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this post was submitted on 16 Jan 2024
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That’s anecdotal. The study is an average. That’s like saying, “I’ve never been homeless, so obviously homeless people don’t exist.”
Congrats. Do you live in Central Florida (Orlando area)? How much student loan debt do you carry? The article was fairly specific about that $125k. I'm pretty sure you can buy a home and live well within your means with much less if you lived in Gray, Louisiana.
One thing that the author is not taking into consideration is the post-pandemic ability to "work from home". Gray, Louisiana is 45 minutes away from New Orleans and five minutes away from Houma. You can buy a 4Bd/3Ba 2100sqft brick house there for $165k. Crimenis relatively low and there is a university close by. You get the full suburban treatment for cheap...but you have to have a skill set that allows for remote work.
And then you have to live in Gray, Louisiana.
Where are you at?
i dont mean to pry, but i have been trying to work out how i can do this for myself so id be interested how you were able to do it.
im not asking for your life story, and obviously share what youre comfortable with online, but some helpful info would be your salary range, location and cost of home, and down payment (even as just a percentage of the total home cost).
other useful contextual information would be how long it took you to save up for the down payment, whether you did so while paying rent, if you had any other assitance with the down payment (personal loan, gift from family, borrowed against your 401k, etc), state of the home (move-in ready/fixer upper/built yourself), whether you used the loan to acquire furniture, etc.
sorry if thats asking too much but id like to use you as a data point, even if just for myself, and i do need a bit of data to do that.
Sorry, I’m not talking about this any more. Lemmy is too fucking toxic to anyone who goes against the hive mind. My comment was made in an effort to bring hope to people who read this, that there ways to make it work. But I’m done with this community honestly
i replied to your comment because it did give me a bit of hope that it was probable for someone without a six figure salary. i was just looking for some context to see what kind of sacrifices to my lifestyle and living situation i might have to make to achieve that. if it came off as passive or judgmental i am sorry. that was not my intention. i am glad you tried to give others hope that it can be done, but without a clear path to a goal, however conditional, it doesnt end up helping very much.
the problem is that anything I say will be downvoted to oblivion because it disagrees with the Lemmy hivemind. So why should I contribute to an echo chamber? I do want to give hope though.
I work in IT and don’t make that much money. I saved up for 10 years, enough to have $10k for a house down payment, found a house for $250k and my mortgage is about $1400 a month. I don’t know what a superfund site is and I don’t have anything special otherwise. Just work hard,budget, and save up. It’s doable with less thna $50k a year if you can find the right place
i do understand your perspective. i have avoided social media for the last 15 years, and had only interacted on reddit very rarely before moving to lemmy, so it may be that i am less disillusioned, but it seems to me that the better the information, the less negative discourse seems to surround it. the article in the post will definitely incite a lot of negative feelings here, since it seems to confirm a lot of the beliefs of those who feel disenfranchised by the state of the world. so yea, the deck seems pretty well stacked against hope, at least on this thread.
anyway, i appreciate you getting back to me. its nice to hear some solid figures, and that does definitely give me some hope. $10k is achievable, and a 4% down payment is probably the most reassuring figure here, as a lot of the advice i hear is closer to 8-10% which make it just that much further out of reach as id have to save up twice as much or purchase a home worth half as much which is impossible in my current market.
if you could indulge me just a bit further, how far away from a metropolitan area are you? my wife has always grown up in cities and while she does like to visit more rural areas she isnt too keen on relying entirely on a car to get around, or having to own two cars to get by, but like i said before, im curious about any sacrifices wed have to make for that sort of lifestyle so, you know, if thats how it has to be then thats how it has to be.
How close are you to a superfund site?