Seth's question is up next. It says, we hope to buy a home. Even following the methods that we talk about on the show like 20% down or about

25% of our gross income, it still feels like we're paying way too much. How can we have peace that we won't be house poor?

And I think this echoes a lot of people's feelings right now.

So I'd, you know, let's help, help them think through through this let's first acknowledge that it's hard and you're not alone

Real estate I mean we you can look at all the affordability indicators and it is maybe it's not an all-time low on the affordability but

relatively it is still it's hard to buy a home and it's really really hard for

first-time homebuyers right now so that you are not unique in feeling this way.

But your question was how can I have peace?

Well you already noted that one of the things you've done is you've listened to the content

we were releasing this.

By the way, if you're thinking about buying a house, we have an entire home buying checklist that you can go check out.

We have a whole home buying hub with calculators you can play with.

Go to Money Guide.com slash resources and check all of those things out that will walk you

through okay if I am knowing that my timeline is right,

meaning I know I'm gonna be in this house

for at least five to seven years.

It's gonna be a long-term decision.

And I know that I'm putting down an appropriate down payment.

Doesn't have to be 20%,

but maybe I'm only putting down 3 to 5%

because this is my first time home. And I know that my housing is going to be less than 25%

of my gross income. The question you ask is how can I have peace even though I still feel like I'm paying a high price or overpaying a large

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