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The first one is the main reason we could afford to have kids.
We were able to buy our first house because of three things. First the housing market crash in 2008-9. My wife's car was totaled by a rich bitch in a Mercedes. Our rented duplex was robbed and we had renters insurance. The combination of insurance payments and cheaper prices allowed us to purchase our first home.
My house payment hasn't changed since 2009. It made up 36% of our take-home income then. Today it makes up less than 11%. I pay less per month than it costs to rent a 1 bedroom apartment in my area.
The older I get the more I see that landlords are a parasite on society. They extract huge amounts of wealth from the suffering of others.
I bought an old home in ~2016, I'm 100% conditionally with the VA so was looking at fitting expenses to my budget. After recently upping my payment to pay it off for my 50th bday (36 now) its only $600/mo. $632 or something right now cause insurance sucks at the moment.
Ive watched as people have gone from happy for me, to jokingly jealous, to jealous, to cranky jealous, to "I'm going to off you and steal your identity." 🤣
This market sucks and we HAVE to get institutional investors out of housing. We HAVE to start building. In order to do that, we HAVE to stop this cultural bullshit of housing being the prime investment/retirement vehicle for Americans.
Totally jealous, but I'm happy for you. I'm glad you get to own a home.