I bought my first house IN CASH at 28 yrs old 💰
ฝัง
- เผยแพร่เมื่อ 13 มิ.ย. 2024
- 5 years ago, I said I'd buy my first house in cash... and it ended up happening. Careful what you wish for, manifestation is real y'all. Here's the entire journey, it gets dramatic at 14 minutes, stick around. PS: the "how I saved to buy my house" video is gonna have to come soon.
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I'm Joanna Franco, aka Jo, a multilingual storyteller, documentarian, language lover, and lifelong learner. If it's going to grow my mind, wellness, global understanding, finances, or love, I'm all about it. You may know me from my Netflix Show, The World's Most Amazing Vacation Rentals, or from Shut Up and Go, my former channel and company with over 1.2 million subscribers and 600+ videos in travel! Welcome to the next chapter.
⌚️Timestamps:
0:00 - 14:23 why I decided to buy
14:23 - 20:58 the dramatic portion
PS: Some of the links in this description are affiliate links, meaning I make a few cents if you buy them to build my business!
I’m 27 years living in FL got my first house last 3 weeks paid in cash , feel so happy for myself and my achievements watching this random video . so glad I made a good decision about my finances that changed me forever
Congratulations 🍾 🎉 to you, you need loads of cash to own a house in FLORIDA. You did it congratulations once again
@@sabinaammann5030 thank you sir
@Duncan Payne I can share some that helped me
1. Plan towards it
2. Be frugal and minimal on your spending ( don’t buy why you don’t need)
3. Save money towards retirement ( Roth IRA /401)
4. Build an emergency fund
5. Save to invest, it’s a proven way to get richer. Very important to financial success
@Duncan Payne There’s a lot of investing options ( real estate, stock c ry pro ETFS) but my best advice get a financial expert to lead you into profitable one
@@karenpierce8864 you’re right I agree with you Karen , a financial consultant will be if so much help , great words
I bought my first house at the age of 19 with my mom....I had to drop out of college to get a full time job....now I am 45 mortgage free.....best thing ever
That's great ❤️
Go girl!!
You literally have to leave to realize that you were already where you needed to be but you had to leave to learn what you needed
I have no idea who you are, never watched any of your videos, but I want you to know I am extremely proud of you!
SAME! video came out of nowhere but I love her and mami already! Love to see fellow immigrants doing the things! 🇩🇲💚
me too!!😢♥️💃
Me, too!!! 💝💞💞💞
Amen!! Same here too!
Same - I love seeing hard work & refusal of defeat stories - ecstatic for you!
The fact that you had the cash to pay outright and you got denied for a mortgage is mind blowing! Congrats on your first house 🎉🎉🎉!
The bank couldn't stop her shine. It's great that she owns the home outright and got in, right before the prices went through the roof. Now she is able to benefit from the equity.
That is the complete scam that is the banking system
You can say why would the bank give you a mortgage when you have the cash sitting in your account. Banks need to see proof of income. She "changed" jobs because her new company was posting her now.
She can apply for a home loan now, to have money in the bank and renovate.
@@cindy-ml7vo I agree they are so scared to take risk now with COVID anything can cause a bank to deny - I had to send proof of employment almost 3xs - in this case the bank lost out on money but she saved - win!
Thats evidence banks live off thin air and just made up fees
I purchased a house for cash and it wasn’t an easy decision. After a lot of counsel from a couple people I trusted and weighing the pros and cons, it made way more sense to pay cash. At the end of the day the goal is to be debt free so having the option to buy a home without a mortgage became a no-brainer. No regrets because it feels darn good to not have a mortgage! Congrats to you! 🏡 🎉
Congratulations on purchasing your new home without a mortgage. That's the way to go.!!!!
This is the only way I am buying. Congratulations to you!
I have a mortgage but it’s only 500 dollars a month
Sidebar: Your Mom is totally inspiring me on motherhood. She’s my new Mommy role model 🥰
I just turned 20, and I told my mom that I was gonna save money and buy a house upfront. She kinda chuckled. 😂😂
We believe you Can! 💕
Same here but guess wht, i did it and i'm almost 25 yo 😅 believe in urself, u got it 🤞💪
you can do it!
She "chuckled" cause mom is low-key patting herself on the back for raising you right 😂👍🏾😉
@@citizenjournalist2401 It's also because young people are often naive thinking things are a lot easier than they are. Not to say they can't or won't be done but older folk know the speedbumps ahead that the kids haven't found yet.
I love the relationship you and your mom have. You guys are adorable together.
She’s definitely one of those “friend first mom second”
There’s nothing I love more than seeing someone who deserves it be insanely successful. Congrats on your home!! It’s yours, by God! 100% yours, not the bank’s. And with no mortgage, it takes the pressure off having to make a large income! You can work as much as you want, doing what you want.
Thanks Susan ❤️
Moral of the story is: You get what you ask for. The universe gave you the opportunity to buy a house in cash all at once like you 'asked' for when you were younger. Even though you were stubborn and wanted to go the conventional banking route, the universe still gave you a chance by denying you the loan for a ridiculous reason lol. The universe sent a person to tell you to buy with the cash you have, just like you said you would do. You listened this time and BOOM house doubles in value. Trust and allow the process. Thank you for your transparency.
🤣🤣🤣 TRUEEEE
So lovely that you have no rent or mortgage and you provided a place for your mother to live. Wonderful!!
This is truth....I have a paid DEED to prove it. I can’t believe I own my house outright.
The power of positivity... The power of Affirmations, you become what you speak, congratulations dear, well deserved good buy...
I just turned 28 last week and I bought my first house at 25... and listening to your process really took me back to how much work and money it all costs! It was so nerve wracking and stressful but ultimately worth it. This is a great accomplishment Jo, congratulations to you!
You goooo girl ❤️
CONGRATULATIONS 👏 👏 👏 👏
I became homeless at 25
I'm gonna get my first home at 25 too! doing it for my mama
TH-cam algorithm suggested this video and I’m not upset. She’s smart, charming, beautiful, and she lives in my beautiful state (even with all the taxes I’m paying)! Much success to you girl! Changing your family tree!
"A man travels around the world in search of what he needs and returns home to find it" -George A. Moore.
This is my favorite quote and i feel like ot applies well for you.
absolutely!
My first time on your channel and I’m a few minutes in, but how precious are those family videos?! You all kissing and thanking your Mom...my heart!
When you live in a place with houses averaging 1,3 million and can "only" get a 800.000 loan. My boyfriend and I tried to get a old 700.000 house and had to compete against 40 people. Just crazy. It's amazing to see someone my age being able to afford a house ❤️
Man sounds like SF, LA, Seattle
@@RickyBobby213 I wish it was one of those real cities, but no. It's Luxembourg
@@RickyBobby213 nah just anywhere in new Zealand aye...
So awesome!!! I remember when I was 24 I bought my first house with only 2k down, had no idea what I was doing. Now I'm 30 and shopping for #2!
I completely understand you, bought my house cash for 336k in Chicago. Best feeling ever. No mortgage is the way to go. Coming from Lebanon when I was younger and being able to do that felt great
I can't even get an apartment for that price in my city... dang I really need to move. This all sounds amazing to buy cheap homes and not have to pay ridiculous rent anymore.
You could have invested that money and doubled it in just 7 years while paying off your mortgage. You just lost tons of money.
Buying is cash is so stupid
@@littleripper312 $330K is NOT a cheap House, and if you don't reside in New York, California, Boston, or Florida, you are not being truthful about where you live. Chicago is not cheap to Live
@@Tionaintown876 Yeah.. I'm born & raised here in Chicago, and wouldn't have put all of that money in 1 Home- The Poster is Foreign, so maybe they don't know any better.. It's a LOT of different Real Estate that money could've been invested in, *with residual income* but to each their own. I definitely commend the Poster for coming to America and living their dream💝
No idea who you are, why this was recommended, but I’ve profound respect for you putting this out here. This isn’t a story of unattainable wealth, this is motivation to people to put in the work. All power to you. All the best.
Lol😂😂😂😂😂that’s joe
It's not down to laziness or even lack of financial wisdom. There are plenty of people around the world working a lot harder than YT content producers..remember all those 'essential' workers at the height of the pandemic? There are so many factors, including systemic, that mean very hardworking people don't own their home. It depends on all kinds of structural issues, where you are geographically, the property market, inherited wealth, chance, the grace of God...We need to ditch this hypercapitalistic framing that you always get what you 'deserve' or work for. Being poor isn't some divine punishment and being privileged to by your own home outright doesn't necessarily mean you've worked harder than anybody else.
also as an immigrant, this gives me all the feels that Jo is making her mom so happy. Only immigrants understand the struggle of moving to a new country, and raising a family from scratch.
And leaving everything else behind. Like it hurts in all the bad and good ways
Facts!
I like how Jo is making the same joke in every house by point to a closet and telling her mom that will be her room.
Reminds me of my relationship with my mom.
Hahahaha
Don't know why this popped up, but Congrats to you with heart warm Blessings ♥ God is Good!!
As a single mom.. this made me so happy for both of you. I am so proud of y'all.
This. I needed this. This was the video that I needed to see. I’m 24 years old and going to avoid a lot of potential stupidity because watching your journey and hearing the path you’ve been through resonates so deep in me and opened my eyes to how stubborn for no reason I’m being. Thank you for sharing your story and preventing a lot of potential headaches and waste of time in me and hopefully many others. 💜
Trade crypto baby I believe in uuuu
Stay strong and Prayed 🙏🏾🙏🏾💯☝🏾
@Danisha Cothiere good luck to you. I'm glad you learned something. I'm watching too many younger family assume instead of verify. I've been through this and asked tons of questions as I went along years ago. I thought Jo did a great Jo explaining the process so well.
Good luck.
Omg, I wish this was my life. I am the same age as jo and also Live in CT. My family is from Jamaica but my Grandma is the one who relocated my mom at a young age. We are currently looking for a home to buy, our first home. I wish I could do more to support my mom, but i work for a nonprofit and don't make a lot of money. I have always worked multiple job, but never reaching my saving goals. I want to say this is inspiring but it just makes me feel like I will never make it. Thanks Jo for sharing this information so that when my family finally finds a house we know more of the process.
You willlll! I’m going to start doing videos on how to make side money! I had to work a million odd jobs to make it happen at first but with a plan it’s all possible!
@@jofranco looking forward to seeing these videos! I work full-time for a nonprofit organization and i want to have a side hustle but dont know hoe to make this happen
I’m pushing 40 still trying to buy my first home lol 😂
A lot depends on where you choose to live, some areas are just more expensive than others. A fixer upper is always more affordable, but you got to put in the sweat equity.
SAAAAAME! I'm working on my credit and just looking into the home buying process now.
I am in my 40's we are still working on it. Hopefully in a year!😁
@@jlv3x fixer uppers in my area are 300k-700k....I will not be deterred and will keep looking. The 300k home would not support my family’s needs and would be smaller than worse (even if fixed up) than we’re living now. Hopefully I can find something that works
We usually think to buy a house for ourselves to live in. But (when possible) unite with others (family etc) buy something to rent and teach (children) siblings to unite & do the same as they are working
omg im 8 minutes in but i can feel your energy and happiness through the screen. like im literally EXACTLY as happy as you are through the process.
“If I’m going to live in a dump, why pay a lot of money for it” me as I search for my new place in Philadelphia 😭😭 congratulations Jo!!!! 😆😆💜💜
Hahahaha it was always my struggle dude
Congrats, bought my first house at 23yrs. So proud of you. The world is yours.
Hi Jo,
Thank you for making this video! I am 26 and an immigrant from Mexico / first-generation college student. I visualize my first house A LOT and have that goal in mind. This was SO awesome to watch and also to see the realtionship you have with your mom and what it must mean to her
Your mother is such a blessing! Strong, supportive, optimistic, loving. You're pretty awesome yourself.
Congratulations, baby girl (no shade, I'm 60). Thank you for showing us How It's Done. Blessings!
❤️❤️❤️ thanks for the love!
I'm not old enough to buy a house or anything, but as a kid who's moved a lot for a majority of my life I learned just how difficult it is to buy a house and get through the whole process. And I moved into my house THE DAY our pres announced the lockdown. Basically, all I wanna say is CONGRATS JO! It's not an easy road. ❤️✨
I don't understand how TH-cam recommended this to me but I am grateful I watched it, I never heard of you but I am very happy for you.
This made me cry so much! Thank you for sharing your story. I’m a 27 y.o. Mom buying a home and (hopefully) closing next week. It’s comforting to hear your story, although I’m not in the same position financially- this is an encouraging reminder that the universe always makes a way for us to have what is meant for us! Congratulations again queen!
I come here for the laughs + the reality check! Always manifesting, always putting those vibes out we need as humans to keep it moving! You're a gem. Truly.
Huge hugsssss
I'm an immigrant child just like you, I've always related to your story and right now you're giving me a lot of hope and motivation. CONGRATS FOR THE NEW HOUSE!!
Listen TH-cam! You finally recommended a video that I LOVE! I want to introduce her to my son.😂😂😂 Cheers to homeownership!
I definitely concur!!!
Factsss! I'm SCREAMINGGG!!!
Your mom is so beautiful and legit makes me smile ear to ear!
This is amazing. I'm in shock. Where I live 130000 is a down-payment on a 1 bed apartment. You're so blessed to be able to have home and family in the same place.
Ikr? I thought prices like that only existed in the south. Never knew that CT was so affordable.
where do u live?
where do you live? that doesn't sound accurate for any city in the US even the most expensive.
@@kateri17 I live in Vancouver BC Canada. It is notorious for being an expensive place to live. A one bedroom apt is between 500000-650000 (you may find one for 400000 if you head far away from the city). Most banks want 20% down on 600000 that's 120000.
That’s ridiculous. You need to move!
you and your mom had me smiling all throughout the video!
Thank you for watching!! She’s a whole character 🤣
Girl that’s what I’m talking about! You did that!!! Congratulations !!! Be the lender and not the borrower!!! You own it!!
This was so much fun to watch! You’re energy is contagious!
If I banked with that bank I would close my account.
If they have her the loan, they'd be penalized later bc she didn't meet the criteria. But I would leave as well bc they should've known 2 years is a requirement with most lenders.
It's interesting how life has a way of guiding the way. You thought you'd buy in LA, but now are closer to family & have way more house for less money. Congrats to you!!!
When you said you told your mom you were never going back to CT but then ended up back and CT really hit me bc I’m also from CT and also said the very same thing to my Mom 😭 I’m moving back at the end of the month 😭😂 Congrats on your new home!
JO I AM SO HAPPY FOR YOU OMGG, I have been watching you since I was like 14 trying to learn French and I came across your channel, instantly your genuine energy made me stay for more, over the years watching you and your channel grow is like watching a sister achieve and thrive. thanks for all the inspiration
Girl I can relate I always wanted to get out of my town and eventually learned family is important and missing out on the small things like birthdays etc are priceless and not worth missing out anymore. Welcome back to CT. I actually saw you and your mom at joanns and thought it’s Jo! Obviously didn’t say anything I’m not invasive but so glad your happy congrats on the new chapter. 🤗
That's crazy about the mortgage. We need a financial revolution in the US
Wholeheartedly agree
She went directly to the bank. That bank needed proof of income. She "changed" jobs because her company was posting get now. It's not unusual, the bank wants to make sure you have a solid income so they can get paid back. The 2008 bubble burst because banks were not checking incomes and so many lost their home.
@@cindy-ml7vo None of what you said indicates why we don't need a financial revolution. I understand where you're coming from with regards to the 2008 economic crisis, but there is a whole lot wrong with our whole economic outlook as a society in general in so many areas, not just the housing market. I hope it's something that changes soon.
@@cindy-ml7vo I am ambivalent on that. The bank needs proof that you are responsible and have the finances, your whole employment history, credit score and everything else to get ask for should be enough. If she were someone that changed jobs every year and had multiple months without work in between I would understand. But if it was a new job right or new company then ask for a company audit if need be. But banks don’t want to risk what now? They used to fake numbers before to give mortgages at variable interest that was the actual reason why the mortgage crisis happened. They were irresponsible and downright were doing fraud to then sell mortgages in bundles to investment banks. They only do this now a days because they have a bigger financial risk: people have stated paying down their loans and as such they are seeing a negative trend for them. There whole reason was because of the IRS and because they feared that her business was illegitimate and thus if it was fraud/laundering they would then have the IRS after them. It’s a different risk and one that can be reduced without causing these situations to people.
@@ireneswackyjournals8810 yes, things got stricter because of the housing mess. Unfortunately it will always be more difficult for self employed people like her. I understand the process needs to be set up even better. It may have been better to have gone to a broker. She must have thought, hey I've been a customer for so long, you know me, but hat means nothing. A broker would have been better, know about loans geared to certain type of people.
What she can do now is go to the bank (or broker) and get a home equity loan if she wants.
Your spirit is full of sunshine and the relationship you have with your mom is so wonderful! Congratulations! This was so amazing and inspiring ❤
OMG CONGRATS!!! I think I've watched you since my late high school or early college days. I'm so happy for you. I literally day dream about having my own townhouse but people say it's not a good choice because single family homes have more property and appreciate quicker...seeing this was so refreshing because you always march to your own tune and not only does the universe 'make it happen' but you are also so resourceful and smart to make it work out for you and the life that you want to live
104k subscribers only? Am surprised. just stumbled on your channel and you make quality real life experiences content. Thank you for sharing and congrats!
It’s been a slowwwww burn, haha thanks for the comment ❤️ appreciate it! Consider the channel a hidden gem 😘
OMG...the went to the bank and got a check to buy the house in cash part - straight tears! So happy - proud - excited and inspired.
My mom was also a maid in the Philly, immigrant family struggling for years that unfortunately couldn't get thats green card so we had to go back and start again in São Paulo. After 15 years, now at 34, I actually bought my first house in Florianópolis! Seeing the joy in your mothers eyes hit me deep knowing what our parents had to go through to give us better opportunities. That cycle, that reaping after years of sowing, our happiness, is the best gift we can give them. Bringing them along our success is the best gift we give ourselves. Jo, I'm loving ur content, it's so fresh and inspiring, good job on being brave and sharing with the world!
Congrats Jo!! It’s so great to see the journey so far. Can’t wait to watch what’s next.
Congratulations! This is so amazing and inspiring and insightful. I'm 28 now and finally getting myself and finances in order and the next goal is to be a homeowner. Your content lately has just been *chef's kiss*
Thank you for watching! ❤️ we’re adulting together
This is so inspirational!!! As a brazilian girl myself, I can’t wait for it to be my turn!!! I’m proud of you
This is the most inspiring thing I’ve ever seen! The reason you are so blessed Jo is because you live life everyday with joy and gratitude. You are truly DESERVING of everything. And you inspire others with your infectious happiness. God bless you and as your mama said YOU GO GIRL!! YOU BOUGHT A HOUSE!!
LOVE this! I haven't watched in a while, and then this! CONGRATULATIONS!!!! I'm so proud of you. Well deserved!!!!
Girl I live in CT and gotta figure out where the market is this affordable in the state. Congratulations on this big accomplishment!!!
Meriden, New Britain, and East Hartford that's just naming a few.
She said her house has doubled in value now like Ma'am it was only a year ago
I cried when you said you were buying that house! i felt so proud of you
I don’t know you personally but I’m proud of you. I live in CT and never would’ve thought it was possible buying a house in cash here because it’s expensive over here. Congrats!!!!
I have watched your videos for years, and I am beaming with pride. This is a major achievement. Congrats!!!
Jo you have no idea how inspiring you are, Congratulations!
❤️❤️❤️
First time stumbling upon your videos and this made me so happy. I, too, just want to buy my first home right out. Congrats!!!
So glad you’re here!
So proud of you, Jo! Congratulations!!!
So inspiring Jo! You’re amazing and the way you act around your mama reminds me of me and my mama! You go girl! 🙌
This was honestly super useful just to see how the process works. Congrats Jo!!!
I’m not sure why, but I teared up a little when the lady called you to tell that they accepted your offer :’)
I absolutely love your channel. Your mom made me tear up several times because she reminds me A LOT of my (also Brazilian) mom. It is so inspiring to hear stories of hard-working Brazilian people living in the U.S. I am very happy for you
I’m crying! I’m so happy for you!! 🙌🏽😊
Kamala voice: *You did it, Jo. You did it.*
Love that you’re thriving in your Saturn return.
literally Jo continues to inspire me at every point in my life, always something new, different and unexpected
The video was so thrilling, the tension. I felt like I was really there with you and it's my first time watching your videos too. You and your mum's relationship is so wholesome.
I hit the like button as soon as I saw your mom hustling, and all the kids around seemed just SO happy!
Congrats!!! I'm 27 and buying a house (all on my own) but I have a mortgage. But i'm so happy I am able to afford a home and I'm the first woman to buy a house in my family, by myself, and in California! Wish you the best!
I bought my first home at 27 as well, no lawyer tho.
Congrats!
You go girl! Bravo!
Mortgage or Upfront! You deserve to be HAPPPYYYY!!! 🎊🎈🍾
Nice!!
not me crying right now I SWEAR. i loved it. U deserve it all. MARAVILHOSA
I want to say that I am beyond happy to have stumbled upon your channel! I am extremely happy for your victory on buying your first house CASH 💰!!!! Congratulations!!!! I am even happier to know that you are my fellow Brazilian!!! I left Brazil 16yrs ago to start all from
Scratch here in Canada, so I absolutely understand the struggles you mention about your mom being a super hero in raising you and your siblings while working full time!!! God bless all the mother out there because we are all super heroes!!!
I am sending much love to you and your beautiful family!!!! God bless you!! 🙌🙏❤️
girl your video got me so emotional
Girllllllllll!!! This entire video had me in tears!! You’re so lit & inspiring!
your mom is a whole vibe, I love her!
Buying a house for my parents and I to live in when I'm older has always been a dream of mine as well!! So cool to see this come together Jo.
Jo I've missed you so much!!! The personal touches to your video & ur story warms my heart. ❤😊
You and your mom remind me exactly of me and my mom! This is my actual dream, being able to buy a house to take care of my mom after all she has given me and my sibs and watching this made me hopeful! Congrats Jo, I’m so happy for y’all!!
"Hold up I'm just a little kid, and it's like no girl you're a grown woman"
Muito feliz por você Jo 💕
I am SO SO SOOOO happy for you.
And know what it's like to wish for a safe place/home (still haven't found mine but I'm working on it). To know that now you have this place and it belongs to you and it's fully paid. It must be such a great relief. Your mom must be so proud and relieved as well (I don't know you guys but I think I can pretty safely assume she did a great job with you).
You did well girl !!!
Encore bravo, bon courage pour les rénovations et bonne continuation pour tout ce qui arrive🥰
I think the algorithm knows I’m currently house hunting...😅 Congrats young lady! Peace and blessings to you and your family!
New subscriber, love this video and your mum. It is shocking the way the bank rejected you and only 3 days before closing. Banks are designed to keep us poor. So glad you had the means to complete by your own means. I really wish you good fortune and health.
I'm an assistant to a loan officer, and I feel like you explained the home buying process really well! :)
Aaaaand, this is also why you don't do home loans with big banks. Always go with a lender!
Congratulations Jo! This is such an inspirational video.
Heyyy Jo, I just wanted to say that I used to watch your videos a long time ago back when it was Damien and Jo & I was in middle school. Now I’m 22 years old and randomly today this video was in my recommendations. I just want to thank both you and Damien for inspiring me to travel. When I was in middle school I was obviously too young to travel on my own and I don’t have the money to support my dreams. I would just binge watch y’all’s videos and hope that one day I’ll get to travel the world like you guys. I’m glad to say thanks to you guys I have traveled to many countries from Japan all the way to France. I definitely will be subscribing to your channel again!!
It's fantastic the way the Universe said to you, "No, baby girl! You said that you wanna buy a house with CASH! You don't need the BANK!" Lol! I have to say, though, that at 15:35 I was LIVID that you were told what you were told. So glad it all worked out for you!
Congrats on your first home🥳🏡 !
I was so intrigued about your mom coming to U.S. and all that she accomplished. I hope you do a sit down video with her because based off what you shared her story is very inspiring!
I loved every inch of this video!!! Can't wait to hear about the financials. Super super happy for you! Huge congrats!
Congratulations!!!! So proud of you. Your mom is the sweetest
I also bought a house in CT . We closed in April 2020 just when we were in shut down. One of the best decisions. I hope to one day give my mom a place to call her own.
Congratulations!! I’m so happy to see these HOMEOWNERS IN THE COMMENTS
Your mom is so awesome! She sure raised her kids damn well ❤️
Congratulations 🎉🎊🎈 So proud of you and happy for you !!!!
sooo happy for you Jo!❤️ manifesting this into my life rn