Rachel Cruze

How are you?

So my question is, I'm currently living with my girlfriend, and we want to start to look to buy our first house.

We're currently renting.

I make good money.

She has a lot of money that she made throughout college, and her dad is also going to gift us $35,000 for a down payment.

We just kind of feel like right now we're wasting money renting, and I know you're

Totally against doing this before marriage, but it just kind of feels like the smartest option right now.

We've been living together for one year.

So if it was up to me, I would have got married last year.

She is going to be competing in the 2020 Olympics, so we want to make sure that she's ready to go for that.

Just the whole wedding and planning for all that, she just wants to stay focused on.

The weddings are going to be a fun big party that we could all enjoy together.

You ever bought a house?

I made sure that she, like when I talked to her, she's just using her debit card to pay off all of her debts.

So she's not using her credit cards at all.

Yes.

I have no debt.

I have no debt other than that.

And a little reverse mortgage, yeah.

What margin do you have per month?