I worked at banks for most of my career and was engaged to the lead mortgage lender, and together we hosted quarterly free events for our community to show people how to get into homeownership. I suspect you’re lying in bad faith to try to scare people out of homeownership and push the agenda that Millennials and Gen Z can’t own a home. I encourage anyone reading this to do their own research and contact their bank’s mortgage team to determine if its feasible for them.

Over half of millennials are already homeowners, and I’d love to see that number go up.

PMI would be $1200 in your example, not $2500.

In what reality is PMI close to a rent payment? It doesn’t seem like you know what you’re talking about.

I think you’re dramatically overestimating how much it will add to a mortgage to use this strategy. For example, let’s look at a $250,000 home - the average for my area.

If you put 20% down, your payment will be $1242/mo plus Property Taxes. Certainly cheaper than rent, but most folks don’t have $50,000 sitting around.

So let’s say you put $0 down and roll $9000 closing costs into your mortgage. Your monthly payment will be $1,843 of which only $214 is PMI. Still cheaper than the average rent in my area.

Even if you’re buying a $1mil home with this strategy, the PMI would only be $850/mo. Where are you getting that PMI would be close to a mortgage payment?? You seem to be regurgitating bad faith advice that keeps people scared of homeownership when the reality is that it’s an excellent move for many folks.

Reach out to your bank. If they have nothing, call your local credit unions.

I went thru USDA for my first home and they had similar constraints. Talk with your bank’s mortgage lender. It’s possible that an FHA loan would do you better.

In the US, if you’re a first time homebuyer you can buy a home with zero cash in hand. You can roll closing costs into the mortgage and have no down-payment. You’ll pay more out of pocket for a few years but in many areas it’s still cheaper than rent - and rent just keeps going up while a mortgage stays the same. Many states also have free programs where you can take a class and they’ll give you a grant towards buying a home.

Credit unions tend to have the best rates. Get into a credit union even if it’s just a secondary account that you toss $5 into each paycheck.

Also, there are programs through Fannie Mae and Freddie Mac for first time homebuyers that prioritizes them over investors. This is the easiest way to get into homeownership but the houses are usually fixer uppers.

I know that. But is the flag actually implying that this is happening, or is the cartoonish depiction of the cat meant to be tongue in cheek?

I keep seeing this being shared, but I have no idea what it means. I know it’s similar to “Don’t tread on me”.

There will always be someone making more than you. The only person you should be competing against is yourself, to reach your goals in life. If your goals are to become a doctor, then go back to school and do it.

Don’t sleep on the potato soft taco.

I pay thousands per year in school taxes and the vast majority goes to school administrators making 6 figures. We can’t just toss more money at schools to fix this - we need legislation stating how the money is used. The money needs to go to the kids and teachers instead of clueless rich people.

I hope he drops the Nikocado character entirely and leans into vlogging about veganism and weight loss.

You seem to have misunderstood the assignment

Buy a prepaid visa with cash. Not technically a credit card, but it may be what you’re looking for.

Finding a good physician is as difficult as finding a good romance or a good therapist. You need to shop around to find the right fit. After years of struggling with horrible Healthcare I finally found the perfect fit - a middle aged lesbian Nurse Practitioner working out of a health center that caters to lower income folks and the LGBTQ community. Every time I go in we chit chat for a few minutes, then she spends at least half an hour with me going through all of my concerns. She’s very thorough and has made a dramatically positive experience in my health. I can even shoot her an email any time and she gets back to me within a day.

I think it helps that the health center’s board of directors is entirely staffed by the physicians working there, overseen by an elderly doctor who spent his entire career helping the needy in his community.

Keep trying. It’s frustrating, but the right fit is out there.

I was in possession of it, but he kept the ammo “hidden” on top of a cabinet.

My father also bought me a gun as a birthday present as a teenager, and looking back it was wholly inappropriate and dangerous. Granted, I never had thoughts of killing people.

Homeless at 18. First apartment at 20. Put myself through college going part time while working 2 jobs, 21-25. Bought my first home at 29. Hit 6 figures at 33. Now in the top 10% of earners in my city.

I had no one, no support network. Just me and a goal and strategic hard work every single day.

The tough part is I’m now in my mid 30s and have had very little life experience because all I’ve been doing is working. Never been on an airplane or have been on a vacation. No passport or friends or social life outside of 2 internet friends. It’s been tough to sit down and figure out what will actually make me happy now that I’ve achieved my life goals.

Jesus. When I was 14 I was playing with action figures. I can’t imagine what would drive a 14 year old to want to hurt people at this scale.

Yeah, we have similar sensors at my job. I work in a highly secured facility and smoke/vape detectors are installed in all the bathrooms. It makes the fire alarm go off if detected.