Message from @Leaf
Discord ID: 637796729160204335
Debt is not inherently bad but it there is a predatory industry surrounding it
so i know how to do all the mortgage/financial calcualtions by hand
So if you're stupid dont take any credit
Dunno exactly I never asked the particulars of his mortgage payments lol
its just a simple geometric series formula
I'm neurotic as hell when it comes to money
Like terrified that I'm being financially exploited at every turn lol
smoke, i can help you compute any of those amounts, you just need to input downpay % and house price
y all old af lmao im so young i don't give a fuck about dis all
So I don't think I'd end up in that situation
And yet you spend it on purposefully giving yourself preventable diseases
Eh smokes are cheap
I get like 5 cartons, 5 month supply for like $40
Degenerate
Because the Redskins sell them to white men for cheap
you can do all these computations in excel too
I'm being Jewed by Jews and Frenchmen and Injuns <:wojack:396042478530330624>
housing is going up like crazy in my area, makes me not want to buy, but probably will keep rising
20% is the best downpayment if you can swing it because you dont pay PMI (mortgage insurance)
Yes, not sure if I want to buy in a quickly growing city, or buy land/house rurally
and work remote
are you gonna build the hosue with your own hands or hire people?
20%... bruh
its a lot easier to finance construction of a house
Gonna pay people
20% is a lot. I need like 40k for a 200k house
Probably just get help from family and do as much as I can by myself
i had 40k saved up when i was still in grad school
you can save it if you prioritize
I have lots of men employed in trades and construction in my family
you can get these picks from harbor freight for 99c
So I could get help easily
anyways you can do 10% purchase, just 20% is optimal
it all comes down to your local market
Yeah, I mean, 10-15% is doable
and dont let perfect become the enemy of good
Lol I'm pretty sure I was breast fed