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Interest rates are lower than inflation, and with blackrock and the government and other organizations working together to make it impossible to own a home, i figure it's a decent time to buy. this one ticks all of the boxes, plenty of space for growing food; it's out in the country so i don't have to deal with the niggerkike infested cities much. it's out of range of 5g. The house itself is nice and big too, and you won't find a Biden/Harris sign within 20 miles of this place.

Now I just need to start a secret society with a 2,000 year plan.

Interest rates are lower than inflation, and with blackrock and the government and other organizations working together to make it impossible to own a home, i figure it's a decent time to buy. this one ticks all of the boxes, plenty of space for growing food; it's out in the country so i don't have to deal with the niggerkike infested cities much. it's out of range of 5g. The house itself is nice and big too, and you won't find a Biden/Harris sign within 20 miles of this place. Now I just need to start a secret society with a 2,000 year plan.

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[–] • 2 pts

Not the part about paying off your home. The Dave Ramsey advice is only meaningful if you don't have all the money to pay off the house already (if you didn't, it shouldn't have been purchased). Say you bought a $400k home: First off, if you only have $50k and used that as a down payment, that's pretty dumb... At the very least, you should've aimed much lower, like $250k. But,if your net worth is at or around $400k, you do, definitely use the loan. You pay off your $80k (20%) and then take the rest of the $320k you owe and you put that in something that will net you at least an annual 10% APY. With that, you use your ~$32k to pay off the home. That's all the more the loan should be. If it's much more, it wasn't ever really a great investment. There's also some cases you can get up nearer to 15% APY, if that helps. Either way, if be surprised if you didn't make out with some monthly change that way. 15 year mortgages are the best.

Honestly, buying a home is really pretty easy and too many people make it too complicated. The biggest problem is so many people are too poor to afford one and they only ever aim at the median house price of the area and buy one way before they're ever ready. The real issue is the discrepancy between median mortgages and rent prices. Everyone is way to eager to get a mortgage they can't afford and end up paying way too much money. Don't be like them and make retarded financial mistakes like this...