Rachel Cruz

You know what you want.

You've been doing the baby steps.

You became debt-free.

You got your fully funded emergency fund.

I mean, you're literally doing it all.

The only thing that's going to suck is like the next probably three years of saving for this.

You know what I mean?

You just look at it like, you know, people want to save up for a car.

They want to save up for a college education, right?

And these numbers, these are big numbers.

I'm definitely not downplaying that.

It's just so it's going to just take you longer to do it.

And even though I guess technically, you know, I guess you could Ramsey, you know, go through it to say, well, but a mortgage is the one type of debt.

And this is for a house.

Figure out a way to do it.

But the fact that it's the fact that there is no resale, because the one reason we do say a mortgage, not only is because it is the most.

expensive thing that you're ever going to purchase as a home, but also homes go up in value over time.

And this is more like a car in a sense where it's going to go down in value.

And so getting into debt, even a personal loan for this financially would not be wise.

So it really would be