Jade Warshaw

So I hope that helps.

Thomas is in Bentonville, Arkansas.

Thomas, what's your question today?

Oh, wow.

And you want to keep it that way?

You want to keep her at home, keep you working, and let's increase the income so that we can become homeowners instead of continuing to rent?

Yes.

$3,900.

Because right now that means a $1,000 mortgage payment, which as you can imagine, very difficult with today's housing prices and interest rates, which means we need to either save more for the down payment or change the home price, and that's going to take some patience in getting your income up.

So that's what I would be focused on.

You're 23.

That's a great income.

I would focus on what can I do to start making $60, $70, $80 over the next couple of years so that you have more margin to stack for the down payment.

And the average age now, Jade, is like 38 to 40 for first-time homeowners.

So I wouldn't be in a rush, Thomas, but I would be very intentional on working on my income, staying debt-free, setting a goal, you and your wife sitting down saying, hey, we're going to save –

$24,000 a year.

That's $2,000 a month we've got to sock away into this high-yield savings account.

What must be true for us to get there?

I need to go make more money.

We need to cut down our expenses.