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Wall Street.

Here's your money briefing for Sunday, April 28th. I'm J.R. Whelan for the Wall Street Journal.

One of the most expensive purchases you'll ever make is buying a home.

It's also one of the biggest deaths you'll take on.

For 27-year-old Metzley Sanchez, the day she closed on her house

topped her graduation as the best day of her life.

The feeling was just so incredibly life changing and overwhelming and all the best of ways.

I was so excited and happy and just ready to get the day over so I can get my keys and just

go into my new house.

But having the shiny title of being a homeowner doesn't come easy.

And as a first-time homebuyer Metzley had to ask

herself some big questions not just ones about how many beds and baths she

wanted. The questions that really froze me was when you go into anything my biggest question is you can afford something today can you afford it tomorrow

It's more than just finding a home in your budget and getting all that paperwork to the finish line.

Owning a home means being able to sustain it, not just now, but five, ten, twenty years from now. It means being able to plan for various

expenses and renovations, maintaining everything that's actually in your home.

With prices still high and mortgage rates hovering near 7%, buying a home and

affording to stay in a home requires careful financial planning and even

preparing to pay unexpected costs.

...