Sarah

And then once COVID hit with the interest rates being super low and we're both like living at home and thousand square feet was not quite enough for us anymore. So we wanted a bigger house and we were unsure of like where our life was. Like we're newly married, unsure of like, do we want kids? We wanted to live a little bigger. And then we found this huge master plan community that was being built.

And then once COVID hit with the interest rates being super low and we're both like living at home and thousand square feet was not quite enough for us anymore. So we wanted a bigger house and we were unsure of like where our life was. Like we're newly married, unsure of like, do we want kids? We wanted to live a little bigger. And then we found this huge master plan community that was being built.

And then once COVID hit with the interest rates being super low and we're both like living at home and thousand square feet was not quite enough for us anymore. So we wanted a bigger house and we were unsure of like where our life was. Like we're newly married, unsure of like, do we want kids? We wanted to live a little bigger. And then we found this huge master plan community that was being built.

outside of the city and we're like, well, we can go there. Cause it was great deals on houses. We had like a couple of floor plans and with interest rates being so low, we just kind of like took advantage of that. Cashed out a HELOC on my first property, rented it out, moved there, lived in that for about three years. It had an unfinished basement. So then we renovated that.

outside of the city and we're like, well, we can go there. Cause it was great deals on houses. We had like a couple of floor plans and with interest rates being so low, we just kind of like took advantage of that. Cashed out a HELOC on my first property, rented it out, moved there, lived in that for about three years. It had an unfinished basement. So then we renovated that.

outside of the city and we're like, well, we can go there. Cause it was great deals on houses. We had like a couple of floor plans and with interest rates being so low, we just kind of like took advantage of that. Cashed out a HELOC on my first property, rented it out, moved there, lived in that for about three years. It had an unfinished basement. So then we renovated that.

So we turned this three bedroom house into a four bedroom house for two people. So it just seems like too much house, the two of us, but then he got a job opportunity that then picked us up and moved us out to California where we're currently living and we're renting out both our houses.

So we turned this three bedroom house into a four bedroom house for two people. So it just seems like too much house, the two of us, but then he got a job opportunity that then picked us up and moved us out to California where we're currently living and we're renting out both our houses.

So we turned this three bedroom house into a four bedroom house for two people. So it just seems like too much house, the two of us, but then he got a job opportunity that then picked us up and moved us out to California where we're currently living and we're renting out both our houses.

And we're still in this weird limbo of like, we only want to move back and we'll eventually just move back into one of our current houses first. But we're like, one's a little too small. One seems a little too big.

And we're still in this weird limbo of like, we only want to move back and we'll eventually just move back into one of our current houses first. But we're like, one's a little too small. One seems a little too big.

And we're still in this weird limbo of like, we only want to move back and we'll eventually just move back into one of our current houses first. But we're like, one's a little too small. One seems a little too big.

So we're trying to like maybe be able to buy another house in a couple of years when interest rates come down a little bit more and just have like our own mini like housing real estate empire is like our new joke of like, we're going to be those people and we can retire him early and he can outmanage them.

So we're trying to like maybe be able to buy another house in a couple of years when interest rates come down a little bit more and just have like our own mini like housing real estate empire is like our new joke of like, we're going to be those people and we can retire him early and he can outmanage them.

So we're trying to like maybe be able to buy another house in a couple of years when interest rates come down a little bit more and just have like our own mini like housing real estate empire is like our new joke of like, we're going to be those people and we can retire him early and he can outmanage them.

We can just kind of live off of those instead of having to deal with the uncertainty of the stock market for our retirement or have it supplemented retirement. in 20 years time when those mortgages are paid off is kind of where we're sitting. But now it's like, how do we figure out saving for a house? Cause he doesn't want to do the HELOC thing again. Like that still terrifies him of like, why?

We can just kind of live off of those instead of having to deal with the uncertainty of the stock market for our retirement or have it supplemented retirement. in 20 years time when those mortgages are paid off is kind of where we're sitting. But now it's like, how do we figure out saving for a house? Cause he doesn't want to do the HELOC thing again. Like that still terrifies him of like, why?

We can just kind of live off of those instead of having to deal with the uncertainty of the stock market for our retirement or have it supplemented retirement. in 20 years time when those mortgages are paid off is kind of where we're sitting. But now it's like, how do we figure out saving for a house? Cause he doesn't want to do the HELOC thing again. Like that still terrifies him of like, why?

Nothing. He just didn't let you just like the idea of having debt. Like he was brought up in those like cash only houses. So I had to teach him. We got married. I'm like, here's how credit scores work. Here's how to get a credit card. Like I had to help buffer him along.

Nothing. He just didn't let you just like the idea of having debt. Like he was brought up in those like cash only houses. So I had to teach him. We got married. I'm like, here's how credit scores work. Here's how to get a credit card. Like I had to help buffer him along.