/biz/ - Business & Finance

Bought mine at 25

I wagecuck though, that might be why

>>7863762
You're not the only one who can't afford it. In the UK (or is it England?) the average house price is $420,000, and only... I think it was 1 in 4 middle-earners aged under 30 can now afford to buy a place of their own. Having your own house, not rented I mean, is rapidly becoming a luxury. It's better to just live with your damn parents forever or live in a fucking van, than pay some smug faggot rent.

>>7863762
I'm hoping to have at least my own condo or apartment by 21. I'm 19 and in an apartment with several roommates at the moment

>>7863762
when the overall utility of owning a house becomes greater than your other options

how unsistainable

ideal age would be 20-22 desu
but most people who have the opportunity should buy a house with land to start a farm large enough to sustain themselves at a minimum

>>7863810
i honestly might start living in a van lmao, like a third of my paycheck goes to rent and i fucking hate it

Bought mine at 22... paid 93k. I have a loan and i put something like 3k down on it.

Im 24. Making $17.40 an hour doing HVAC and plumbing.

The real question is how old will you be when it dips and will you have enough savings to enter the market

fuck a house

might buy some land soon tho

>>7863762
4 nigger! GTFO

10 you lazy fuck

>people suggesting early 20s

Why? Honest to god, why? If your'e making enough money to buy a nice house at 22, you're in a career where you will be making exponentially more money by 32. Why take out a 20-30 year mortgage and pay nearly double overall just so you can live in a meh house before realizing you could've just saved up for 10 years, grown your earnings, and buy your dream house?

Age limit cutoffs as follows
Smoking dope : 25
Being single : 30
Believing in god : 35
Renting : 40
Believing women are equal : 45
Drinking : 50
If you exceed any of these age cutoffs you have failed at life desu

>>7863762
When I was a kid in the late 80's and early 90's, it was expected that, if you went to and finished university, you should be able to get a career job and a house by 25.

Now i'm 34. I got the damn degree. Career job was hard to get and it paid shit anyway with no chance of promotion. Quit job, got different unrelated job that pays slightly better than shit. Still can't afford a house and at the current housing market prices I would need to make $100k/year just to get a detached instead of a condo. This remains unchanged even if I move an hour out of the city and do the commute. It's fucked. Boomers destroyed everything. Where the hell is my firm handshake job straight out of highschool that pays for a house, two cars, supports wife, and 2.5 kids?

So i invest in high risk shit like crypto and weed stocks because i'll be renting well in to my forties if I don't and the housing market stays the same.

>>7863762
House ownership is a fucking scam.
Just rent. Something breaks? Not your problem, landlord better fix that shit. Gas and water? kek, landlord better pay that shit. Have to move because of promotion opportunities? Good thing you're not anchored down to a anvil.

>>7863939
Honestly have thought about this, 24 years old right now making $30.00 an hour and already have $10,000 saved up, but buying a house now is tempting.

>>7863939
In your 20s you should be life on a whim enjoying your freedom and young body not paying a fucking mortgage.

>>7863881
are you a tech? if you are you are getting fucked on your wages man. go to another company and ask for at least 24 an hour

>>7864003
sounds like a fucking awful idea unless houses cost like $50k in your area

>>7863968
>My own experiences are the ideal
If you believe religion bryond the age of 12 you are a retard period

>>7863762
Average house costs $685,000 in my suburb.
Fuck Australia...

>>7864026
t. boomer
kys

>>7863762
53

>>7864039
Southern California

>>7864068
hahahaahaha yes, in Sydney a house 33km away from the city is 550+ and that's just a small three bedroom. We're so fucked.

>>7864003
fuck that looks like such a comfy house

>>7864068
Lower your standards. If this is too much maybe you are below average or should stop living in Sydney

>>7863762
like nobody under 35 can afford a house in the UK. more and more people are living with their parents over here. if they're not, they're splitting rent with 3+ friends.

>>7864093
Nice you can get a mud hut with your 10k down payment.

>>7863939

You can rent it out in some scenarios and make profits

I have a 500/mortgage on a 2 bedroom. I live in one and I rent the other out for 400. I can understand wanting to live alone or whatever but youth is the best time to have roommates. In about 10 years I'll buy my dream house just like in your scenario, possibly faster because I don't really pay much monthly for living space

>>7864123
I live in Brisbane, I catch an end of the line bus route to uni and still have to walk about 2.5km a day.
even the shitty bogan and migrant filled suburbs are still 450,000 for a house.

>>7863979
>Boomers destroyed everything.
Almost got it. Boomers were jewed. Born into a world where a man could get an ordinary job that let him buy a nice house and car go on vacations and his wife never had to work.
Enter Schlomo hey goy your parents are stiffs muh war muh depression fuck those guys you need to take drugs. Rah bitches burn your bras go to University let boys fuck you yes niggers too it’s free love goys make sure you have an abortion you’re so powerful now oh look you got old time to buy a house you make the laws now make it easier to buy many houses give control of land to private companies good goys you want your investments to increase in value right guys and get rid of those guns they are just Hitler basically you buying everything from China with your double income gooooooooood goyyyyyyyyys
Boomers mass graves when?

Statistically most people own three iirc. They buy the first one around 27, move into a bigger one at 35, and retire to another one at around 60.

>>7864075
Haha I made it pin dick. Enjoy your basement.

>>7863997

And literally having to get permission to paint a fucking wall.

No thanks.

>>7863762
what age do you get a life, op?

>>7864123
>Australia and live outside of any cities...

Yeah I think you mean its either city or another country. This place is fucking Barron outside of the city.

>>7864115
>a house made out of wood

>>7864254
Tattoo
Abhorrent slut

>>7863997
lol what

have you ever rented anything? shits expensive, anon

>>7864003
I'm 18 and have 10k savings. Why do they tell you to stay in school again?

>>7863762

Bought one at 30

I'm a real estate agent and I fucking hate clients younger than 23-24, they aren't mature enough to handle the process sometimes and it wastes my time.

>>7863891

You don't need a large down payment with some programs, FHA, VA, and USDA loans for example, plus some lenders and banks have first time home buyer loans (In USA at least)

>>7863907

What are you going to put up a tent or something or just wait until a developer makes you an offer

>>7863968

fuck outta here with your electric boogaloo bullshit

>>7863997

Dumbfuck, over time assets appreciate in value, cities or county seats do frequent tax valuations, the property taxes go up, and so does your rent all while you gain 0 equity

>>7864068

Just go steal some more Abo land, they just drink petrol and pass out in the streets anyway, you could put it to better use

>>7864143

I went to England once and got sick for a month afterwards, how can you stand all the moldiness? And the Pakis, holy shit the Pakis everywhere

>>7864286
And mortgage + property tax + maintenance isn't?

>>7864304

My mortgage is half what my rent used to be, seriously you are screwing yourself over

>>7864304
its much cheaper in almost every scenario imaginable over more than a year or two

My current plan is to find a plot of land somewhere where there is;
>public transport line to the city
>decent internet
Then im gonna build one of these Titan homes.
Though finding a suburb in brisbane with decent internet is gonna be the hard part.

>>7863861
Get away from renting as quick as you can, it's just burning money. Live in a van if you have to, save the money you would otherwise pay for rent. When the housing bubble pops, then buy one.

>>7863762
A few years after entering the workforce, assuming you will be a wagecuck. This is the perfect opportunity to save up for a down payment on a house because living at home you have nearly 0 expenses. Renting an apartment is throwing money away, it's stupid

>>7863968
I stopped all these at like 23

>>7864271
Haha yeah one of you mutts explain this - I come from the land of the double brick 3x1. Why the fuck do Americans build houses out of timber frames and fibreboard? Is it because you’re part niggers???

>>7864294
What’s your best advice for someone who lives in Southern California, 24 years old, $30/hr

>>7864003
Do you guys really think 10K savings is that good?

>>7864380
Move the hell out of Socal.
t. 805

>>7864294
>real estate agent
what's it like being worthless, retarded, and having an inflated ego?

>>7864372
serious response, it's because it's all the mexicans and brazilians are good at, and wood framing is a BOOMING business for white business owners employing illegals who can barely work a saw

would you trust them to build a sturdy home out of anything they cant redo at a moments notice? I sure as fuck wouldn't, they've almost killed me more chugging miller lites and accidentally dropping their tools from the roof of 3 story homes

>>7864380

I'd recommend doing these first steps:

1.) Don't finance anything new

2.) Go talk to a lender and get preapproved

3.) Get a real estate agent and have them set you up on a client portal

4.) Pick the ones you like and go see them

5.) Make an offer, get offer accepted

6.) Get your inspections done, don't freak out at the report

7.) Proceed or back out

8.) Let the lender do its thing, let the underwriters carry out their autism, get final approval to close

9.) DON'T FINANCE ANYTHING DON'T FINANCE ANYTHING DON'T FINANCE ANYTHING

10.) Go to settlement at the attorney

Also make sure you have closing costs covered, depending on type of loan they can be ~5k give or take a little. You can also ask for closing costs from the seller if it's a slightly slower market. If the property is in multiple offers don't bother asking for that

>>7864350
Shill me a titan home! Are they deltacore or something?

>>7863762
never if you have crypto, unless you buy it with crypto

>>7864436

I know way more about the process than you could ever know doing it on your own, and I have access to tons of tools you don't even know about. I love it when people try to sell their house on their own and miss the market analysis by 30k and wonder why nobody is buying

>>7864437
their saturation of this market also makes it 100% impossible for anyone educated to work in the framing business without being in charge of said illegals, since they are paid pennies on the dollar for this type of work

>>7864461
rofl yeah man keep justifying your parasitic job which will be automated within 5 years

>>7863762

>Owning a boomer-era legacy asset class
>Literally decaying plywood

kek

>>7864510
nigger most americans can't even schedule doctors appointments before they die of lung cancer and obesity

you think they can sell their fucking house without help?

Ofcourse housing prices are inflated all over the place, interest rates was this low last time when wars were fought with maces and swords. When rates pick up everything gonna come crashing down

>>7864521
We should just all live in SUVs twice their current size, and bulldoze all the homes for wider roads

>>7864461

I'm also a real estate agent and think you should rethink your ego. It's a very basic certificate. CMA's aren't difficult and there is a good chance that they price their house high because they are in no rush to sell and plan to work down

>>7863762
I would say between 25-35. you should have a job or a reliable source of income and good/excellent credit

>>7864461
>tons of tools you don’t even know about
Oh jfc you know gen X and down won’t be using real estate agents. I’ve never used one. I think everyone understands that if it were legal to hunt them with Bowie knives we’d all be doing it. Lower than crack dealers. Lower than hookers. Mostly sociopaths. All terrible people.

>>7864534
all those "services" you provide are being automated at this moment. how do you not see the writing on the wall? but sure, keep that blockbuster video franchise running, nobody wants to watch movies online.

http://www.mybudget360.com/crisis-of-generations-younger-americans-moving-back-home-student-debt-finanical-aid-college-for-profits/

>>7864510

Automation to some degree will be available, no stopping it, but you will always need some sort of council. Typically people with your opinion are Gen X/Boomer men who are holding their wives captive with their shitty decision making skills

>>7864003
what do you do for a job?

>>7864582
you're vastly underestimating the stupidity of americans.

>internet is down, time to kill myself I guess

>>7864521

It's actually an appreciating asset, unlike the fucking "lambos" /biz/ posts about constantly

>>7864569

Chasing a market down is a horrible strategy, the house will

>>7864608
kek real estate agents are truly some of the dumbest people on earth.

>>7864627
I'm not a real estate agent, you blind man, you

>>7864622

Glitched out

The house will stay on the market longer if you chase the market down which will create a perceived lack of value which will result in further lowball offers and frustrated sellers.

It's not ego, it's how it's done. People don't hire me to lie to them.

>>7864601
>Council
Kek. Estate agents are all illiterate morons.

>>7864663
but anon, council is a word

>>7864224
Yeah you boomers fucked us good. I have already made it, but I had to do it by scamming retards and trading crypto. The normal guy these days does not standing a fuckin chance in this jew system you let creep in.

>>7864725
move out of the city / suburb, housing get a lot cheaper

it's not boomers per se, it's gentrification, it's a class borne issue

>>7864254
i live 10 mins away from this ho. but her face doesn't look that good in her other pics so i haven't been motivated to stalk her

>>7864725
we'll confiscate jewish wealth and build a new world, don't worry

>>7864622
>It's actually an appreciating asset

You mean possibly the land is an appreciating asset?

You would have a point, but I bet there are assets with quicker appreciation than land.

The house itself, is abso-fucking-lutely a pile of decaying wood if you live in North America, which starts rotting away and requires escalating maintenance costs.

How are you out of bed at this time Boomer? Did you mix your regimen of laxatives with painkillers and diabeetus drugs?

>>7863762
I bought my first property when i was in college. Rented out the other rooms to pay the mortgage. Was living in a cheap part of the us. You city fags are screwed.

>>7864461
You know and I know that what you just said is pretty much complete horseshit.

>>7863762
Never. A house is a losing bet most of the time. Factor in interest, insurance and taxes and all of your gains turn into losses in 90% of markets, 90% of the time.

>>7864575
this entire post is extremely childish and untrue.

>>7864622
Wrong.

Housing has stayed with inflation on average for the past 150 years.

>>7863762
If you don't pay for one in cash at 21 using n more than 12% of your net worth just kys.

>>7864750
Its not gentrification, its the fact that there are 30+ million people here who shouldnt be.

>>7863861
It's becoming a lot more common. You'll need solar panels though and access to a bathroom.

>>7864924
are you.. denying the existence of gentrification?

or home prices being cheaper outside of the city / burbs?

>>7864899
not in California

16 or so

>>7864969
Are you denying the law of supply and demand?

>>7864093
You're never going to be able to afford a house unless you 10x your savings anon

>>7864994
there are way more homes in the US than you think anon, and the people you are talking about live up to a dozen per house, so they don't impact the supply like you are imagining they do

>>7864896
“...text me his IP

>>7864969
"gentrification" is a sugarcoated antiwhite racism
it suggests that out of all groups, whites moving into a place en masse and building / rebuilding to an eventual higher worth is an issue
but any other group does it and its diversification

you're a joke and that kind of rhetoric wont last into the future, because:

its already burnt out after a decade of children eating it up then spitting it out as their first political opinion;

it was the right / libertarians that adopted crypto to start with, and its only up until recently that normies and the left have moved in

those that made of with life changing winnings = not particularly partial to your brand of leftist retardation

you guys fucked yourselves over by thinking all you had to do was be the vocal minority

kek

>>7864899

I rent a place in California with 3 of my friends. Our rent is 5200 per month and we pay about 1000$ under market value. According to public records found on Zillow, our current Taiwanese landlord bought the home in 2013 for 1.4M USD. Last year he got an appraiser to come out and inspect the home and its worth 2.4M USD today.

>>7865033
Why would you think that 30+ million people has no effect? You are just going to blame gentrification. Go back to plebbit.

>>7865058
Thank you anon, I didnt wanna take the effort to btfo him, but you did.

>>7865096
seeing normies argue that here sincerely is priceless
PRICELESS

>>7865059
How the fuck do you afford $300 per week per person just in rent? I take it you guys aren't in uni or 'college'

>>7865058
>but any other group does it and its diversification

no, it would still be gentrification if performed by nonwhites. the important pat of gentrification is the price increases, not white people

crypto?? what are you talking about anon

the more you know : those prices affect white folks too, when they buy homes. Not every white person is responsible for gentrification

What are you on about with vocal minority? it's plain to see that housing costs have risen dis proportionally in many areas, affecting whites and nonwhites alike

Why do you think white boomers could buy a house on minimum wage? It was factually cheaper to buy.

The same white family lines now cant afford a house, this has nothing to do with race

>>7865058
Spoken like someone who doesn't live in an area where gentrification is an issue. Gentrification is not about being antiwhite, its about being anti-rich. Its class warfare not race warfare

>>7864003
That is one fugly house

>>7865140
if you think those NYC penthouses are being bought up by whites, and not being updated almost entirely for rich arabs, I have some bad news for you

~23 for men
~19 for women
Pretty much the age Germanic peoples have started making nuclear families for 1000s of years before the kikes fucked everything up.
non-urban Celts and Chinks as well had similar ages.

Why anyone would buy in this housing market with the stock market at an all-time high is beyond me. Save your capital, wait for a crash, scoop up cheap stocks and housing.

http://www.returnofkings.com/72406/4-reasons-to-be-a-lifelong-renter

>>7865140
I have only ever seen gentrification used when talking about whites moving in to "outprice" the "poor welfare leaches"

>crypto?? what are you talking about anon
I am saying that there is a new "class" of non leftists that made off with shitloads of money that will be influencing the world and local politics since money runs the world. I take solace in the knowledge that most of them were libertarian, centre or right wing - lefties being more interested in the here and now rather than looking into potential future scenarios.

>>7865140
>The same white family lines now cant afford a house, this has nothing to do with race
This has mostly to do with immigration and the fact that whites are now competing for jobs resources and shelter in their own countries against the never ending masses of the third world. If there wasnt an abundance of cashed up foreigners buying up property, prices would not be so high.

>>7865163
and protip, part of gentrification succeeding is these arabs actually moving in for the price we have set for them

it's class, anon. high class gets the high living. period, dollars dont care what color you are, and the people taking your x10 rent for a penthouse definitely dont care what color you are

its funny how a process which doesn't actually affect the poor at all is somehow all about minorities for you - if you cant afford to live somewhere, you gotta go live somewhere else

you have wealthy people to thank for that. not all wealthy people are white.

>>7865130
We live in Silicon Valley, anon. The wages here are pretty high. The oldest of us is 31 but 3 of us are engineers with 100K+ salaries. Starting wages here for a decent software engineer is 100K+ USD/year. I was making that right of out college, but I still won't be able to afford a house for a long time due to insane prices.

Check out this 800 sqft home down the street: https://www.zillow.com/homes/for_sale/Belmont-CA-94002/15547134_zpid/97498_rid/globalrelevanceex_sort/37.546278,-122.246075,37.472201,-122.35817_rect/12_zm/

>>7863818
Pretty much this. I'm 20 and i'm thinking im gonna wait this next market recession out in my parents' basement.

>>7864224
God damnit I can't wait till you motherfuckers die.

>>7865058
>but any other group does it and its diversification
The only other group capable of doing that are chinks and they can only succeed at it when the previous group of an area was non-white.
Even super smart chinks can't improve an area up to comfy white tier.

Buying/owning a house is over rated. Get yourself a career and travel around the world.

I bought my house at 21, paid it off at 30 but have only lived in it for about 3 years total.

If I had my time again, I would of travelled alot more

>>7864896
he's not wrong

>>7864026
t. roastie

average age for a house owner is 32 and make around $72,000 a year meaning pretty much the majority of u cucks are still living at ur mom's house or at some uni.

>>7865219
800sq FEET BWAHAHA tfw Aussie living in 3x1 double brick 1970s house on 900 square METERS in middle of city next to school beach train shops two ovals within 100m walk massive backyard dogs go swimming at beach every morning in summer 2 cars kids bought it for 500k 5 years ago

>>7863810
>In the UK (or is it England?) the average house price is $420,000
that's it?? i'm guessing you need to multiply that by at least 4 for London though

>>7864352
Should i buy a condo downtown with my gains or not? It was built in 2013 asking price is 760k, great views 2 bed 2 bath can throw some bomb ass parties it even has a balcony but i feel like id be wasting my money cause it gets old/depreciates over time

>>7865465
Yep, things are depressingly expensive here. On the bright side the area is also very nice, and if I ever wanted to go live in a flyover state I could probably buy a nice house (or houses) outright for the price of my downpayment here.

>>7864753
What city is this whore in? Mosul?

>>7863762
never. Rent that shit out as a new revenue stream asap. I live in a cave in a forest shitposting using electricity from my solar death ray with water from a nearby river. My living costs are clothes, some food, gas, and internet. Literally I'm rich as fuck, (12m) and have yet to spend over 100$ in a month on living expenses.

>>7864437
>it's because it's all the mexicans and brazilians are good at
But here in Mexico we all have houses made of brick. The real reason it's because brick it's really expensive over there.

>buying when you could rent

>>7865495
What city?

I paid 320k for my 700 sq ft condo in Toronto.

>>7865058
First off can you please stop the reddit spacing it makes it very hard to follow your points. Second, where are you from that you speak of these experiences? In my town, the problem is that immigrants (mostly illegal, some legal) took over entire sections of town, that otherwise would have been for Americans to live in. Now, if an American decides to move to that shit part of town they are demonized as gentrification.

It only makes sense to """own""" a home when you are retired. When you are working the loss of mobility that comes from being attached to an arbitrary plot of land is awful for your career.

>>7865467
Yeah no shit. It's countrywide, it includes all of the many shitholes where it's near impossible to get work. In Kensington, London, the median property (note: property, so flats as well as houses) price is £1,700,000

>>7865140
Sorry this post >>7865545 was meant for this

>>7865541
Chicongo

>>7863861

I saw some dude just parked a caravan in a rest area by the highway lol, he had a fucking dog and evrything

>>7864003
Wow 10,000 dollars? That's a lot of money man

>>7863762
18

>>7865643
No need to be a cuck

>>7865058
>that bulging penis

Been earning 90-150k for past 5 years after leaving school. Still can't afford a house.

I live in SF. Even super small shitty houses here are in the millions.

>>7863851
>20-22

You're either
>underage and retarded
>just pretending
>born into a rich family

Pick one.

>>7865749
I dont get the negative connotations of being born into a rich family, like its not my fucking fault. It comes with its own challenges as well. Imagine making it on your own and people keep saying "you bought that with daddys money". Try escaping your fathers influence on the community when he knows every other rich guy you know cause he fucking introduced you, its fucked in its own way. Yeah im not starving that doesnt mean your life is carefree as fuck all the time when your dad treats you like an employee. That and not having to work for anything growing up is essentially setting you up to be further incompetent when you need to.

>>7865743
>I live in SF. Even super small shitty houses here are in the millions.

Every day I wonder how idiots like you are still alive.

Why are you still living there? Is that the only place you can get a job with your degree? Does your family live there? If not then look for jobs in your field at other states and get your ass stepping.

>>7864461
Wrooooong. I sold my investment property myself because of how useless you fucks are and in a shorter time. Ended up with more in my pocket as a result. Here's the thing, agents THINK their knowledge is valuable and their "tools" are required. No one needs an agent

Pros:
>more flexible with home opens
>don't pay huge fuck-off commission to useless fuck agents
>more flexible with negotiations because of above
>know more about details of the home and location
>share settlement agent with buyer to reduce costs both sides

Cons:
>time consuming
>literal pajeets ringing constantly offering 15% less than listed

I see no reason to use an agent unless you genuinely have no free time or really want to piss huge money away for nothing.

>>7864193
Which uni

>>7865828
Let me give you a example. One of my good friends is 27. He drives a BMW, has a motorcycle, lives in a nice big house with a swimming pool and he works as a uber driver couple hours a week How?? He's a trust fund baby and still lives with his mom. While me on the other hand i have to wagecuck everyday since i was 19. He complains about stupid irrelevant shit like politics/redpill theories while im trying to fcking survive in the real world like a man. That's why we hate rich little undeserving pricks like you.

>>7864350
3 bedrooms and only 1 bathroom? Do you really need a living room and a media room? Aren't those usually the same thing?

>>7865828
Oh man, yeah that sucks hard man. I mean it's worse than having to grow up with parents that were always away because they both had to work all the time while one is in the military and is constantly deployed and away for years. Not to mention neither of them likes you and you have to work an actual job from middle school up and pay for your own school supplies and whatever else you want. Then they have you leave and pay for your own college completely out of pocket. Then when you work fulltime and go to college fulltime and realize it's catching up to you, you join the military to sustain yourself because your parents can't help you.

But yeah you're right, my bad. You earned all of that. You're an average everyday hard working man.

I'm 23 making 55k a year with 15k in savings and probably another 15k or so in various stocks and shitcoin cryptos.

I wanted to rent for a year or 2 with a friend but even though I got a good credit score, no criminal history, a full time job, money to pay upfront, and a college degree renters still pick gay ass 50 year old couples with autistic screeching babies.

Might as well just buy some shit log cabin and code until I die and save myself the time.

>>7866083
>>7865828
Let's get one thing straight though. I don't hate you, I don't really hate anyone.

Yeah you were born into it. You had no choice, I know and understand, but we walk completely different paths.

No offence but what you say for life experience and advice is not valid for most people. It may work for your class, but those of us in the middle and lower can't take any of it as it doesn't apply.

>>7865828
>Try escaping your fathers influence on the community when he knows every other rich guy
Well you’re essentially sustaining your existence by sucking calories outa daddy’s cum aren’t you? Grow up be a man go make it on your own outside of daddy’s circle/area/industry you pathetic fucking boypussy.

>>7863881
you live in fucking oklahoma dont you?

>>7866083
>>7865986
What you people dont realize is that being poor builds up drive and I dont really have that as much as many of you guys do. So short term being rich is great as a child but sucks later in life. Ive had friends in and out of rehab like 3 times, its mental distress and it is real. At least you guys are building yourselves up and will eventually breakthrough to have something of your own while im probably going to end up working for my own dad and have him on my ass for a total of 60 years give or take. Imagine you never get to leave and do things on your own and people judge you because "you have it so good" even if you do go on a vacation for like a month or something its out of their pocket you're under their control economically and that bleeds into everything else. Look you're going to think im a dick or whatever but i believe no life is without its own challenges. This "perfect life" will never be possible and you cannot avoid suffering on some/many levels, its just impossible. I mean just look at the guys who made 100s of millions in crypto they post on here about their problems because they have them and they have new ones.

market cycle nigger. there is no perfect age. it's timing faggit

>>7865749
Even if you're poor you can make enough money by 22 by not being a brainlet. I mean this is just an ideal. Don't get butthurt if other people are more fortunate than you. It's no big deal if it takes you longer than that. No need to be ashamed or jealous.

>>7863881
Did you do FHA? I will tell everyone a secret rich white people buy their first investment property with an FHA loan with 3% down and then transfer it to a secondary mortgage and buy a 2nd property out of state with a 2nd FHA loan. It's in the clause, don't fuck around guys this is the legitimate thing. You can buy two units with less than 6-10% combined rate

>>7863762
in my family we are given houses at the time of conception. anything else is pathetic and pleb tier poorfag

>>7864026
>he fell for the roastie meme

You should be making money while you are still young, life gets harder when you age for most

>>7866270
>At least you guys are building yourselves up and will eventually breakthrough to have something of your own

Lol no, I don't speak for everyone here, but I'm going to kill myself in 5 years. Once I build up enough money to pay back my family what I owe them for taking care of me, feeding me, and keeping a roof over my head I'm fucking done. That's my only drive.

I wish money was my only problem, definitely would make my life easier, but some things can't be solved with hard work, drive, or cash.

>>7863968
Agree with all except the last. Alcohol consumed in reasonable quantities can continue indefinitely

>>7866255
Okay but wouldn't that be a dumb waste as everything is in place for me to take his position. Ive been watching this guy work for 20 years fag, I know near exactly what his day to day is and i can learn on the job how the whole company works. Wouldn't that all go down the drain if I just left?? Wouldn't really be doing right by anyone would it? It would be seen as selfish faggotry and my family would resent me and family friends would think im a retard. Now what smartass??

>>7863968
God is fake you say?
How small is the likelihood you are here by chance? 1 in a 100 quadrillion? Probably less.
Chance God is real is therefore 1-(1/quadrillion)
Stop thinking you understand the universe faggot

>>7866308
>graduate HS @ 17-18yrs old
>go to 4 year college for bachelor's degree
>have to work job to pay rent, tutiton, and food while in college
>graduate at age 22 minimum UNLESS you had some summer courses maybe 21

Yeah that makes perfect sense, that minimum wage job definitely pays enough to buy a house!

>>7863979
Stop blaming the damn boomers. Yeah they had it easy, how about their grandparents and literally every ancestor before them? You live in an era of opportunity, make something of it..

>>7866347
This, the older you get the harder pretty much everything gets. I'm only 23 and feeling this shit

It's almost impossible to buy a house in 3rd world country for a wagecucks, it's like $80k while you only paid $180 per month, not counting you need to buy food and other shit

>>7866431
he's going to call you a brainlet for
"following muh defined path"

but you don't have to go to university to make decent money.

>>7865524
Tell me more

These threads always end up being a putrid mess of LARP, self-absorbed assholes, and shitposts. Easily the worst ones on this board.

>>7863762
There is no rule man, just go your own path stop trying to do what everyone else does.

I know people who bought houses at 22, 25, 29, 34, and first houses in their 40s. Like it literally makes no difference lol.

If you think about it, why would you want to own a house in your 20s unless it's to start a family? I could have a house now, instead I have a nice car, I have traveled everywhere, nice watches, clothes, shoes etc... if I own a house now I would have all this shit but much later in life. Spend the money you have now and enjoy your youth, all you have to do is save for 1 or 2 years and you can put a payment down on a house any time you like. Honestly half the people in their 20s with houses are just wasting their time. Depends where you live though, over here there is no such thing as a house under 1.2 million, I could move to the states and buy 3 houses if I wanted to lol.

>>7864829
There are many wood houses built in America that last for hundreds of years that require less maintenance than most Europoor structures

>>7863968
>Believing in god : 35
Atheism should die off after your "know-it-all" years of 25 at least. You can reject tradition religion for the most part but disbelieving in a higher power is the sign of a limited mind.

>>7863762
mfw I wanna buy but the prices are so high that it spells "bubble about to burst" worse than '08

>>7866413
Gigantic poofter confirmed.
Do everything daddy says your whole life. Groomed exactly like juvenile sex slave. Even going to take over his job. Wow anon everyone at daddy’s company must respect you so much. Even now you can’t see the point of cutting the umbilical cord. It would be a waste in your mind. You’re so attached to suckling on daddy’s bellend you can’t even imagine what it would be like to start from scratch and earn a living on your own merits. You don’t even realise that your malaise is due to unresolved identity issues - the things at the core of your character. You’re going to be a good little boy for the rest of your life, not rock the boat, do what daddy wants. You’ll end up hating yourself for your wasted life when you realise you were just groomed and didn’t have the balls to find out who you really could be due to fear. May as well an hero now you spineless piece of shit

>>7866337
same, my parents will give us each (4) a house, but im selling that shit and blowing the money on blackjack and hoookers

>>7866413
>>7866683
desu, leave out whether your family will be dissapointed and decide if it's something you actually want to do. Sure, there's safety in the family business, but see if you have your own goals and ideas to pursue as well.

>>7865896
Renting here is fine. SF is king when it comes to tech, the amount of opportunities and connections here really trumps everywhere else.

The higher pay usually more than makes up for higher cost of living, so moving doesn't really make sense. It might make sense if I wanted to buy a house, but I'm fine with renting.

>>7866683
You cant say it would be an easy decision for you in my position

>>7866790
Yeah that would be ideal, ive been thinking about that alot lately

UK here. There is no point in buying a home now.

They are throwing up thousands of shitty new build estates with houses made out of cardboard, where normies put down a 5% deposit and gov has 20% equity loan over your shitbox.

On top of that each new estate has to set aside a percentage of houses for welfare scum.

It's impossible to sell them because you pay new home premium and so many are being built no one wants to buy a second hand shitbox from you when they can get their own new wageslave box.

Another crash is coming soon after all avenues are exhausted in propping up house prices so boomers can unload their bags for 800% profit.

Well this thread have been revealing. Good to know that housing is equally overpriced both for 1st worlders and shitholes. That the boomers had it so fucking easy in both scenarios. And that we fucks born after 1980 are being conditioned to buy their bags. Fuck that.

I have no skin in this game since I live with my parents, I have a full floor for myself In a huge ass house not built on plywood. 4300 sqft total for around 300K USD

>>7866543
you see this thing? It's a solar death ray made from hundreds, thousands of mirrors concentrated at some high melting point metal container. It boils water to an extreme pressure and generates electricity like any other electricity producing factory. You can power a house with one the size of a gazebo no problem. I have one measuring 15 meters in diameter. It's a self sufficient system even on cold cloudy days. Also, I do most of my business online. I use my parents home as a storehouse, and also rent out a house I bought on the outskirts of the closest city. btw, make sure to take advantage of tax cuts from using a space in houses as office room, that's what I do at my parents house.

>>7863851
Holy fuck I'm almost 23 and have never even owned a vehicle

Bought at 18 now renting it out. Netting me 800 eu each month passive income

>>7865524
More pls

>>7868487
free energy to mine I got 10 rigs, you can set up your own system for free. the solar panel jew is the worst jew of all, yes it's better than paying electricity after just a few years. But using solar deathrays you can make a system for way fucking cheaper using cheap as fuck mirrors. I'm still mining with 6950s, and 7950s lmfao because I'm too damn lazy to consider getting better systems. I do have some solar panels since that is what I started with (8kW) but that's long since payed itself off. I'm planning on digging out a new corridor to indoor farm.
>falling for the insulation Jew
>not digging into the earth for free insulation
>buying into the side panelling jew
>not just having no side panels

LMAO

>>7866455
This is the best advice I've seen on this board in a while.

>>7866455
they literally imported millions of shitskins, neck yourself Boomie McFuckFace

>>7863762
Bought mine at 28
Bought second one for rental at 34

>>7863762
This may have no bearing on your current situation, but I am 27 and make roughly $103k per year and still do not want to buy a house. In many cases, a house is a better investment than renting, but you really need to do the math. I pay around $650 rent + utilities, and my yearly housing expenditure is still less than the yearly taxes on my parents mortgage-free house. Considering most westerners buy houses which are way too big for them and cost more than they actually need, I imagine this happens to most people who simply don't want to do the math and simply buy because "that's what I want right now."

My plan is to save up, invest in crypto, retire early, and then spend time doing more of what I enjoy. After that point I may consider buying a cheap house and living frugally.

To answer your question directly, I think it is more a matter of responsibility than age. Only buy a house when you really need the space, like if you have kids. Otherwise, most people's houses are a complete waste of resources, energy, and space. The vast majority of people only spend time in two or three rooms of their houses, usually the kitchen, bedroom, and living area (TV, computer, etc.). Bathrooms are also a given. The rest of their time is usually spent outside of the house at work.

Do what you want, but don't feel pressured to buy a house just because you feel like you are behind on some sort of age criteria.

>>7866270
Having no drive is the worst feeling in the world. I hope you find yours anon

>>7863997
youre right sir.

Renting is the shit. Buying is stupid economically and psychologically

>>7863810
You crazy brah. Average house price for the UK ~£227,000...higher in London. http://landregistry.data.gov.uk/app/ukhpi

>>7868747
This. Since I dont need that much space yet, I want a house that can be rented for up to 4-5 people while still be designed in a way that provides decent privacy for all residents. I'm out most of the day for work and i dont have a family so this shouldnt be a huge problem

>>7864366
insta-granpa tier

>>7866428

We are here by chance. Go spread your bullshit non-argument somewhere else.

>>7868747
> don't feel pressured to buy a house just because you feel like you are behind on some sort of age criteria.

This is what I was talking about, our generation is being brainwashed into believing that a house is the only end game. I'm going to pimp a truck and travel the shit out of this hemisphere.

>>7868902
I have thought about doing this many times with one of those trailer microhomes, but I don't have the balls and am addicted to my high wagecucking salary. If I got laid off one day, I might reconsider.

And no offense, but those look kind of ugly. Those look like they belong to gypsies or maybe carnies. Not trying to insult your style, but maybe consider a more modern look?

>>7868747
>The rest of their time is usually spent outside of the house at work.

Unless you have managed to get enough passive income to not need work and still be able to do what the fuck you want.

Right now I'm still working, but with my crypto benefits, I believe that in two years at most I'll be able to retire and buy a fucking castle somewhere + a bunch of cheap apartments to rent and even some large company's shares in order to have some other sources of passive income.

Buying a place with many rooms then wouldn't be a waste, I'd spend most of my time in it. Though there'd ideally be a lot of time spent traveling too.

>>7865352
this. I grinded my ass off throughout my twenties to make up for the defecit of being born to a single mother who never owned property, as well as being unable to get a loan that would cover the high end colleges I was accepted to (I didn't end up going for fear of the insane loan structure plus out of pocket expenditures)

essentially had a nervous breakdown 3 years ago after non-stop 80 hour weeks. Have made a lot of money, bought a house in LA that's "doubled in paper value" and rent it out while I've started traveling. Making up for lost time as I never did the 'muh gap year' after highschool to 'find myself' on mummy's dime or 4 years of adult daycare at the local leftist indoctrination camps. Traveling sooner would have been GOAT.

Also - i'd wait for market cycle to contract, irregardless. We are in the midst of multiple bubbles at the moment and when there's a correction you'll be ready. Whereas if you buy now "at le top" you've got very limited upside and an illiquid asset whose paper value can vanish quickly, which is costly, time consuming and difficult to sell as it's predicated on a lot of factors including life circumstance.

my 2 sats

>>7865219
Jesus... That house is smaller than mine. I paid $271k in 2009. The latest tax assessment pegs the current value at $377K.

>>7868987
No those are kiwi projects, those are hideous alright, could not find any decent example but you get the idea. Mine would be more like pic related but way bigger. Or waiting for the new VW Combi.

> tfw I realize I have actually slept a couple nights on one of those in pic related :)

>>7865583
Wouldn't that put you close to the CME and the CBoe? You could trade there too anon...

>>7864143

UK fag here.

I bought my house age 28. I'm 34 now.

>>7869062

OK I gotcha then. The old-school car plus caravan is not a bad choice, especially if you like that style.

Many Amerifags looking to go mobile theses days are opting for the modern log cabin look pictured here. It's a recent trend. These usually hitch on the back of a truck and can go anywhere with access to water and electricity (basically any trailer park).

>>7863762
whenever the housing bubble pops. i have enough money to buy a very nice apartment, but it feels like a total waste. retarded normies are paying fucking premium just to "live near the city" and (((they))) are laughing all the way to the bank, like always.
you don't buy a shitcoin at ATH, you don't buy an AC in the middle of the summer, and you sure as hell don't buy a house when there's a ginormous bubble going on that's ready to pop any minute.

>>7863968
I think renting is comfy. I’m totally gonna be celibate until i die, and i don’t want to take care of a house. Living alone in a small place is comfy. Having my own life as my only responsibility is very comfy.

>>7866674
I don’t reject god, i just can’t be emotionally attached to god, or any form of higher power. I see how atheism is some sort of activism against religion, but i don’t think i’m an atheist either. I just don’t dedicate myself to any religion, i don’t pray, i don’t thank god, i don’t do rituals, i don’t go to church, i don’t think about god. I don’t know if i reject god either, i just don’t want to think about it. I can’t deal with commitment

>>7869119
Yup I've seen that trend, some pretty nice little houses. Sadly or luckliy I live in a tropical climate, a wooden house might not be the best idea after all but I have not looked into the latest wood tech. Also wood based housing is not a thing around here, could be hard to find the talent to pull up something decent. Old American bus pimping otoh is starting to boom, might be the best route.

Whenever you move out from your parents. I got mine (with some help funding from my parents) at 19.

>>7869198
that's called agnosticism, which objectively is the sanest option. religion was created as a tool to organize people, a set of basic rules to keep society from falling into chaos. it's an insult against intelligence and progress, but i understand why it was necessary in the past.