral from a realtor. It means you are being sold. It makes commission harder for you to negotiate since more hands of greed pulling. The industry is corrupt.

For us, it is a cultural thing. We are ethnic Europeans, third and fourth generation Americans. No matter the economy or current media offerings, our children are required to be home and property owners, not renters-and family will assist as needed. We live in upper middle class suburbs with great schools and safe communities, and we have always worked hard to maintain our homes, the kids grow up understanding home maintenance-it’s not a surprise.

That house sounds irresponsible to not have any savings. I prefer a house that has a 3-6 month emergency fund.

TLDR No.

Agreed, Javi: our conveniences will be our demise (wake up call to all of humanity.. dont let them stress u into convenience-seeking behavior)

Foreclosure speedrun

Lmfao what a cuck $200 a month in food. I spend nearly that a week and im single, cook 99% of my food. 3k property taxes. 200 for a beat down pos car that will barely last the 7 yr note you took. This guy living in 1990

I really wish houses weren't rentable. The reason why... I've seen to many friends and family get kicked out of a rentel they were perfectly happy paying for, only because the landlord wants to sale and cash out. Really sad. :/ keep real-estate investments away from single family homes. Apartments and business real-estate should be the only investment properties that exist Imo.

The market is so funny because I have 4 or 5 friends who bought a house during Covid when everyone was saying it was a terrible time to buy and now they are all sitting on over 150k in equity.

Thanks Mate, the sad truth is that no one has a clue, we all react to what happens as it happens and try to analyse it but can’t predict an iota of what is going to unfold in the markets… content creators are like amplifiers, when times are good they affirm it and try to tell you why it’s good and that it’s looking bullish but then all of a sudden the market turns bearish and everyone affirms it again and try to analyse why… it’s so sad that many are so powerless and it's not about guessing the market's next move; it's about playing it smart and steady during trading...managed to grow a nest egg of around 2.3Bitcoin to a decent 19Bitcoin in the space of a few months... I'm especially grateful to Kerrie Farrell, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape...

We bought in January. Thinking we could do a cheaper/ older home with sweat equity. We blew through our savings with new paint, flooring, bathroom refresh and endless home depot/Lowe’s visits. Think furniture, bill set up, buying storage/ shelving, lawn care and completing remaining items on the home inspection list. Also, we just found out we are pregnant….

Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.

Keep in mind that during the 80’s people were encouraged to save due to the interest rates. Right now there’s very little incentive to save because those who are saving are watching those who are reckless taking it in. I’ve been trying to save for a home and it’s been discouraging to watch prices continue to not budge because there’s people willing to get into a mortgage where they’re paying 40% of their income. It’s insane.