He's wearing fucking croc skin shoes.
Jesus christ people are fucking retarded. If you have shitty credit YOU SHOULD NOT OWN A FUCKING HOUSE YOU ARE NOT A TRUSTWORTHY FUCKING BORROWER JESUS FUCKING FUCK.
We don't learn.
I couldn't get past his enormous, disproportionate head
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fair point
Serious question/statement incoming. So when I was renting, we were paying $675/m rent plus all utilities. At the time my gym partner, who is a Ramsey nut, said I was stupid for looking at buying a house because I had other debt. Our mortgage plus PMI and escrow was $485/m. Even after that he said I was stupid. Am I missing something?
I don't care about the fucked people losing their homes if I'm honest. If you can't afford a house, don't fucking buy one.
It's really more the fact that people continue to stay ignorant about major parts of their lives. How credit works, how mortgages work, how to save money, how to budget.
I blame Betsy Devos and Common Core.
That's why right when our "friend" fell behind his rent payment to us the first time we made plans to move back. It was too much risk and we paid heavily for it. It was a mistake to rent the property while our own rent for a shit apartment was almost double our mortgage payment even if our renter was paying $250 more than the mortgage payment was.
Houses cost hundreds of thousands of dollars, and the American standard of living mandates home ownership.
It's easy to say things like "how can people be so stupid" and "don't buy a home if you can't afford one", but people's situations are way more diverse and complicated than that.
Hey you found the problem. A bunch of politicians decided that everyone needs to own a home and here we are completely fucked because of that decision.
https://www.urban.org/sites/default/...an_dream_0.pdf
Thanks Bill!
Ok i'll bite. What diverse and complicated situation justifies buying things you can't afford (at least at the time) that while they may raise your standard of living but is not necessary and may not even be the most cost efficient way of increasing your standard of living? Note random other people convincing you everyone should own a home doesn't count...
This is a bit different than home ownership, but I'll point out that this is also by design. The individual refusing to take personal responsibility is one thing (and will always be an issue especially when it comes to extraneous judgement), but I am more focused on the enabler. Nobody is telling the enabler to not give a loan to that individual for an ATV. Rather, it's deliberate to get him into making money off of him in perpetuity. In fact, this is something pushed hard by (American-style) capitalism.
That's a big issue.
I tepidly agree with the assessment that not everyone should own a home, but only because of the way it was executed. Honestly thought this idea started with Reagan.