Sarah

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.

Nope. He's been here his whole life. His dad was just like some old accountant. That's just the way he was just brought up. It was like cash only, which was great. We first met, like he was great at savings, bought his first car for like $8,000 when he was 21 years old type thing. So it's a really big hook for me. It's like, Ooh, he's great at savings. I had no clue how to do that at the time.

Nope. He's been here his whole life. His dad was just like some old accountant. That's just the way he was just brought up. It was like cash only, which was great. We first met, like he was great at savings, bought his first car for like $8,000 when he was 21 years old type thing. So it's a really big hook for me. It's like, Ooh, he's great at savings. I had no clue how to do that at the time.

Nope. He's been here his whole life. His dad was just like some old accountant. That's just the way he was just brought up. It was like cash only, which was great. We first met, like he was great at savings, bought his first car for like $8,000 when he was 21 years old type thing. So it's a really big hook for me. It's like, Ooh, he's great at savings. I had no clue how to do that at the time.

So that was a good hook, but he just had no idea how credit works. And he just hates the idea of getting into debt. I'm like, but you can use this money to your advantage. But since we still have our HELOC for my first home and we're paying that off. On top of having two mortgages, but all that money comes out of a rental income. So it's not our actual cash out of pocket.

So that was a good hook, but he just had no idea how credit works. And he just hates the idea of getting into debt. I'm like, but you can use this money to your advantage. But since we still have our HELOC for my first home and we're paying that off. On top of having two mortgages, but all that money comes out of a rental income. So it's not our actual cash out of pocket.

So that was a good hook, but he just had no idea how credit works. And he just hates the idea of getting into debt. I'm like, but you can use this money to your advantage. But since we still have our HELOC for my first home and we're paying that off. On top of having two mortgages, but all that money comes out of a rental income. So it's not our actual cash out of pocket.

He doesn't want to either extend another loan or he's just worried about being dead eyeballs. Like the 2008 recession type thing, I think caught his family off guard as well. I think he just has like this fear of being in over his head at the same time.

He doesn't want to either extend another loan or he's just worried about being dead eyeballs. Like the 2008 recession type thing, I think caught his family off guard as well. I think he just has like this fear of being in over his head at the same time.

He doesn't want to either extend another loan or he's just worried about being dead eyeballs. Like the 2008 recession type thing, I think caught his family off guard as well. I think he just has like this fear of being in over his head at the same time.

No. With our big house, we managed to do a 20% down payment because he found out about private mortgage insurance. And he's like, that's a scam. I don't want to deal with that. But like the reality of the market is we probably won't be able to do that again, putting that much down in the house.

No. With our big house, we managed to do a 20% down payment because he found out about private mortgage insurance. And he's like, that's a scam. I don't want to deal with that. But like the reality of the market is we probably won't be able to do that again, putting that much down in the house.

No. With our big house, we managed to do a 20% down payment because he found out about private mortgage insurance. And he's like, that's a scam. I don't want to deal with that. But like the reality of the market is we probably won't be able to do that again, putting that much down in the house.

And so that's his other big issue is like, we spent too much time on Zillow looking at houses and playing around with the numbers. It's like, oh, we can buy this right now. And I'm like, do we really want to buy that? I'll need to renovate this. Like we, he just went full bore from being like, you buy the one family home to pick a fence. And now I'm just like, we're renovating.

And so that's his other big issue is like, we spent too much time on Zillow looking at houses and playing around with the numbers. It's like, oh, we can buy this right now. And I'm like, do we really want to buy that? I'll need to renovate this. Like we, he just went full bore from being like, you buy the one family home to pick a fence. And now I'm just like, we're renovating.

And so that's his other big issue is like, we spent too much time on Zillow looking at houses and playing around with the numbers. It's like, oh, we can buy this right now. And I'm like, do we really want to buy that? I'll need to renovate this. Like we, he just went full bore from being like, you buy the one family home to pick a fence. And now I'm just like, we're renovating.

We converted his way of thinking with my family's weird. it's the money you play with it and this, and we fix it up. And now he's gone full down that rabbit hole. When we first met, he was totally against the idea of painting a house is too much work type. Yeah. It's like he was against it. I was like all for this one equity type thing. I don't know.

We converted his way of thinking with my family's weird. it's the money you play with it and this, and we fix it up. And now he's gone full down that rabbit hole. When we first met, he was totally against the idea of painting a house is too much work type. Yeah. It's like he was against it. I was like all for this one equity type thing. I don't know.

We converted his way of thinking with my family's weird. it's the money you play with it and this, and we fix it up. And now he's gone full down that rabbit hole. When we first met, he was totally against the idea of painting a house is too much work type. Yeah. It's like he was against it. I was like all for this one equity type thing. I don't know.

Correct.