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Raybyrnes
ParticipantThe challenge with sales is that if you are capping your income out on overtimes as opposed to new clients you may face a paycut down the line.
While the pay disparity between what you are making now in sales vs what you might maek in management I might suggest this.
Work for another year in sales and work hard while the finace is in school. Before she gets out of school, if you like the challenges of management take the pay cut. During that year that your income is dopenw and your girlfriend is in school go ahead and get preapproved as a first time homebuyer. Your income will be low enough to qulify you for many state and federal programs. Could be tht your income goes down but your net at the end of the day is not that dieffernt if yopu play it right.
ParticipantThe challenge with sales is that if you are capping your income out on overtimes as opposed to new clients you may face a paycut down the line.
While the pay disparity between what you are making now in sales vs what you might maek in management I might suggest this.
Work for another year in sales and work hard while the finace is in school. Before she gets out of school, if you like the challenges of management take the pay cut. During that year that your income is dopenw and your girlfriend is in school go ahead and get preapproved as a first time homebuyer. Your income will be low enough to qulify you for many state and federal programs. Could be tht your income goes down but your net at the end of the day is not that dieffernt if yopu play it right.
ParticipantThe challenge with sales is that if you are capping your income out on overtimes as opposed to new clients you may face a paycut down the line.
While the pay disparity between what you are making now in sales vs what you might maek in management I might suggest this.
Work for another year in sales and work hard while the finace is in school. Before she gets out of school, if you like the challenges of management take the pay cut. During that year that your income is dopenw and your girlfriend is in school go ahead and get preapproved as a first time homebuyer. Your income will be low enough to qulify you for many state and federal programs. Could be tht your income goes down but your net at the end of the day is not that dieffernt if yopu play it right.
ParticipantThe challenge with sales is that if you are capping your income out on overtimes as opposed to new clients you may face a paycut down the line.
While the pay disparity between what you are making now in sales vs what you might maek in management I might suggest this.
Work for another year in sales and work hard while the finace is in school. Before she gets out of school, if you like the challenges of management take the pay cut. During that year that your income is dopenw and your girlfriend is in school go ahead and get preapproved as a first time homebuyer. Your income will be low enough to qulify you for many state and federal programs. Could be tht your income goes down but your net at the end of the day is not that dieffernt if yopu play it right.
ParticipantJWM in SD
“I just don’t think you are acknowledging the risk posed to the personal financial health of a buyer if they choose to buy today.”
The fact that I am renting should be a very strong ackowlegement of my perception of risk in the housing market.
I have a hundred k + documented W2 for 150+ yet I rent. Now my wife recently passed her dental exams so that changes our financial situation dramiticalls as I ahve had to carry the load over the last few years.
With the prospects of having a potential 300K of income I am still not racing to buy but I do keep my eye on markets that I am interested in.
Unfortunately what I see is that if there is a significant drop in the areas I am looking at there is an equal chance that my own job will be threatened.
That being said, I work in sales so my job is probably more liquid than engineering and if I have to learn a different product and do a little prospecting , than so be it. I’ve built my clientel before and I believe if necesary I would be able to do it again.
ParticipantJWM in SD
“I just don’t think you are acknowledging the risk posed to the personal financial health of a buyer if they choose to buy today.”
The fact that I am renting should be a very strong ackowlegement of my perception of risk in the housing market.
I have a hundred k + documented W2 for 150+ yet I rent. Now my wife recently passed her dental exams so that changes our financial situation dramiticalls as I ahve had to carry the load over the last few years.
With the prospects of having a potential 300K of income I am still not racing to buy but I do keep my eye on markets that I am interested in.
Unfortunately what I see is that if there is a significant drop in the areas I am looking at there is an equal chance that my own job will be threatened.
That being said, I work in sales so my job is probably more liquid than engineering and if I have to learn a different product and do a little prospecting , than so be it. I’ve built my clientel before and I believe if necesary I would be able to do it again.
ParticipantJWM in SD
“I just don’t think you are acknowledging the risk posed to the personal financial health of a buyer if they choose to buy today.”
The fact that I am renting should be a very strong ackowlegement of my perception of risk in the housing market.
I have a hundred k + documented W2 for 150+ yet I rent. Now my wife recently passed her dental exams so that changes our financial situation dramiticalls as I ahve had to carry the load over the last few years.
With the prospects of having a potential 300K of income I am still not racing to buy but I do keep my eye on markets that I am interested in.
Unfortunately what I see is that if there is a significant drop in the areas I am looking at there is an equal chance that my own job will be threatened.
That being said, I work in sales so my job is probably more liquid than engineering and if I have to learn a different product and do a little prospecting , than so be it. I’ve built my clientel before and I believe if necesary I would be able to do it again.
ParticipantJWM in SD
“I just don’t think you are acknowledging the risk posed to the personal financial health of a buyer if they choose to buy today.”
The fact that I am renting should be a very strong ackowlegement of my perception of risk in the housing market.
I have a hundred k + documented W2 for 150+ yet I rent. Now my wife recently passed her dental exams so that changes our financial situation dramiticalls as I ahve had to carry the load over the last few years.
With the prospects of having a potential 300K of income I am still not racing to buy but I do keep my eye on markets that I am interested in.
Unfortunately what I see is that if there is a significant drop in the areas I am looking at there is an equal chance that my own job will be threatened.
That being said, I work in sales so my job is probably more liquid than engineering and if I have to learn a different product and do a little prospecting , than so be it. I’ve built my clientel before and I believe if necesary I would be able to do it again.
ParticipantJWM in SD
“I just don’t think you are acknowledging the risk posed to the personal financial health of a buyer if they choose to buy today.”
The fact that I am renting should be a very strong ackowlegement of my perception of risk in the housing market.
I have a hundred k + documented W2 for 150+ yet I rent. Now my wife recently passed her dental exams so that changes our financial situation dramiticalls as I ahve had to carry the load over the last few years.
With the prospects of having a potential 300K of income I am still not racing to buy but I do keep my eye on markets that I am interested in.
Unfortunately what I see is that if there is a significant drop in the areas I am looking at there is an equal chance that my own job will be threatened.
That being said, I work in sales so my job is probably more liquid than engineering and if I have to learn a different product and do a little prospecting , than so be it. I’ve built my clientel before and I believe if necesary I would be able to do it again.
ParticipantPW
Appreciate the link. Will Bookmark that.
ParticipantPW
Appreciate the link. Will Bookmark that.
ParticipantPW
Appreciate the link. Will Bookmark that.
ParticipantPW
Appreciate the link. Will Bookmark that.
ParticipantPW
Appreciate the link. Will Bookmark that.
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