Okay, are you ready for Zach's question? He says, my wife and I are saving for our first home in an expensive state.

Should we look for a starter home that will outgrow or should we stretch for a more expensive

home that we know we can commit to for 10 plus years.

Mm.

That's a hard one, right.

Because I love that you're thinking about efficiency and I love that you're thinking about okay

the next 10 years maybe we're going to start a family or maybe our family is going to grow or we're going to have different circumstances.

So again, I want to begin with the end in mind. I want to buy a home that I think 10 years from now will still be the home that makes sense.

And I like that. I think there is merit to that. But what makes me nervous is when you ask the question, should we

stretch? And I would really want to know what do you mean by stretch. Does that

mean where if we were to buy a starter home, we're going to be right around 25% of our gross income is going to go to our housing payments.

But if we were to stretch this nicer home, now we're going to be at 35% or 40% of our gross pay, then my spidey senses start to go off.

And I think that the reason most people start with starter homes

is because they have to start with starter homes.

That's just kind of the way that the world works.

You get into a home that makes sense for the next five to seven years,

because remember, real estate's supposed to be a long-term decision, but you understand that this home that we start

in may not be the home that we are in forever. It may not be our forever home, and there's nothing

wrong with that. And I think that a lot of people especially financial

mutants we get so caught up and we want to make the absolute number one

perfect best decision right now today forever I think that you have to look at your situation okay maybe a

starter home if that's what we can afford then we're gonna do that and we're gonna

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