advice for a new board member

[mmbuyer]

i am 36 year old engineer. i have 200k cash and 100k salary. let us say i have a stable job. my wife wants a single family home in a posh neighborhood. i cannot afford the million dollar home she wants. short of a divorce what can i do ?

[temeculaguy]

800k loan on 100k salary is not only unreasonable it’s not possible to be approved in today’s market. A 500k purchase with 200k down is a 300k loan and close to half of your take home pay, so that’s your ceiling. If she can’t understand that and wait for either the prices to come down or your income to go up, you have two options. Tell her to get a 100k job and find another 200k cash or re-evaluate the statement “short of a divorce.”

[temeculaguy]

800k loan on 100k salary is not only unreasonable it’s not possible to be approved in today’s market. A 500k purchase with 200k down is a 300k loan and close to half of your take home pay, so that’s your ceiling. If she can’t understand that and wait for either the prices to come down or your income to go up, you have two options. Tell her to get a 100k job and find another 200k cash or re-evaluate the statement “short of a divorce.”

[temeculaguy]

800k loan on 100k salary is not only unreasonable it’s not possible to be approved in today’s market. A 500k purchase with 200k down is a 300k loan and close to half of your take home pay, so that’s your ceiling. If she can’t understand that and wait for either the prices to come down or your income to go up, you have two options. Tell her to get a 100k job and find another 200k cash or re-evaluate the statement “short of a divorce.”

[temeculaguy]

800k loan on 100k salary is not only unreasonable it’s not possible to be approved in today’s market. A 500k purchase with 200k down is a 300k loan and close to half of your take home pay, so that’s your ceiling. If she can’t understand that and wait for either the prices to come down or your income to go up, you have two options. Tell her to get a 100k job and find another 200k cash or re-evaluate the statement “short of a divorce.”

[temeculaguy]

800k loan on 100k salary is not only unreasonable it’s not possible to be approved in today’s market. A 500k purchase with 200k down is a 300k loan and close to half of your take home pay, so that’s your ceiling. If she can’t understand that and wait for either the prices to come down or your income to go up, you have two options. Tell her to get a 100k job and find another 200k cash or re-evaluate the statement “short of a divorce.”

[robyns_song]

What about renting the million dollar home she wants until you have enough time to research areas you would like to live in and the market. At that time, prices will fall a little more and maybe you can afford the home of her dreams (it’ll just be a few hundred thousand less).

[Ash Housewares]

Look at your overall financial picture, not just your address. If you live in a “second tier” neighborhood you will have more money for other things including travel, investing, eating out, retiring at an earlier age, etc. Make her understand that it’s not what she’s giving up in housing, it’s about what she’s gaining in everything else.

[Ash Housewares]

Look at your overall financial picture, not just your address. If you live in a “second tier” neighborhood you will have more money for other things including travel, investing, eating out, retiring at an earlier age, etc. Make her understand that it’s not what she’s giving up in housing, it’s about what she’s gaining in everything else.

[Ash Housewares]

Look at your overall financial picture, not just your address. If you live in a “second tier” neighborhood you will have more money for other things including travel, investing, eating out, retiring at an earlier age, etc. Make her understand that it’s not what she’s giving up in housing, it’s about what she’s gaining in everything else.

[Ash Housewares]

Look at your overall financial picture, not just your address. If you live in a “second tier” neighborhood you will have more money for other things including travel, investing, eating out, retiring at an earlier age, etc. Make her understand that it’s not what she’s giving up in housing, it’s about what she’s gaining in everything else.

[Ash Housewares]

Look at your overall financial picture, not just your address. If you live in a “second tier” neighborhood you will have more money for other things including travel, investing, eating out, retiring at an earlier age, etc. Make her understand that it’s not what she’s giving up in housing, it’s about what she’s gaining in everything else.

[NotCranky]

Repeat after me…”Homie don’t play that!”. “Homie don’t play that… come what may!”.

[NotCranky]

Repeat after me…”Homie don’t play that!”. “Homie don’t play that… come what may!”.

[NotCranky]

Repeat after me…”Homie don’t play that!”. “Homie don’t play that… come what may!”.

[NotCranky]

Repeat after me…”Homie don’t play that!”. “Homie don’t play that… come what may!”.

[NotCranky]

Repeat after me…”Homie don’t play that!”. “Homie don’t play that… come what may!”.

[SD Realtor]

mmbuyer as an engineer I would echo all of the previous posts… unless you have ton of stock that is actually worth something it will be quite difficult to stretch yourself into a million dollar neighborhood. Better to live with your wife and have her snipe at you for not purchasing the home, then lay in bed at night praying you do not get laid off because every penny you have goes to the mortgage. Try to reason with your wife and show her the numbers of how much it would cost to live in a million dollar neighborhood with only 200k down and only 100k or 150k salary. Don’t forget taxes, mello roos (if applicable) insurance and hoa (if applicable). I think the poster (robyns song) that advised you to rent in that million dollar neighborhood made very good sense.

SD Realtor

[SD Realtor]

mmbuyer as an engineer I would echo all of the previous posts… unless you have ton of stock that is actually worth something it will be quite difficult to stretch yourself into a million dollar neighborhood. Better to live with your wife and have her snipe at you for not purchasing the home, then lay in bed at night praying you do not get laid off because every penny you have goes to the mortgage. Try to reason with your wife and show her the numbers of how much it would cost to live in a million dollar neighborhood with only 200k down and only 100k or 150k salary. Don’t forget taxes, mello roos (if applicable) insurance and hoa (if applicable). I think the poster (robyns song) that advised you to rent in that million dollar neighborhood made very good sense.

SD Realtor

[SD Realtor]

mmbuyer as an engineer I would echo all of the previous posts… unless you have ton of stock that is actually worth something it will be quite difficult to stretch yourself into a million dollar neighborhood. Better to live with your wife and have her snipe at you for not purchasing the home, then lay in bed at night praying you do not get laid off because every penny you have goes to the mortgage. Try to reason with your wife and show her the numbers of how much it would cost to live in a million dollar neighborhood with only 200k down and only 100k or 150k salary. Don’t forget taxes, mello roos (if applicable) insurance and hoa (if applicable). I think the poster (robyns song) that advised you to rent in that million dollar neighborhood made very good sense.

SD Realtor

[SD Realtor]

mmbuyer as an engineer I would echo all of the previous posts… unless you have ton of stock that is actually worth something it will be quite difficult to stretch yourself into a million dollar neighborhood. Better to live with your wife and have her snipe at you for not purchasing the home, then lay in bed at night praying you do not get laid off because every penny you have goes to the mortgage. Try to reason with your wife and show her the numbers of how much it would cost to live in a million dollar neighborhood with only 200k down and only 100k or 150k salary. Don’t forget taxes, mello roos (if applicable) insurance and hoa (if applicable). I think the poster (robyns song) that advised you to rent in that million dollar neighborhood made very good sense.

SD Realtor

[SD Realtor]

mmbuyer as an engineer I would echo all of the previous posts… unless you have ton of stock that is actually worth something it will be quite difficult to stretch yourself into a million dollar neighborhood. Better to live with your wife and have her snipe at you for not purchasing the home, then lay in bed at night praying you do not get laid off because every penny you have goes to the mortgage. Try to reason with your wife and show her the numbers of how much it would cost to live in a million dollar neighborhood with only 200k down and only 100k or 150k salary. Don’t forget taxes, mello roos (if applicable) insurance and hoa (if applicable). I think the poster (robyns song) that advised you to rent in that million dollar neighborhood made very good sense.

SD Realtor

[robyns_song]

What about renting the million dollar home she wants until you have enough time to research areas you would like to live in and the market. At that time, prices will fall a little more and maybe you can afford the home of her dreams (it’ll just be a few hundred thousand less).

[robyns_song]

What about renting the million dollar home she wants until you have enough time to research areas you would like to live in and the market. At that time, prices will fall a little more and maybe you can afford the home of her dreams (it’ll just be a few hundred thousand less).

[robyns_song]

What about renting the million dollar home she wants until you have enough time to research areas you would like to live in and the market. At that time, prices will fall a little more and maybe you can afford the home of her dreams (it’ll just be a few hundred thousand less).

[robyns_song]

What about renting the million dollar home she wants until you have enough time to research areas you would like to live in and the market. At that time, prices will fall a little more and maybe you can afford the home of her dreams (it’ll just be a few hundred thousand less).

[Anonymous]

Are you kidding? First of all, if you want to live in a “Posh” neighborhood on an engineer’s salary, you need to move out of California because it’s never going to happen here. Secondly, if your wife is demanding a million dollar house, how much money is she bringing to the table?? If she’s not contributing anything significant and making demands like that I would divorce her high maintenance ass.

[(former)FormerSanDiegan]

short of a divorce what can i do ?

Here’s my solution for you in 4 easy steps.

1. You should start out by finding the shift key on your keyboard.

2. You should apply those engineering skills and compute how much you could afford at today’s rates with 200K down and DTI of 36% or less.

3. You should take what you can afford, add 20% and define that as a posh neighborhood.

4. Wait until you can afford the neighborhood defined in #3 above after a combination of price drops and salary increases.

[(former)FormerSanDiegan]

short of a divorce what can i do ?

Here’s my solution for you in 4 easy steps.

1. You should start out by finding the shift key on your keyboard.

2. You should apply those engineering skills and compute how much you could afford at today’s rates with 200K down and DTI of 36% or less.

3. You should take what you can afford, add 20% and define that as a posh neighborhood.

4. Wait until you can afford the neighborhood defined in #3 above after a combination of price drops and salary increases.

[(former)FormerSanDiegan]

short of a divorce what can i do ?

Here’s my solution for you in 4 easy steps.

1. You should start out by finding the shift key on your keyboard.

2. You should apply those engineering skills and compute how much you could afford at today’s rates with 200K down and DTI of 36% or less.

3. You should take what you can afford, add 20% and define that as a posh neighborhood.

4. Wait until you can afford the neighborhood defined in #3 above after a combination of price drops and salary increases.

[(former)FormerSanDiegan]

short of a divorce what can i do ?

Here’s my solution for you in 4 easy steps.

1. You should start out by finding the shift key on your keyboard.

2. You should apply those engineering skills and compute how much you could afford at today’s rates with 200K down and DTI of 36% or less.

3. You should take what you can afford, add 20% and define that as a posh neighborhood.

4. Wait until you can afford the neighborhood defined in #3 above after a combination of price drops and salary increases.

[(former)FormerSanDiegan]

short of a divorce what can i do ?

Here’s my solution for you in 4 easy steps.

1. You should start out by finding the shift key on your keyboard.

2. You should apply those engineering skills and compute how much you could afford at today’s rates with 200K down and DTI of 36% or less.

3. You should take what you can afford, add 20% and define that as a posh neighborhood.

4. Wait until you can afford the neighborhood defined in #3 above after a combination of price drops and salary increases.

[Anonymous]

Are you kidding? First of all, if you want to live in a “Posh” neighborhood on an engineer’s salary, you need to move out of California because it’s never going to happen here. Secondly, if your wife is demanding a million dollar house, how much money is she bringing to the table?? If she’s not contributing anything significant and making demands like that I would divorce her high maintenance ass.

[Anonymous]

Are you kidding? First of all, if you want to live in a “Posh” neighborhood on an engineer’s salary, you need to move out of California because it’s never going to happen here. Secondly, if your wife is demanding a million dollar house, how much money is she bringing to the table?? If she’s not contributing anything significant and making demands like that I would divorce her high maintenance ass.

[Anonymous]

Are you kidding? First of all, if you want to live in a “Posh” neighborhood on an engineer’s salary, you need to move out of California because it’s never going to happen here. Secondly, if your wife is demanding a million dollar house, how much money is she bringing to the table?? If she’s not contributing anything significant and making demands like that I would divorce her high maintenance ass.

[Anonymous]

Are you kidding? First of all, if you want to live in a “Posh” neighborhood on an engineer’s salary, you need to move out of California because it’s never going to happen here. Secondly, if your wife is demanding a million dollar house, how much money is she bringing to the table?? If she’s not contributing anything significant and making demands like that I would divorce her high maintenance ass.

[barnaby33]

Forget the four easy steps, forget the knee-jerk divorce her ass, you have bigger problems. The mere fact that you would write a post like that means that there is some fundamental breakdown in your communication with your wife. I have a hard time believing she doesn’t know what you make and roughly what your assets are, so that isn’t it.

Sure you can take the engineers approach, write down the numbers and make a logical argument. Of course if you could do that, I doubt you would have written this post. Even if you had it would probably be an entreaty for substantiating facts, not a WTF am I going to do situation.

Maybe a divorce is your best option, or even discussing the idea. Until there is more information on what the real roadblock is everyone here is going to give you typical analytics or gut level reactions. My personal favorites are the gut level reactions, but thats just me.

I have yet to meet a woman who makes the most important decisions in her life (job, housing, etc) in what I would consider a logical fashion. What do ya know, stereotypes are a handy time saver! I have yet to date a woman that I allowed to overpower my rationality with her judgment, but again thats just me. I’m an engineer.

Josh

[TemekuT]

Buy “The Millionaire Next Door’ and read excerpts to her daily about living below one’s means, especially in matters related to housing and vehicles. Drum into her that she has a choice: to be a prodigious accumulator of wealth instead of an underaccumulator of wealth, and that the former will pay off. Then, bring out “The Millionaire Mind” and read to her Chapter 8, “The Home”, dramatizing the sad story of Stever the Stockbroker who is overleveraged with his jumbo 1.2 million dollar mortgage. At the same time, you might want to read Chapter 6, “Choice of Spouse”.

If you’re really serious, joint call Dr. Laura with your wife. I guarantee she will upbraid your wife for jeopardizing the family financial future by being an immature brat and demanding a palace today.

[TemekuT]

Buy “The Millionaire Next Door’ and read excerpts to her daily about living below one’s means, especially in matters related to housing and vehicles. Drum into her that she has a choice: to be a prodigious accumulator of wealth instead of an underaccumulator of wealth, and that the former will pay off. Then, bring out “The Millionaire Mind” and read to her Chapter 8, “The Home”, dramatizing the sad story of Stever the Stockbroker who is overleveraged with his jumbo 1.2 million dollar mortgage. At the same time, you might want to read Chapter 6, “Choice of Spouse”.

If you’re really serious, joint call Dr. Laura with your wife. I guarantee she will upbraid your wife for jeopardizing the family financial future by being an immature brat and demanding a palace today.

[TemekuT]

Buy “The Millionaire Next Door’ and read excerpts to her daily about living below one’s means, especially in matters related to housing and vehicles. Drum into her that she has a choice: to be a prodigious accumulator of wealth instead of an underaccumulator of wealth, and that the former will pay off. Then, bring out “The Millionaire Mind” and read to her Chapter 8, “The Home”, dramatizing the sad story of Stever the Stockbroker who is overleveraged with his jumbo 1.2 million dollar mortgage. At the same time, you might want to read Chapter 6, “Choice of Spouse”.

If you’re really serious, joint call Dr. Laura with your wife. I guarantee she will upbraid your wife for jeopardizing the family financial future by being an immature brat and demanding a palace today.

[TemekuT]

Buy “The Millionaire Next Door’ and read excerpts to her daily about living below one’s means, especially in matters related to housing and vehicles. Drum into her that she has a choice: to be a prodigious accumulator of wealth instead of an underaccumulator of wealth, and that the former will pay off. Then, bring out “The Millionaire Mind” and read to her Chapter 8, “The Home”, dramatizing the sad story of Stever the Stockbroker who is overleveraged with his jumbo 1.2 million dollar mortgage. At the same time, you might want to read Chapter 6, “Choice of Spouse”.

If you’re really serious, joint call Dr. Laura with your wife. I guarantee she will upbraid your wife for jeopardizing the family financial future by being an immature brat and demanding a palace today.

[TemekuT]

Buy “The Millionaire Next Door’ and read excerpts to her daily about living below one’s means, especially in matters related to housing and vehicles. Drum into her that she has a choice: to be a prodigious accumulator of wealth instead of an underaccumulator of wealth, and that the former will pay off. Then, bring out “The Millionaire Mind” and read to her Chapter 8, “The Home”, dramatizing the sad story of Stever the Stockbroker who is overleveraged with his jumbo 1.2 million dollar mortgage. At the same time, you might want to read Chapter 6, “Choice of Spouse”.

If you’re really serious, joint call Dr. Laura with your wife. I guarantee she will upbraid your wife for jeopardizing the family financial future by being an immature brat and demanding a palace today.

[SD Realtor]

mmbuyer I have two words for you…

swing party…

(josh that was for you… see what happens when I post late at night?)

SD Realtor

[CBad]

I bet 30 years ago she begged her daddy for a pony too; doesn’t mean she got it.

Look, she married all of you, the entire package. She knew how much money you made and approx. how much money you were going to make during your married life together short of winning the lotto or some unforeseen circumstances. If she loves you and was serious about this marriage she would not risk everything for a posh neighborhood. How much have you two really talked about this and looked at the numbers closely? Like others have mentioned, if you haven’t already, do this with her and show her it doesn’t make financial sense. If you’ve already done this and she is still pressuring you then I don’t know what to say. I see financial decisions in a marriage to be unanimous only and if you both don’t agree on buying a home like that then you just don’t buy it, period! Figure out what you can afford and agree on and hopefully you’ll get more house by waiting it out over the next couple of years.

By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.

[temeculaguy]

Cbad, if you are single sign me up as your first stalker, well put, you go girl. An intelligent, unemotional woman who can see the big picture, i thought TemekuT was the only hotmom on the boards with a brain, as always i stand corrected.

SD, outstanding!!!! Keep drinking, that’s a gem but you are getting dangerously close to encroaching on my persona. Of course if he did approach her with your idea and she was game, then i retract my first post, buy her anything she wants.

[GunDoctor]

Tell here to crunch the budget numbers and to tell you how it is possible. put the ball right back in her court. She will most likely tell you how jim and jane did it with some kind of funky loan. I would not be surprised if jim and jane did not want YOU to buy THEIR HOUSE.

Anyway, then tell her to go and apply for the loan…and see where she gets.
Let her run her wheels….oncs she crunches some numbers she will sober up in a hurry.
Hopefully
gun

[GunDoctor]

Tell here to crunch the budget numbers and to tell you how it is possible. put the ball right back in her court. She will most likely tell you how jim and jane did it with some kind of funky loan. I would not be surprised if jim and jane did not want YOU to buy THEIR HOUSE.

Anyway, then tell her to go and apply for the loan…and see where she gets.
Let her run her wheels….oncs she crunches some numbers she will sober up in a hurry.
Hopefully
gun

[GunDoctor]

Tell here to crunch the budget numbers and to tell you how it is possible. put the ball right back in her court. She will most likely tell you how jim and jane did it with some kind of funky loan. I would not be surprised if jim and jane did not want YOU to buy THEIR HOUSE.

Anyway, then tell her to go and apply for the loan…and see where she gets.
Let her run her wheels….oncs she crunches some numbers she will sober up in a hurry.
Hopefully
gun

[GunDoctor]

Tell here to crunch the budget numbers and to tell you how it is possible. put the ball right back in her court. She will most likely tell you how jim and jane did it with some kind of funky loan. I would not be surprised if jim and jane did not want YOU to buy THEIR HOUSE.

Anyway, then tell her to go and apply for the loan…and see where she gets.
Let her run her wheels….oncs she crunches some numbers she will sober up in a hurry.
Hopefully
gun

[GunDoctor]

Tell here to crunch the budget numbers and to tell you how it is possible. put the ball right back in her court. She will most likely tell you how jim and jane did it with some kind of funky loan. I would not be surprised if jim and jane did not want YOU to buy THEIR HOUSE.

Anyway, then tell her to go and apply for the loan…and see where she gets.
Let her run her wheels….oncs she crunches some numbers she will sober up in a hurry.
Hopefully
gun

[TemekuT]

temeculaguy, thanks for the compliment. I need to find a clone of myself and Cbad to introduce you to, an OEM model that will jog with you:)

[5yes]

Hey, I love the women power morning! I too wear a bra and make sound financial decisions, often at the same time! I think a lot of men are secretly intimidated by savy women, but in my opinion an equal partnership is the best way to run a marriage.

I agree that you should introduce your wife to this website and encourage her to spend some time reading the charts and facts. Hopefully she will see that planning together the best future for your family is more important than impressing everyone with her big shiny new house.

[5yes]

Hey, I love the women power morning! I too wear a bra and make sound financial decisions, often at the same time! I think a lot of men are secretly intimidated by savy women, but in my opinion an equal partnership is the best way to run a marriage.

I agree that you should introduce your wife to this website and encourage her to spend some time reading the charts and facts. Hopefully she will see that planning together the best future for your family is more important than impressing everyone with her big shiny new house.

[5yes]

Hey, I love the women power morning! I too wear a bra and make sound financial decisions, often at the same time! I think a lot of men are secretly intimidated by savy women, but in my opinion an equal partnership is the best way to run a marriage.

I agree that you should introduce your wife to this website and encourage her to spend some time reading the charts and facts. Hopefully she will see that planning together the best future for your family is more important than impressing everyone with her big shiny new house.

[5yes]

Hey, I love the women power morning! I too wear a bra and make sound financial decisions, often at the same time! I think a lot of men are secretly intimidated by savy women, but in my opinion an equal partnership is the best way to run a marriage.

I agree that you should introduce your wife to this website and encourage her to spend some time reading the charts and facts. Hopefully she will see that planning together the best future for your family is more important than impressing everyone with her big shiny new house.

[5yes]

Hey, I love the women power morning! I too wear a bra and make sound financial decisions, often at the same time! I think a lot of men are secretly intimidated by savy women, but in my opinion an equal partnership is the best way to run a marriage.

I agree that you should introduce your wife to this website and encourage her to spend some time reading the charts and facts. Hopefully she will see that planning together the best future for your family is more important than impressing everyone with her big shiny new house.

[NotCranky]

I told my wife about OP’s plight. She says guys like this must be exaggerating what is going on, or ommitting half of the story. Ideas for the other half of the story pop into my head but should not be posted.

[(former)FormerSanDiegan]

She says guys like this must be exaggerating what is going on, or ommitting half of the story.

… or trolling …

[Enorah]

Jumping in with the chicks here.

I am the one in this house who has been watching and reading about housing the past couple of years.

Every financial decision we make is a joint decision with much discussion. Often I am more practical than he.

Oh, and as for the op, come on? Seriously?

[Enorah]

Jumping in with the chicks here.

I am the one in this house who has been watching and reading about housing the past couple of years.

Every financial decision we make is a joint decision with much discussion. Often I am more practical than he.

Oh, and as for the op, come on? Seriously?

[Enorah]

Jumping in with the chicks here.

I am the one in this house who has been watching and reading about housing the past couple of years.

Every financial decision we make is a joint decision with much discussion. Often I am more practical than he.

Oh, and as for the op, come on? Seriously?

[Enorah]

Jumping in with the chicks here.

I am the one in this house who has been watching and reading about housing the past couple of years.

Every financial decision we make is a joint decision with much discussion. Often I am more practical than he.

Oh, and as for the op, come on? Seriously?

[Enorah]

Jumping in with the chicks here.

I am the one in this house who has been watching and reading about housing the past couple of years.

Every financial decision we make is a joint decision with much discussion. Often I am more practical than he.

Oh, and as for the op, come on? Seriously?

[NotCranky]

Trolling fits. What a strange thing to use as a lure. I bet alcohol played a roll. It seems like a miserable situation is behind it.

[NotCranky]

Trolling fits. What a strange thing to use as a lure. I bet alcohol played a roll. It seems like a miserable situation is behind it.

[NotCranky]

Trolling fits. What a strange thing to use as a lure. I bet alcohol played a roll. It seems like a miserable situation is behind it.

[NotCranky]

Trolling fits. What a strange thing to use as a lure. I bet alcohol played a roll. It seems like a miserable situation is behind it.

[NotCranky]

Trolling fits. What a strange thing to use as a lure. I bet alcohol played a roll. It seems like a miserable situation is behind it.

[(former)FormerSanDiegan]

She says guys like this must be exaggerating what is going on, or ommitting half of the story.

… or trolling …

[(former)FormerSanDiegan]

She says guys like this must be exaggerating what is going on, or ommitting half of the story.

… or trolling …

[(former)FormerSanDiegan]

She says guys like this must be exaggerating what is going on, or ommitting half of the story.

… or trolling …

[(former)FormerSanDiegan]

She says guys like this must be exaggerating what is going on, or ommitting half of the story.

… or trolling …

[NotCranky]

I told my wife about OP’s plight. She says guys like this must be exaggerating what is going on, or ommitting half of the story. Ideas for the other half of the story pop into my head but should not be posted.

[NotCranky]

I told my wife about OP’s plight. She says guys like this must be exaggerating what is going on, or ommitting half of the story. Ideas for the other half of the story pop into my head but should not be posted.

[NotCranky]

I told my wife about OP’s plight. She says guys like this must be exaggerating what is going on, or ommitting half of the story. Ideas for the other half of the story pop into my head but should not be posted.

[NotCranky]

I told my wife about OP’s plight. She says guys like this must be exaggerating what is going on, or ommitting half of the story. Ideas for the other half of the story pop into my head but should not be posted.

[TemekuT]

temeculaguy, thanks for the compliment. I need to find a clone of myself and Cbad to introduce you to, an OEM model that will jog with you:)

[TemekuT]

temeculaguy, thanks for the compliment. I need to find a clone of myself and Cbad to introduce you to, an OEM model that will jog with you:)

[TemekuT]

temeculaguy, thanks for the compliment. I need to find a clone of myself and Cbad to introduce you to, an OEM model that will jog with you:)

[TemekuT]

temeculaguy, thanks for the compliment. I need to find a clone of myself and Cbad to introduce you to, an OEM model that will jog with you:)

[temeculaguy]

Cbad, if you are single sign me up as your first stalker, well put, you go girl. An intelligent, unemotional woman who can see the big picture, i thought TemekuT was the only hotmom on the boards with a brain, as always i stand corrected.

SD, outstanding!!!! Keep drinking, that’s a gem but you are getting dangerously close to encroaching on my persona. Of course if he did approach her with your idea and she was game, then i retract my first post, buy her anything she wants.

[temeculaguy]

Cbad, if you are single sign me up as your first stalker, well put, you go girl. An intelligent, unemotional woman who can see the big picture, i thought TemekuT was the only hotmom on the boards with a brain, as always i stand corrected.

SD, outstanding!!!! Keep drinking, that’s a gem but you are getting dangerously close to encroaching on my persona. Of course if he did approach her with your idea and she was game, then i retract my first post, buy her anything she wants.

[temeculaguy]

Cbad, if you are single sign me up as your first stalker, well put, you go girl. An intelligent, unemotional woman who can see the big picture, i thought TemekuT was the only hotmom on the boards with a brain, as always i stand corrected.

SD, outstanding!!!! Keep drinking, that’s a gem but you are getting dangerously close to encroaching on my persona. Of course if he did approach her with your idea and she was game, then i retract my first post, buy her anything she wants.

[temeculaguy]

Cbad, if you are single sign me up as your first stalker, well put, you go girl. An intelligent, unemotional woman who can see the big picture, i thought TemekuT was the only hotmom on the boards with a brain, as always i stand corrected.

SD, outstanding!!!! Keep drinking, that’s a gem but you are getting dangerously close to encroaching on my persona. Of course if he did approach her with your idea and she was game, then i retract my first post, buy her anything she wants.

[TemekuT]

“By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.”

Yes, CBad, there are a fair amount of scared and scarred men that post here. Maybe they fell for the trap of looks over substance and got burned? My husband swears that the high school dorky, geeky girls, the late bloomers, are the ones that hit their stride later and are beautiful, accomplished, physically fit high achievers after the others have faded out. I also think the late bloomers would be the ones with the rational brains and common sense…they figured out as teens that they couldn’t manipulate the boys!

[TemekuT]

“By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.”

Yes, CBad, there are a fair amount of scared and scarred men that post here. Maybe they fell for the trap of looks over substance and got burned? My husband swears that the high school dorky, geeky girls, the late bloomers, are the ones that hit their stride later and are beautiful, accomplished, physically fit high achievers after the others have faded out. I also think the late bloomers would be the ones with the rational brains and common sense…they figured out as teens that they couldn’t manipulate the boys!

[TemekuT]

“By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.”

Yes, CBad, there are a fair amount of scared and scarred men that post here. Maybe they fell for the trap of looks over substance and got burned? My husband swears that the high school dorky, geeky girls, the late bloomers, are the ones that hit their stride later and are beautiful, accomplished, physically fit high achievers after the others have faded out. I also think the late bloomers would be the ones with the rational brains and common sense…they figured out as teens that they couldn’t manipulate the boys!

[TemekuT]

“By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.”

Yes, CBad, there are a fair amount of scared and scarred men that post here. Maybe they fell for the trap of looks over substance and got burned? My husband swears that the high school dorky, geeky girls, the late bloomers, are the ones that hit their stride later and are beautiful, accomplished, physically fit high achievers after the others have faded out. I also think the late bloomers would be the ones with the rational brains and common sense…they figured out as teens that they couldn’t manipulate the boys!

[TemekuT]

“By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.”

Yes, CBad, there are a fair amount of scared and scarred men that post here. Maybe they fell for the trap of looks over substance and got burned? My husband swears that the high school dorky, geeky girls, the late bloomers, are the ones that hit their stride later and are beautiful, accomplished, physically fit high achievers after the others have faded out. I also think the late bloomers would be the ones with the rational brains and common sense…they figured out as teens that they couldn’t manipulate the boys!

[CBad]

I bet 30 years ago she begged her daddy for a pony too; doesn’t mean she got it.

Look, she married all of you, the entire package. She knew how much money you made and approx. how much money you were going to make during your married life together short of winning the lotto or some unforeseen circumstances. If she loves you and was serious about this marriage she would not risk everything for a posh neighborhood. How much have you two really talked about this and looked at the numbers closely? Like others have mentioned, if you haven’t already, do this with her and show her it doesn’t make financial sense. If you’ve already done this and she is still pressuring you then I don’t know what to say. I see financial decisions in a marriage to be unanimous only and if you both don’t agree on buying a home like that then you just don’t buy it, period! Figure out what you can afford and agree on and hopefully you’ll get more house by waiting it out over the next couple of years.

By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.

[CBad]

I bet 30 years ago she begged her daddy for a pony too; doesn’t mean she got it.

Look, she married all of you, the entire package. She knew how much money you made and approx. how much money you were going to make during your married life together short of winning the lotto or some unforeseen circumstances. If she loves you and was serious about this marriage she would not risk everything for a posh neighborhood. How much have you two really talked about this and looked at the numbers closely? Like others have mentioned, if you haven’t already, do this with her and show her it doesn’t make financial sense. If you’ve already done this and she is still pressuring you then I don’t know what to say. I see financial decisions in a marriage to be unanimous only and if you both don’t agree on buying a home like that then you just don’t buy it, period! Figure out what you can afford and agree on and hopefully you’ll get more house by waiting it out over the next couple of years.

By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.

[CBad]

I bet 30 years ago she begged her daddy for a pony too; doesn’t mean she got it.

Look, she married all of you, the entire package. She knew how much money you made and approx. how much money you were going to make during your married life together short of winning the lotto or some unforeseen circumstances. If she loves you and was serious about this marriage she would not risk everything for a posh neighborhood. How much have you two really talked about this and looked at the numbers closely? Like others have mentioned, if you haven’t already, do this with her and show her it doesn’t make financial sense. If you’ve already done this and she is still pressuring you then I don’t know what to say. I see financial decisions in a marriage to be unanimous only and if you both don’t agree on buying a home like that then you just don’t buy it, period! Figure out what you can afford and agree on and hopefully you’ll get more house by waiting it out over the next couple of years.

By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.

[CBad]

I bet 30 years ago she begged her daddy for a pony too; doesn’t mean she got it.

Look, she married all of you, the entire package. She knew how much money you made and approx. how much money you were going to make during your married life together short of winning the lotto or some unforeseen circumstances. If she loves you and was serious about this marriage she would not risk everything for a posh neighborhood. How much have you two really talked about this and looked at the numbers closely? Like others have mentioned, if you haven’t already, do this with her and show her it doesn’t make financial sense. If you’ve already done this and she is still pressuring you then I don’t know what to say. I see financial decisions in a marriage to be unanimous only and if you both don’t agree on buying a home like that then you just don’t buy it, period! Figure out what you can afford and agree on and hopefully you’ll get more house by waiting it out over the next couple of years.

By the way, this is coming from a woman. Ahem, a woman who does have common sense and a rational brain inside her head. I swear some of the men on this board must have really had some bad relationships in the past. We’re not ALL like that.

[SD Realtor]

mmbuyer I have two words for you…

swing party…

(josh that was for you… see what happens when I post late at night?)

SD Realtor

[SD Realtor]

mmbuyer I have two words for you…

swing party…

(josh that was for you… see what happens when I post late at night?)

SD Realtor

[SD Realtor]

mmbuyer I have two words for you…

swing party…

(josh that was for you… see what happens when I post late at night?)

SD Realtor

[SD Realtor]

mmbuyer I have two words for you…

swing party…

(josh that was for you… see what happens when I post late at night?)

SD Realtor

[sdduuuude]

Putting this down as a quote of the year candidate:

“stereotypes are a handy time saver”

[bsrsharma]

mmbuyer – I offer no marriage counseling; However, you may like to consider relocating to a state that is more friendly to affordable family formation. Unfortunately (for some people), many of these are the Red states. You can live very happily with what you make in a “Posh” home in any Southeastern State or Midwest or Rocky mountain areas.

[bsrsharma]

mmbuyer – I offer no marriage counseling; However, you may like to consider relocating to a state that is more friendly to affordable family formation. Unfortunately (for some people), many of these are the Red states. You can live very happily with what you make in a “Posh” home in any Southeastern State or Midwest or Rocky mountain areas.

[bsrsharma]

mmbuyer – I offer no marriage counseling; However, you may like to consider relocating to a state that is more friendly to affordable family formation. Unfortunately (for some people), many of these are the Red states. You can live very happily with what you make in a “Posh” home in any Southeastern State or Midwest or Rocky mountain areas.

[bsrsharma]

mmbuyer – I offer no marriage counseling; However, you may like to consider relocating to a state that is more friendly to affordable family formation. Unfortunately (for some people), many of these are the Red states. You can live very happily with what you make in a “Posh” home in any Southeastern State or Midwest or Rocky mountain areas.

[bsrsharma]

mmbuyer – I offer no marriage counseling; However, you may like to consider relocating to a state that is more friendly to affordable family formation. Unfortunately (for some people), many of these are the Red states. You can live very happily with what you make in a “Posh” home in any Southeastern State or Midwest or Rocky mountain areas.

[CBad]

Thanks TG, but I am very happily married. But like I said before, you’re sure to make some lucky girl very happy with that great sense of humor as yours!

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[raptorduck]

I say educate your wife on 1) what you can actually qualify for with that income and down payment, 2) what that will buy you in today’s market, 3) that you should buy less than that to have some protection against the falling knife, and 4) that if she really wants more house than that, you should indeed rent “more” house until prices come down even more and your income goes up so you can get close to her dream home. She should see the logic in that and agree with you and you should be fine.

If for some reason she still insists despite logic, then I am with those who said you should tell her to go get her own $100k job or better.

[raptorduck]

I say educate your wife on 1) what you can actually qualify for with that income and down payment, 2) what that will buy you in today’s market, 3) that you should buy less than that to have some protection against the falling knife, and 4) that if she really wants more house than that, you should indeed rent “more” house until prices come down even more and your income goes up so you can get close to her dream home. She should see the logic in that and agree with you and you should be fine.

If for some reason she still insists despite logic, then I am with those who said you should tell her to go get her own $100k job or better.

[raptorduck]

I say educate your wife on 1) what you can actually qualify for with that income and down payment, 2) what that will buy you in today’s market, 3) that you should buy less than that to have some protection against the falling knife, and 4) that if she really wants more house than that, you should indeed rent “more” house until prices come down even more and your income goes up so you can get close to her dream home. She should see the logic in that and agree with you and you should be fine.

If for some reason she still insists despite logic, then I am with those who said you should tell her to go get her own $100k job or better.

[raptorduck]

I say educate your wife on 1) what you can actually qualify for with that income and down payment, 2) what that will buy you in today’s market, 3) that you should buy less than that to have some protection against the falling knife, and 4) that if she really wants more house than that, you should indeed rent “more” house until prices come down even more and your income goes up so you can get close to her dream home. She should see the logic in that and agree with you and you should be fine.

If for some reason she still insists despite logic, then I am with those who said you should tell her to go get her own $100k job or better.

[raptorduck]

I say educate your wife on 1) what you can actually qualify for with that income and down payment, 2) what that will buy you in today’s market, 3) that you should buy less than that to have some protection against the falling knife, and 4) that if she really wants more house than that, you should indeed rent “more” house until prices come down even more and your income goes up so you can get close to her dream home. She should see the logic in that and agree with you and you should be fine.

If for some reason she still insists despite logic, then I am with those who said you should tell her to go get her own $100k job or better.

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[halftrojan]

Besides the marriage stuff, how can any of you even suggest to put his entire $200k in a house? Putting all your apples in a illiquid asset is suicide. Unless you are Arod, why would you ever put more than 20% down?

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[drunkle]

cut your losses now. dont wait for the value to sink any further. depending on when you got into your current wife, you may still have equity you can save. and, with the current exchange rates, you may find a sucker overseas investor to take her off your hands.

either way, dump her, find yourself a rental with a nice attitude and nice amenities. in a couple years, you may either buy the rental or find another for half off. be patient, the marriage mess is only just unfolding.

[CBad]

Thanks TG, but I am very happily married. But like I said before, you’re sure to make some lucky girl very happy with that great sense of humor as yours!

[CBad]

Thanks TG, but I am very happily married. But like I said before, you’re sure to make some lucky girl very happy with that great sense of humor as yours!

[CBad]

Thanks TG, but I am very happily married. But like I said before, you’re sure to make some lucky girl very happy with that great sense of humor as yours!

[CBad]

Thanks TG, but I am very happily married. But like I said before, you’re sure to make some lucky girl very happy with that great sense of humor as yours!

[sdduuuude]

Putting this down as a quote of the year candidate:

“stereotypes are a handy time saver”

[sdduuuude]

Putting this down as a quote of the year candidate:

“stereotypes are a handy time saver”

[sdduuuude]

Putting this down as a quote of the year candidate:

“stereotypes are a handy time saver”

[sdduuuude]

Putting this down as a quote of the year candidate:

“stereotypes are a handy time saver”

[barnaby33]

Forget the four easy steps, forget the knee-jerk divorce her ass, you have bigger problems. The mere fact that you would write a post like that means that there is some fundamental breakdown in your communication with your wife. I have a hard time believing she doesn’t know what you make and roughly what your assets are, so that isn’t it.

Sure you can take the engineers approach, write down the numbers and make a logical argument. Of course if you could do that, I doubt you would have written this post. Even if you had it would probably be an entreaty for substantiating facts, not a WTF am I going to do situation.

Maybe a divorce is your best option, or even discussing the idea. Until there is more information on what the real roadblock is everyone here is going to give you typical analytics or gut level reactions. My personal favorites are the gut level reactions, but thats just me.

I have yet to meet a woman who makes the most important decisions in her life (job, housing, etc) in what I would consider a logical fashion. What do ya know, stereotypes are a handy time saver! I have yet to date a woman that I allowed to overpower my rationality with her judgment, but again thats just me. I’m an engineer.

Josh

[barnaby33]

Forget the four easy steps, forget the knee-jerk divorce her ass, you have bigger problems. The mere fact that you would write a post like that means that there is some fundamental breakdown in your communication with your wife. I have a hard time believing she doesn’t know what you make and roughly what your assets are, so that isn’t it.

Sure you can take the engineers approach, write down the numbers and make a logical argument. Of course if you could do that, I doubt you would have written this post. Even if you had it would probably be an entreaty for substantiating facts, not a WTF am I going to do situation.

Maybe a divorce is your best option, or even discussing the idea. Until there is more information on what the real roadblock is everyone here is going to give you typical analytics or gut level reactions. My personal favorites are the gut level reactions, but thats just me.

I have yet to meet a woman who makes the most important decisions in her life (job, housing, etc) in what I would consider a logical fashion. What do ya know, stereotypes are a handy time saver! I have yet to date a woman that I allowed to overpower my rationality with her judgment, but again thats just me. I’m an engineer.

Josh

[barnaby33]

Forget the four easy steps, forget the knee-jerk divorce her ass, you have bigger problems. The mere fact that you would write a post like that means that there is some fundamental breakdown in your communication with your wife. I have a hard time believing she doesn’t know what you make and roughly what your assets are, so that isn’t it.

Sure you can take the engineers approach, write down the numbers and make a logical argument. Of course if you could do that, I doubt you would have written this post. Even if you had it would probably be an entreaty for substantiating facts, not a WTF am I going to do situation.

Maybe a divorce is your best option, or even discussing the idea. Until there is more information on what the real roadblock is everyone here is going to give you typical analytics or gut level reactions. My personal favorites are the gut level reactions, but thats just me.

I have yet to meet a woman who makes the most important decisions in her life (job, housing, etc) in what I would consider a logical fashion. What do ya know, stereotypes are a handy time saver! I have yet to date a woman that I allowed to overpower my rationality with her judgment, but again thats just me. I’m an engineer.

Josh

[barnaby33]

Forget the four easy steps, forget the knee-jerk divorce her ass, you have bigger problems. The mere fact that you would write a post like that means that there is some fundamental breakdown in your communication with your wife. I have a hard time believing she doesn’t know what you make and roughly what your assets are, so that isn’t it.

Sure you can take the engineers approach, write down the numbers and make a logical argument. Of course if you could do that, I doubt you would have written this post. Even if you had it would probably be an entreaty for substantiating facts, not a WTF am I going to do situation.

Maybe a divorce is your best option, or even discussing the idea. Until there is more information on what the real roadblock is everyone here is going to give you typical analytics or gut level reactions. My personal favorites are the gut level reactions, but thats just me.

I have yet to meet a woman who makes the most important decisions in her life (job, housing, etc) in what I would consider a logical fashion. What do ya know, stereotypes are a handy time saver! I have yet to date a woman that I allowed to overpower my rationality with her judgment, but again thats just me. I’m an engineer.

Josh

[Navydoc]

I’m surprised noone has suggested this before- introduce her to this forum! After I found this site I started reading it with my wife and now she is nearly as addicted to it as I am. As a consequence when it comes time fo us to move in spring 09 we will be able to make a sound decision together, rather than one of us believing we can afford more home than we really can.

[ocrenter]

have her listen to this.

but honestly, I don’t even think you can get a loan for that $1 million place even if you wanted to these days. you could just go thru the motions and go, “sorry hun, credit crunch from the subprime mess, we can’t qualify!”

[ocrenter]

have her listen to this.

but honestly, I don’t even think you can get a loan for that $1 million place even if you wanted to these days. you could just go thru the motions and go, “sorry hun, credit crunch from the subprime mess, we can’t qualify!”

[ocrenter]

have her listen to this.

but honestly, I don’t even think you can get a loan for that $1 million place even if you wanted to these days. you could just go thru the motions and go, “sorry hun, credit crunch from the subprime mess, we can’t qualify!”

[ocrenter]

have her listen to this.

but honestly, I don’t even think you can get a loan for that $1 million place even if you wanted to these days. you could just go thru the motions and go, “sorry hun, credit crunch from the subprime mess, we can’t qualify!”

[ocrenter]

have her listen to this.

but honestly, I don’t even think you can get a loan for that $1 million place even if you wanted to these days. you could just go thru the motions and go, “sorry hun, credit crunch from the subprime mess, we can’t qualify!”

[Navydoc]

I’m surprised noone has suggested this before- introduce her to this forum! After I found this site I started reading it with my wife and now she is nearly as addicted to it as I am. As a consequence when it comes time fo us to move in spring 09 we will be able to make a sound decision together, rather than one of us believing we can afford more home than we really can.

[Navydoc]

I’m surprised noone has suggested this before- introduce her to this forum! After I found this site I started reading it with my wife and now she is nearly as addicted to it as I am. As a consequence when it comes time fo us to move in spring 09 we will be able to make a sound decision together, rather than one of us believing we can afford more home than we really can.

[Navydoc]

I’m surprised noone has suggested this before- introduce her to this forum! After I found this site I started reading it with my wife and now she is nearly as addicted to it as I am. As a consequence when it comes time fo us to move in spring 09 we will be able to make a sound decision together, rather than one of us believing we can afford more home than we really can.

[Navydoc]

I’m surprised noone has suggested this before- introduce her to this forum! After I found this site I started reading it with my wife and now she is nearly as addicted to it as I am. As a consequence when it comes time fo us to move in spring 09 we will be able to make a sound decision together, rather than one of us believing we can afford more home than we really can.

[Doofrat]

I’ve gotta dispute that you have a “stable job”. It can be really surprising when you’re working along at what you think is a very stable job at a very stable company and the next day you wake up to news that your company is being: Merged, acquired, moved, etc..

If you’re lucky, you’ll hear about it in rumors, or the company will be totally public about it, but chances are that there could be nothing, and then a few months later you’re out the door looking for that next $100,000 a year job.

Now, you didn’t state that your wife worked, so I’ll assume that she doesn’t and that the $100,000/ yr. is all you’re getting. In my opinion, you need to also figure out what your monthly expenses on this house are (property tax, water, gas, electricity, mortgage payments, insurance, etc.) and think about the worst case scenario where you lose your job for any of the above mentioned reasons.

Just a tip from someone who’s been there.

[mmbuyer]

thanks to all of you for your responses

temeculaguy
thanks for the advice

robyns_song
unfortunately my wife believes that renting is $$$ down the drain

Ash Housewares
thanks for the suggestion. my wife is thrifty. she cooks our dinner/lunches and packs my lunch for work. she drives an old car. we do not eat out more than once a month. she is willing to trade a lot of other expenses (flat screen TV, vacations) for a home.

Rustico
that is funny

deadzone
I am not asking for a CEO home. My wife finished her grad school. she has a job lined up for 60k. she might have to quit her job if we have a couple of kids

FormerSanDiegan
I realize I can “afford” a 600k home with my salary.

SD Realtor
I do not have any stock option money or huge inheritances coming my way.

barnaby33

you are right that there were some fundamental marriage issues. luckily we have sorted most of them out.

mekuT
my wife has read the book. she practises most of what is written in “Millionaire next door” except the house part 🙂

CBad
She is not that bad. Except the house part. I hope I can wait for another 4-5 years.

GunDoctor
tried that

Navydoc
she has read this forum once. sometimes she feels piggingtoners are sane. sometimes she feels that you are bunch of losers. i would not take it personally.

Rustico
I am not exaggerating. I am leaving some data out for privacy reasons.

bsrsharma
we will see. if i can make it in san diego i will stay here. great place.

otherwise i might move to raleigh, chicago or dallas.

halftrojan
I do have signifcant amount of retirement assets not included in the 200k

doofrat
I do have a fairly stable job. i somewhat control my own destiny. i never said that i had 100% security.

[ibjames]

She probably thinks we are losers because we don’t agree with her heart 😉

[SD Realtor]

mmbuyer good responses. I am glad you did not bail on the post.

I posted about an experiment that I performed once where I had 3 engineers in my office come over and read piggington for awhile. These are bright guys, 2 are renting, one owns his home free and clear. They did not view all of the posters as losers but they did feel there was a strong negative bias here, not just about housing but pretty much about everything. In some cases they felt the bias was quite extreme.

Now my read on this post is that while the bias may be quite negative, I think the jury is very much still out on things. While it seems things have taken and will take longer then expected for the sky to fall, it may still indeed fall. Will it still be confined to housing and will it be a major economic recession? Quite possibly.

I don’t want to detour this thread into a discussion on whether people are right or wrong.

I do want to say that there is an outward pessimistic tone, and some of the posters can be brutal and make light of peoples wives who want a home. However many of these same posters also back up thier posts with facts and they do have insightful analysis. There may be a bias but I think time will bear them out to be for the most part correct. By the same token as you can see there are posts that are pretty off the wall and are clearly made just to get a rise out of people. Those are the ones that really are not worth the time of day.

Hang in there mmbuyer. It sounds like our wives may be the same. Mine works really hard, does not overspend, she doesn’t want or need the million dollar home, nor does she want me to be strapped with a payment that will bury us… she just wants a home.

SD Realtor

[ibjames]

my wife just upped our saving requirements, she’s starting to get annoying!

[ibjames]

my wife just upped our saving requirements, she’s starting to get annoying!

[ibjames]

my wife just upped our saving requirements, she’s starting to get annoying!

[ibjames]

my wife just upped our saving requirements, she’s starting to get annoying!

[ibjames]

my wife just upped our saving requirements, she’s starting to get annoying!

[SD Realtor]

mmbuyer good responses. I am glad you did not bail on the post.

I posted about an experiment that I performed once where I had 3 engineers in my office come over and read piggington for awhile. These are bright guys, 2 are renting, one owns his home free and clear. They did not view all of the posters as losers but they did feel there was a strong negative bias here, not just about housing but pretty much about everything. In some cases they felt the bias was quite extreme.

Now my read on this post is that while the bias may be quite negative, I think the jury is very much still out on things. While it seems things have taken and will take longer then expected for the sky to fall, it may still indeed fall. Will it still be confined to housing and will it be a major economic recession? Quite possibly.

I don’t want to detour this thread into a discussion on whether people are right or wrong.

I do want to say that there is an outward pessimistic tone, and some of the posters can be brutal and make light of peoples wives who want a home. However many of these same posters also back up thier posts with facts and they do have insightful analysis. There may be a bias but I think time will bear them out to be for the most part correct. By the same token as you can see there are posts that are pretty off the wall and are clearly made just to get a rise out of people. Those are the ones that really are not worth the time of day.

Hang in there mmbuyer. It sounds like our wives may be the same. Mine works really hard, does not overspend, she doesn’t want or need the million dollar home, nor does she want me to be strapped with a payment that will bury us… she just wants a home.

SD Realtor

[SD Realtor]

mmbuyer good responses. I am glad you did not bail on the post.

I posted about an experiment that I performed once where I had 3 engineers in my office come over and read piggington for awhile. These are bright guys, 2 are renting, one owns his home free and clear. They did not view all of the posters as losers but they did feel there was a strong negative bias here, not just about housing but pretty much about everything. In some cases they felt the bias was quite extreme.

Now my read on this post is that while the bias may be quite negative, I think the jury is very much still out on things. While it seems things have taken and will take longer then expected for the sky to fall, it may still indeed fall. Will it still be confined to housing and will it be a major economic recession? Quite possibly.

I don’t want to detour this thread into a discussion on whether people are right or wrong.

I do want to say that there is an outward pessimistic tone, and some of the posters can be brutal and make light of peoples wives who want a home. However many of these same posters also back up thier posts with facts and they do have insightful analysis. There may be a bias but I think time will bear them out to be for the most part correct. By the same token as you can see there are posts that are pretty off the wall and are clearly made just to get a rise out of people. Those are the ones that really are not worth the time of day.

Hang in there mmbuyer. It sounds like our wives may be the same. Mine works really hard, does not overspend, she doesn’t want or need the million dollar home, nor does she want me to be strapped with a payment that will bury us… she just wants a home.

SD Realtor

[SD Realtor]

mmbuyer good responses. I am glad you did not bail on the post.

I posted about an experiment that I performed once where I had 3 engineers in my office come over and read piggington for awhile. These are bright guys, 2 are renting, one owns his home free and clear. They did not view all of the posters as losers but they did feel there was a strong negative bias here, not just about housing but pretty much about everything. In some cases they felt the bias was quite extreme.

Now my read on this post is that while the bias may be quite negative, I think the jury is very much still out on things. While it seems things have taken and will take longer then expected for the sky to fall, it may still indeed fall. Will it still be confined to housing and will it be a major economic recession? Quite possibly.

I don’t want to detour this thread into a discussion on whether people are right or wrong.

I do want to say that there is an outward pessimistic tone, and some of the posters can be brutal and make light of peoples wives who want a home. However many of these same posters also back up thier posts with facts and they do have insightful analysis. There may be a bias but I think time will bear them out to be for the most part correct. By the same token as you can see there are posts that are pretty off the wall and are clearly made just to get a rise out of people. Those are the ones that really are not worth the time of day.

Hang in there mmbuyer. It sounds like our wives may be the same. Mine works really hard, does not overspend, she doesn’t want or need the million dollar home, nor does she want me to be strapped with a payment that will bury us… she just wants a home.

SD Realtor

[SD Realtor]

mmbuyer good responses. I am glad you did not bail on the post.

I posted about an experiment that I performed once where I had 3 engineers in my office come over and read piggington for awhile. These are bright guys, 2 are renting, one owns his home free and clear. They did not view all of the posters as losers but they did feel there was a strong negative bias here, not just about housing but pretty much about everything. In some cases they felt the bias was quite extreme.

Now my read on this post is that while the bias may be quite negative, I think the jury is very much still out on things. While it seems things have taken and will take longer then expected for the sky to fall, it may still indeed fall. Will it still be confined to housing and will it be a major economic recession? Quite possibly.

I don’t want to detour this thread into a discussion on whether people are right or wrong.

I do want to say that there is an outward pessimistic tone, and some of the posters can be brutal and make light of peoples wives who want a home. However many of these same posters also back up thier posts with facts and they do have insightful analysis. There may be a bias but I think time will bear them out to be for the most part correct. By the same token as you can see there are posts that are pretty off the wall and are clearly made just to get a rise out of people. Those are the ones that really are not worth the time of day.

Hang in there mmbuyer. It sounds like our wives may be the same. Mine works really hard, does not overspend, she doesn’t want or need the million dollar home, nor does she want me to be strapped with a payment that will bury us… she just wants a home.

SD Realtor

[ibjames]

She probably thinks we are losers because we don’t agree with her heart 😉

[ibjames]

She probably thinks we are losers because we don’t agree with her heart 😉

[ibjames]

She probably thinks we are losers because we don’t agree with her heart 😉

[ibjames]

She probably thinks we are losers because we don’t agree with her heart 😉

[mmbuyer]

thanks to all of you for your responses

temeculaguy
thanks for the advice

robyns_song
unfortunately my wife believes that renting is $$$ down the drain

Ash Housewares
thanks for the suggestion. my wife is thrifty. she cooks our dinner/lunches and packs my lunch for work. she drives an old car. we do not eat out more than once a month. she is willing to trade a lot of other expenses (flat screen TV, vacations) for a home.

Rustico
that is funny

deadzone
I am not asking for a CEO home. My wife finished her grad school. she has a job lined up for 60k. she might have to quit her job if we have a couple of kids

FormerSanDiegan
I realize I can “afford” a 600k home with my salary.

SD Realtor
I do not have any stock option money or huge inheritances coming my way.

barnaby33

you are right that there were some fundamental marriage issues. luckily we have sorted most of them out.

mekuT
my wife has read the book. she practises most of what is written in “Millionaire next door” except the house part 🙂

CBad
She is not that bad. Except the house part. I hope I can wait for another 4-5 years.

GunDoctor
tried that

Navydoc
she has read this forum once. sometimes she feels piggingtoners are sane. sometimes she feels that you are bunch of losers. i would not take it personally.

Rustico
I am not exaggerating. I am leaving some data out for privacy reasons.

bsrsharma
we will see. if i can make it in san diego i will stay here. great place.

otherwise i might move to raleigh, chicago or dallas.

halftrojan
I do have signifcant amount of retirement assets not included in the 200k

doofrat
I do have a fairly stable job. i somewhat control my own destiny. i never said that i had 100% security.

[mmbuyer]

thanks to all of you for your responses

temeculaguy
thanks for the advice

robyns_song
unfortunately my wife believes that renting is $$$ down the drain

Ash Housewares
thanks for the suggestion. my wife is thrifty. she cooks our dinner/lunches and packs my lunch for work. she drives an old car. we do not eat out more than once a month. she is willing to trade a lot of other expenses (flat screen TV, vacations) for a home.

Rustico
that is funny

deadzone
I am not asking for a CEO home. My wife finished her grad school. she has a job lined up for 60k. she might have to quit her job if we have a couple of kids

FormerSanDiegan
I realize I can “afford” a 600k home with my salary.

SD Realtor
I do not have any stock option money or huge inheritances coming my way.

barnaby33

you are right that there were some fundamental marriage issues. luckily we have sorted most of them out.

mekuT
my wife has read the book. she practises most of what is written in “Millionaire next door” except the house part 🙂

CBad
She is not that bad. Except the house part. I hope I can wait for another 4-5 years.

GunDoctor
tried that

Navydoc
she has read this forum once. sometimes she feels piggingtoners are sane. sometimes she feels that you are bunch of losers. i would not take it personally.

Rustico
I am not exaggerating. I am leaving some data out for privacy reasons.

bsrsharma
we will see. if i can make it in san diego i will stay here. great place.

otherwise i might move to raleigh, chicago or dallas.

halftrojan
I do have signifcant amount of retirement assets not included in the 200k

doofrat
I do have a fairly stable job. i somewhat control my own destiny. i never said that i had 100% security.

[mmbuyer]

thanks to all of you for your responses

temeculaguy
thanks for the advice

robyns_song
unfortunately my wife believes that renting is $$$ down the drain

Ash Housewares
thanks for the suggestion. my wife is thrifty. she cooks our dinner/lunches and packs my lunch for work. she drives an old car. we do not eat out more than once a month. she is willing to trade a lot of other expenses (flat screen TV, vacations) for a home.

Rustico
that is funny

deadzone
I am not asking for a CEO home. My wife finished her grad school. she has a job lined up for 60k. she might have to quit her job if we have a couple of kids

FormerSanDiegan
I realize I can “afford” a 600k home with my salary.

SD Realtor
I do not have any stock option money or huge inheritances coming my way.

barnaby33

you are right that there were some fundamental marriage issues. luckily we have sorted most of them out.

mekuT
my wife has read the book. she practises most of what is written in “Millionaire next door” except the house part 🙂

CBad
She is not that bad. Except the house part. I hope I can wait for another 4-5 years.

GunDoctor
tried that

Navydoc
she has read this forum once. sometimes she feels piggingtoners are sane. sometimes she feels that you are bunch of losers. i would not take it personally.

Rustico
I am not exaggerating. I am leaving some data out for privacy reasons.

bsrsharma
we will see. if i can make it in san diego i will stay here. great place.

otherwise i might move to raleigh, chicago or dallas.

halftrojan
I do have signifcant amount of retirement assets not included in the 200k

doofrat
I do have a fairly stable job. i somewhat control my own destiny. i never said that i had 100% security.

[mmbuyer]

thanks to all of you for your responses

temeculaguy
thanks for the advice

robyns_song
unfortunately my wife believes that renting is $$$ down the drain

Ash Housewares
thanks for the suggestion. my wife is thrifty. she cooks our dinner/lunches and packs my lunch for work. she drives an old car. we do not eat out more than once a month. she is willing to trade a lot of other expenses (flat screen TV, vacations) for a home.

Rustico
that is funny

deadzone
I am not asking for a CEO home. My wife finished her grad school. she has a job lined up for 60k. she might have to quit her job if we have a couple of kids

FormerSanDiegan
I realize I can “afford” a 600k home with my salary.

SD Realtor
I do not have any stock option money or huge inheritances coming my way.

barnaby33

you are right that there were some fundamental marriage issues. luckily we have sorted most of them out.

mekuT
my wife has read the book. she practises most of what is written in “Millionaire next door” except the house part 🙂

CBad
She is not that bad. Except the house part. I hope I can wait for another 4-5 years.

GunDoctor
tried that

Navydoc
she has read this forum once. sometimes she feels piggingtoners are sane. sometimes she feels that you are bunch of losers. i would not take it personally.

Rustico
I am not exaggerating. I am leaving some data out for privacy reasons.

bsrsharma
we will see. if i can make it in san diego i will stay here. great place.

otherwise i might move to raleigh, chicago or dallas.

halftrojan
I do have signifcant amount of retirement assets not included in the 200k

doofrat
I do have a fairly stable job. i somewhat control my own destiny. i never said that i had 100% security.

[Doofrat]

I’ve gotta dispute that you have a “stable job”. It can be really surprising when you’re working along at what you think is a very stable job at a very stable company and the next day you wake up to news that your company is being: Merged, acquired, moved, etc..

If you’re lucky, you’ll hear about it in rumors, or the company will be totally public about it, but chances are that there could be nothing, and then a few months later you’re out the door looking for that next $100,000 a year job.

Now, you didn’t state that your wife worked, so I’ll assume that she doesn’t and that the $100,000/ yr. is all you’re getting. In my opinion, you need to also figure out what your monthly expenses on this house are (property tax, water, gas, electricity, mortgage payments, insurance, etc.) and think about the worst case scenario where you lose your job for any of the above mentioned reasons.

Just a tip from someone who’s been there.

[Doofrat]

I’ve gotta dispute that you have a “stable job”. It can be really surprising when you’re working along at what you think is a very stable job at a very stable company and the next day you wake up to news that your company is being: Merged, acquired, moved, etc..

If you’re lucky, you’ll hear about it in rumors, or the company will be totally public about it, but chances are that there could be nothing, and then a few months later you’re out the door looking for that next $100,000 a year job.

Now, you didn’t state that your wife worked, so I’ll assume that she doesn’t and that the $100,000/ yr. is all you’re getting. In my opinion, you need to also figure out what your monthly expenses on this house are (property tax, water, gas, electricity, mortgage payments, insurance, etc.) and think about the worst case scenario where you lose your job for any of the above mentioned reasons.

Just a tip from someone who’s been there.

[Doofrat]

I’ve gotta dispute that you have a “stable job”. It can be really surprising when you’re working along at what you think is a very stable job at a very stable company and the next day you wake up to news that your company is being: Merged, acquired, moved, etc..

If you’re lucky, you’ll hear about it in rumors, or the company will be totally public about it, but chances are that there could be nothing, and then a few months later you’re out the door looking for that next $100,000 a year job.

Now, you didn’t state that your wife worked, so I’ll assume that she doesn’t and that the $100,000/ yr. is all you’re getting. In my opinion, you need to also figure out what your monthly expenses on this house are (property tax, water, gas, electricity, mortgage payments, insurance, etc.) and think about the worst case scenario where you lose your job for any of the above mentioned reasons.

Just a tip from someone who’s been there.

[Doofrat]

I’ve gotta dispute that you have a “stable job”. It can be really surprising when you’re working along at what you think is a very stable job at a very stable company and the next day you wake up to news that your company is being: Merged, acquired, moved, etc..

If you’re lucky, you’ll hear about it in rumors, or the company will be totally public about it, but chances are that there could be nothing, and then a few months later you’re out the door looking for that next $100,000 a year job.

Now, you didn’t state that your wife worked, so I’ll assume that she doesn’t and that the $100,000/ yr. is all you’re getting. In my opinion, you need to also figure out what your monthly expenses on this house are (property tax, water, gas, electricity, mortgage payments, insurance, etc.) and think about the worst case scenario where you lose your job for any of the above mentioned reasons.

Just a tip from someone who’s been there.

[Author]

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