My Girlfriend And I Are Building A $700,000 House (We Only Make $70k)

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 3 December 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today. My girlfriend going to be
0:08.9	fiancé and I are going to be building a house costing around $700,000 and we want to know if we're
0:16.8	way over our heads or if this is actually feasible. Numbers aside, you're in way over your heads.
0:22.8	There's not even a ring on the finger, and you're going to sign up for a mortgage and put
0:26.6	your names on a deed together?
0:29.6	No.
0:30.5	By the time of the deed is there, there would be a ring on the finger.
0:35.9	So this is going to be a new build, and you're just hoping that all the plans work out
0:41.3	perfectly?
0:43.8	Yes.
0:44.6	We do have the ability to live with either of our parents rent-free.
0:50.2	Obviously, that's not ideal, but we're going to have to do that.
0:56.1	While the house is being built? Why do we have to do any of this yes tell let me lay out a different path you tell me why it
1:01.1	doesn't work for you guys why not get engaged get married rent together save up on your own
1:08.0	and then purchase a house or build when you're financially ready.
1:11.6	Yeah, what's the rush?
1:12.6	So we would like to start a family early around 2028, 27, and our initial thoughts are renting is putting money into a place that doesn't build us wealth.
1:26.6	So we might as well put it towards a house
1:28.8	that's going to be building us wealth. And if we have to live with our parents for a year or two,
1:32.9	we're perfectly fine with that because we do have stable jobs that we're able to...
1:36.9	How much money do you guys have right now?
1:39.0	Meet every dollar budgeters Christy and Steve. They used to fight about money.
	...

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