So Olivia's question is up next. She says, hey, money guy team, I am 26 in

considering buying a condo and house hacking.

Is it okay to go a little higher than 25% of my take-home pay

on my mortgage if I intend to get roommates.

Awesome. First thing, first thing first.

You said take-home pay.

Our rule is actually not.

Take-home.

It's gross, right?

So what you want you to do is you think about your gross income, you don't want housing expenses to exceed 25% of gross.

So even though you may be a touch over 25% overtake them, I would redo the math I'd read math it and see okay am I

still inside a gross and I love Brian a 26 year old thinking about getting on the

equity side of real estate ownership thinking about house hacking,

hacking, bringing in some roommates.

I love that idea, because that's a great way to really attack

a really, really hard real estate estate market that's hard to get your

foot into so I I kind of love this idea. Yeah Olivia you do you're doing this in a

financial mutant way now let me give you you the cold water on this situation is

is that being 26 bringing in roommates it's probably great while you have the

roommates but I do want you to plan ahead is what if a few of them

surprise you they decide to get married they decide that just doesn't work out

living together and they move out on you what do you have have a room that just doesn't pay very frequently?

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