Welcome back to Finance Friday. It's another special edition of Money Girl where I answer your burning money questions.

Today's topic is a good one. It comes from Sandy from Hopkinsville, Kentucky, who says, I'm 31, max out a Roth IRA, have a six-month emergency fund and no debt.

I have about $1,000 left each month, and I want to invest it in diversified ETFs in a brokerage

account. I'm looking for at least a 7% return over the next 10 years, which would allow me

to pay cash for a house.

I don't want to pay interest to a lender when I can get the interest instead.

I plan to live in the house and flip it, claiming the capital gains tax exclusion after

five years. But I'm in no rush if the housing market is down in 10 years. What do you think?

Should I pay cash or get a mortgage for a home?

I love the podcast and have listened to all of them.

Thank you for your kind words and your great question, Sandy.

I love that your finances are so great for being so young.

Today, I'll review the pros and cons of getting a

mortgage to buy a home sooner or waiting to pay cash, all cash later. While there isn't a right

or wrong answer, there is much to consider when making such a big financial decision. So stay

with me. I really appreciate you downloading episode 929 of the

Money Girl podcast. I'm your host, Laura Adams. I'm an award-winning author, a money speaker,

spokesperson, and founder of the Money Stack. That's my substack newsletter. You can subscribe for free

or become a paid member and get access to live

educational events. You can learn more and connect with me and subscribe to the money stack at

laura d adams.com. And you can also send in a money question by sending me an email from the website

laura d adams.com or you can call. You can record a

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