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Ren
ParticipantYou’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.
The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.
Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.
ParticipantYou’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.
The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.
Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.
ParticipantYou’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.
The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.
Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.
ParticipantYou’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.
The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.
Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.
Participant[quote=Scarlett]It is. Best of luck! I couldn’t imagine doing the commute from Temecula every day, especially since having kids. Are you a doctor? (just a guess, since you mentioned 3 yrs).[/quote]
Thank you. I’m a contract technical writer, wife is a… hard to describe. Also white collar office grunt.
2 more years is the time we have before Ren Jr starts kindergarten, when I want to put him in a Carlsbad district.
Participant[quote=Scarlett]It is. Best of luck! I couldn’t imagine doing the commute from Temecula every day, especially since having kids. Are you a doctor? (just a guess, since you mentioned 3 yrs).[/quote]
Thank you. I’m a contract technical writer, wife is a… hard to describe. Also white collar office grunt.
2 more years is the time we have before Ren Jr starts kindergarten, when I want to put him in a Carlsbad district.
Participant[quote=Scarlett]It is. Best of luck! I couldn’t imagine doing the commute from Temecula every day, especially since having kids. Are you a doctor? (just a guess, since you mentioned 3 yrs).[/quote]
Thank you. I’m a contract technical writer, wife is a… hard to describe. Also white collar office grunt.
2 more years is the time we have before Ren Jr starts kindergarten, when I want to put him in a Carlsbad district.
Participant[quote=Scarlett]It is. Best of luck! I couldn’t imagine doing the commute from Temecula every day, especially since having kids. Are you a doctor? (just a guess, since you mentioned 3 yrs).[/quote]
Thank you. I’m a contract technical writer, wife is a… hard to describe. Also white collar office grunt.
2 more years is the time we have before Ren Jr starts kindergarten, when I want to put him in a Carlsbad district.
Participant[quote=Scarlett]It is. Best of luck! I couldn’t imagine doing the commute from Temecula every day, especially since having kids. Are you a doctor? (just a guess, since you mentioned 3 yrs).[/quote]
Thank you. I’m a contract technical writer, wife is a… hard to describe. Also white collar office grunt.
2 more years is the time we have before Ren Jr starts kindergarten, when I want to put him in a Carlsbad district.
ParticipantWe have kids, but it helps that we both have flex hours. I get up at the butt crack of dawn, my wife gets to sleep in but comes home later, so at least one parent is with the kids for 6 waking hours/weekday. The savings over three years will enable us to buy a 15-minute commute and a second income property.
On a bad day (rain) I’m in the car 2.5 hours. Compared to that, it will be like Christmas every day of the year…
ParticipantWe have kids, but it helps that we both have flex hours. I get up at the butt crack of dawn, my wife gets to sleep in but comes home later, so at least one parent is with the kids for 6 waking hours/weekday. The savings over three years will enable us to buy a 15-minute commute and a second income property.
On a bad day (rain) I’m in the car 2.5 hours. Compared to that, it will be like Christmas every day of the year…
ParticipantWe have kids, but it helps that we both have flex hours. I get up at the butt crack of dawn, my wife gets to sleep in but comes home later, so at least one parent is with the kids for 6 waking hours/weekday. The savings over three years will enable us to buy a 15-minute commute and a second income property.
On a bad day (rain) I’m in the car 2.5 hours. Compared to that, it will be like Christmas every day of the year…
ParticipantWe have kids, but it helps that we both have flex hours. I get up at the butt crack of dawn, my wife gets to sleep in but comes home later, so at least one parent is with the kids for 6 waking hours/weekday. The savings over three years will enable us to buy a 15-minute commute and a second income property.
On a bad day (rain) I’m in the car 2.5 hours. Compared to that, it will be like Christmas every day of the year…
ParticipantWe have kids, but it helps that we both have flex hours. I get up at the butt crack of dawn, my wife gets to sleep in but comes home later, so at least one parent is with the kids for 6 waking hours/weekday. The savings over three years will enable us to buy a 15-minute commute and a second income property.
On a bad day (rain) I’m in the car 2.5 hours. Compared to that, it will be like Christmas every day of the year…
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