Message from @Smoke
Discord ID: 637796853374648370
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
Wouldn't it be cheaper and safer to just buy land and build a house
20% is the best downpayment if you can swing it because you dont pay PMI (mortgage insurance)
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
heres the thing smoke... if housing prices go up that means you should buy
because as prices go up, if you're a renter you're fucked, if you own you're golden