Sarah

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.

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.