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225,433 Views ā¢ Aug 17, 2024 ā¢ Click to toggle off description
Views : 225,433
Genre: People & Blogs
License: Standard YouTube License
Uploaded At Aug 17, 2024 ^^
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Rating : 4.851 (232/6,015 LTDR)
96.29% of the users lieked the video!!
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User score: 94.44- Overwhelmingly Positive
RYD date created : 2025-02-09T18:34:34.594349Z
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146 Comments
Top Comments of this video!! :3
āIn their religion, which is housingāšš
343 |
People will buy a house without considering property taxes, insurance, utilities, and maintenance. They will buy a car without considering registration, insurance, and maintenance. Also, a minivan works just as well as an SUV, is likely cheaper, and less likely to get stolen.
14 |
Beautifully stated ā¤
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I wish I had come across Ramit long ago. I got my condo 12 years ago and if I was to sell it now I would get less than what I paid and I am still paying off the loan and monthly maintenance. And I definitely hadnāt taken into account the other expenses like fixing the broken stuff. I was definitely pressured into buying my condo.
28 |
Did the math . . . my car, a used hatchback, due to maintenance and a higher interest loan (7 percent) will cost me $10K this year. I was shocked. My rent will be $20K. š® My car is literally the equivalent of half my living expenses . . . Canāt wait to pay it off and start to establish a sinking fund for maintenance
70 |
Years about 20 years ago I worked at a matress store in a nice area customers would pull in my store driving in BMW's, Mercedes big Suv's...living in 4 to 6 bedroom houses...will only want to spend 500 to 1000 dolllars on a cheap matress...absolutely insane!..but yet they spend a third of their lives sleeping...absolutely backward thinking!
34 |
In the old days you could only get a mortgage for 3 times your yearly pay, that way you couldnāt really over extend yourself on a house payment. Now a days I donāt know how people make it
3 |
Little things are not a Problem when you care about BIG things ..
1 |
Cars are my biggest temptation. my car has been paid off since Nov 2022 and Iāve avoided most temptations so far š
3 |
You do need to own. So in retirement I have paid off housing.
6 |
Housing is overpriced af today. Canāt escape it..
13 |
i double my money when i bought my flat in 2019 and sold it in 2023.
i bought a house in 2023 thx to this money and it already increase of 5% in 6 month.
among all the people i know, it is like this.
now we are in our bubble and is not the case everywhere. what matter is the power of what you buy
9 |
I feel like if you understand and agree with Ramits joke then you're ready to purchase a house responsibly.
19 |
People do overspend on housing (and cars those are a no brainer), I agree, but the stock market is not always as amazing as it has been in recent history so itās easy to forget other investments do well when the market doesnāt. Diversification. Yes some markets are insane and rent but some are great to own and live in.
1 |
I agree 100% on cars but absolutely not on housing. Of course you can grossly overspend on a house but having your own modest but well maintained house or apartment is the best investment ever. (+ a solid prenuptial ).
3 |
We want to own and we will eventually. I was just thinking about wanting an SUV once we have a baby. My husband told me no (I know better) I guess Iāll keep my paid off Lexus š
20 |
You're absolutely right, we should live with our family under a bridge and walk to work... or pay the same amount we would pay on a home loan to rent something that will never be ours... šš
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Housing and cars are the two biggest impediments to wealth building. Then, of course, loans and credit cards. Houses are to live in but have been sold by the mortgage industry to us as wealth builders. The reverse is often truer. Houses suck up your disposable income. Smaller house, if you must go for ownership; then, invest, open viable business, build generational wealth.
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I agree about cars but not about housing, my best decision was to buy houses if I wouldn't I would be very poor, I had one year that I couldn't work and because I invested in housing it helped me a lot, about my car I have 6k left and I can't wait to pay it off
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@CynthiaSpencer
5 months ago
My grandfather (who was born in 1895 and passed away when he was 96) always said, āCars keep you poor.ā
187 |