Great advice for people considering a purchase of a house. One other thing that Realtors try to sometimes hide from new potential buyers is the fact that the property taxes will in most cases be significantly higher than what the current property owner pays. This can be such a significant change that sometimes people purchase a house and realize after their first-year in the house that they cannot afford the property taxes. Buyers would be wise to find the current millage rate in a city or township where the real estate is located and determining what the likely property taxes will be after they purchase the property.
I don't believe that Realtors try to hide taxes going up. That is an absurd statement. ( I have been in this business 34 years as a Realtor/broker and before that 10 years with homebuilders) I am certain that most Realtors explain about the taxes that are current on a property that is for sale and the new price when purchased with be another higher amount. The lender also goes over this in writing and so does the title company at closing. So stop blaming and mistrusting Realtors -buyers need to listen, ask questions and read their paperwork. If you don't understand something ask again until you understand. There are a million details to home buying and that is what we do-help people navigate and understand the process. The lender will calculates your payment on the new purchase price and will not approve you for a loan if you don't qualify!
I've had a mortgage for a new home since 2012 with a 3.5% interest rate and a $1200 per month payment. Modest 1556sq ft home in San Antonio for my wide two kinds and me. The $1200 is right at 25% of take home pay and I would NEVER go higher than that. Don't buy a house if it's going to make you "house poor". Pay as much debt as you can before getting into a home. Right now, in 2023, in my area, the new houses that are the same size as my house are $340k plus! That's ridiculous. Even if some builders offer like 5% interest loans, that's still a lot of money! For you to get that 5% though, you need like 20% down. That's what I I've seen in the fine print. Good advice. Su 0:54 bscribed.
As I sat in my home office/bedroom combo, I listened intently to your wisdom about buying a home. No one has ever explained so plainly to me what to expect when it comes to home ownership and all that entails. You did not scare me, but you definitely educated me about the process. I will wait to purchase until all my ducks are in a row, so our home doesn't own us. Great video!!
I own. If you can NOT SAVE $700 a month for maintenance, you cannot afford a home, okay? People see they can afford the mortgage payment, so they can buy the place. Yes, you can BUY it, but you cannot KEEP it. You will have to sell the minute you need maintenence. Equity loans are NOT a viable solution-you're just paying interest on a new roof, but due to interest, it will not be paid off before you need to replace your roof again. Meanwhile, your furnace needs a major repair, you acquired a plumbing leak, and your washer croaked. At $700 a month, you have a stash for your new roof in just two or three years. I should have a new bathroom saved up for in 5 years ($20,000).
Excellent comments on home ownership. It's a great thing overall for most people but in my situation where houses cost a fortune where I live, renting is the best choice for me. Great point about the monthly costs being known and predictable. I will eventually buy a house when I retire and move to a more affordable place but I'm not looking forward to the surprise costs. I had a home before when I lived somewhere affordable and the maintenance costs bit me pretty hard.
Really great advice. Increases in property tax, HOAs, maintenance costs, insurance etc. may occur, along with general inflation. This can really add up over the years; will one's income rise to the occasion? If fortunate enough to be in a two income household, it's ideal to afford on one income in case of job loss. Also best to have an emergency fund prior to buying a home. Things can happen in life.
A couple years ago we got our kicks on route 66 listening to the Manhattan transfer sing it. So cool. We started at flagstaff, they have great museum there. Next we decided to drive Route 66 to San Bernardino. Once you get to California, Route 66 is non existent in my opinion. Arizona has done a great job of making the drive a trip of a lifetime. Can’t wait to do it again. John
Now or never is wrong think! We purchased a house that was 25% less than what we qualified for with the financing company. I would recommend that everyone follow this rule to leave the financial wiggle room for unexpected expenses.
Just make your coffee at home. The “pour over” method using the #2 cone filters is the best method. I use Cafe Bustelo, which I only buy when it’s on sale for $2.50 for a 10oz vacuum sealed brick. My large coffee costs ends up costing me only 13 cents! And that includes the filter. I can afford Starbucks but only go if I’m traveling.
Thanks so much for sharing the home ownership insights - these points are exactly what I have been telling my kids. There are soooo many quiet and subtle costs that continue with home ownership. I just want them to calculate these into the ongoing cost as they are looking to purchase. I also remind them, even when my house is paid off I will still always have a monthly bill of taxes, insurance and maintenance…. I guess you just finished saying all of this! 😊 I was just so happy to have someone make all of these often forgotten extremely important points. Thank you!
Thank you for the information regarding searching for a phone number using online search. I actually did that to find my credit union’s number this morning. Luckily I double checked after seeing your video, and I did call the correct number.
Completely agree that you need to consider many things when you buy a home, buy something you can afford you pay (mortgage, Property Insurance, Taxes). Dont stretch it if you cant afford it now . If you have the ability to pay financially without stretching it, then owning a home is actually a good investment in a long run, Home value keep increasing year over year. If you keep renting for 20 years, you have nothing at the end of 20y.
Coffee from the grocery store went up a lot during COVID. Never came down. And it went up again in the last month or so. As I understand it coffee production is down around the world. Thinking of giving it up completely myself. . .
Coffee is life. One of the very few things in life I like. I use Atlas coffee club and probably spend about $60 a month for my wife and I. Really don't think that is bad at all, for very high quality coffe beans. Walmart has coffee on clearance sometimes. If you don't care about what type.
Clark, I'm sure you are aware of the danger of too much water in a short period of time, especially after exercise. Just in case though, I wanted to comment as others may be unaware. Thanks!
Moved from New Jersey to North Texas. Not a budget buster, but one thing I didn’t calculate accurately is the “water bill”. In New Jersey my water bill was a few dollars a month. My Texas property tax bill is less than half of what it would be in Jersey. However, the Jersey property tax bill included police, fire, waste water, etc. My Texas “water bill” includes a fee to cover the infrastructure to supply water, water, police, fire, waste water, recycling + trash collection! My assumption was that my water bill would be a couple of dollars, it’s actually approximately $140 😬 Having said that that I’m way ahead of the game living in Texas - Love it here🤠
If you are close to Roth limits the easiest thing is to just "back door" it. Like Clark said it is a pain to fix it later if you go over the income limit. Back door is simple to report.
As an owner, it is CRITICAL YOU SAVE!!! Pre-pandemic, it was recommended owners save $500 a month, or $6,000 annually. As an owner myself, this WAS accurate until 2021. I DO spend about $6,000 a year, but that is no LONGER adequate. I suggest saving $710 a month now, or around $8,500. If you can NOT save $700 a month AFTER mortgage, taxes, and ALL BILLS are paid, you can NOT own a home, folks.
Thanks for sharing the video! Hope it helps them. Give your kids a little grace, as it's really hard right now for folks to live on their own with the expensive cost of housing. Hopefully they are setting things up financially, so that when the housing market is better they can pounce & bounce 🙂💚
Do not purchase a home in a high interest environment while home prices are still very high! Waif it's still cheaper to rent.. There will be future opportunities!!
My wife and I enjoy dining out, but the dramatic increase in prices has decreased that enjoyment. A recent seafood lunch with tip? $72. We will be dining out significantly less since the rising costs make the experience far less enjoyable. I expect the coming recession (in my opinion it will be closer to a depression) will likely see many restaurants go "belly up". I paid off my mortgage in the early 2000s; since the IR was 6.5% that was the effective return on that $, and I don't regret it. If I died suddenly, I didn't want my wife facing monthly mortgage payments.
I liked your take on real-estate. But home owners insurance is crazy high right now and it's near impossible to obtain in Florida or California. People can call an insurance Co with the address they are looking to purchase for quotes. Although in parts of Florida you need a annual intrusive insurance inspections inside, outside and in your attic. Looking in your cabinets, taking pictures throughout.
I never got into the coffee habit. Now I am glad! Starbucks charges a fortune but opposes sharing that with their employees by opposing unionization. It is not a business I would patronize.
@@patde1264 Of course they do. They want to have complete control over their employees. Every dollar they save on employee pay and benefits can go to executive compensation. Reports often state that the savings are going toward paying dividends to stockholders. No, it is executive compensation. Stockholders may need a union.
The Benevolent Bob Wells said, "Future Homes will be on Wheels!" ie. Fires, Crime, Drought, Hurricane, Employment, Taxes, Insurance, HEAT, and Schools.
Zillow, Redfin and others have these kids hypnotized into thinking they have to buy now for full price or more. Those companies should be shut down. I watched and listened to my son as he got caught up in the hype in Tampa 2 years ago. It was insane houses full of mold and leaky roofs listed for $250,000.
💯💯💯 True! It's best to get the customer service number for a business from a statement/bill, back of a card, or the app. If you have to use their website, here are easy ways to spot a fake one: clark.com/scams-rip-offs/how-to-spot-a-fake-online-store/
It is time to get a large McDonald's coffee and a splash of Carolan's Irish Creme. Be careful as water consumption is 8- 8oz glasses or 64 ounces a day.
I would do the same. Personal preference. Some will want to chase potentially more return, but life can throw curve balls as well. I'd rather have the peace of mind in case I had to stop working and keep things more simple.
Definitely need more info to provide the correct answer. It’s really about the mo mortgage payment vs what’s their expected mo income in retirement. Going into retirement without a mortgage payment is the best 😊
There are definitely both Roth and Traditional IRA limits. I’m not sure how you could possibly contribute any amount?? You can convert Traditional to Roth without limit, but you’re still going to have a limit on contributions to the Traditional.
An Amish guy told me he wanted 1,100 dollars (cash) a day for labor cost. Guess he had to make some money off the English as he never gets paid doing barn, or home raisings.
Not really. If you enjoy very good coffee. It could be very worth it. I love good coffee. I have a decent coffee maker, and I buy very high quality whole coffee beans.
🕊️ Good Afternoon!⛅ Clark Howard podcast 💸 and his team are the best 🤓 Blessings everyone 💞 🕊️ Thanks for Exposing Scammers🧐 Can you speak on🏡 break ends, when you go on vacation👪 It's sad 😥 some people just don't care 🤷🏽
Buy a home! you become King of your castle. America 1950-1980 was great for that reason. House repairs? come on! The water heater wlll brake down every 15-20 years. The AC Unit? Amazon $200 max. Law in Oregon says a landlord can increase the rent by 10% every year. And International investors nowdays love to buy in America and " Rent the American Dream" to Americans. Eat rice and beans for a couple of years so you can Buy the American Dream instead of making a Real Estate Investor richer.
Takes you so long to get to the point so unnecessary dragging it out people don't have the time to just vote soliciting for such length of time you need to be more concise and speak more to the point
Great advice for people considering a purchase of a house. One other thing that Realtors try to sometimes hide from new potential buyers is the fact that the property taxes will in most cases be significantly higher than what the current property owner pays. This can be such a significant change that sometimes people purchase a house and realize after their first-year in the house that they cannot afford the property taxes. Buyers would be wise to find the current millage rate in a city or township where the real estate is located and determining what the likely property taxes will be after they purchase the property.
Great tip! 🙌
Good point!
I don't believe that Realtors try to hide taxes going up. That is an absurd statement. ( I have been in this business 34 years as a Realtor/broker and before that 10 years with homebuilders) I am certain that most Realtors explain about the taxes that are current on a property that is for sale and the new price when purchased with be another higher amount. The lender also goes over this in writing and so does the title company at closing. So stop blaming and mistrusting Realtors -buyers need to listen, ask questions and read their paperwork. If you don't understand something ask again until you understand. There are a million details to home buying and that is what we do-help people navigate and understand the process. The lender will calculates your payment on the new purchase price and will not approve you for a loan if you don't qualify!
I've had a mortgage for a new home since 2012 with a 3.5% interest rate and a $1200 per month payment. Modest 1556sq ft home in San Antonio for my wide two kinds and me. The $1200 is right at 25% of take home pay and I would NEVER go higher than that. Don't buy a house if it's going to make you "house poor". Pay as much debt as you can before getting into a home. Right now, in 2023, in my area, the new houses that are the same size as my house are $340k plus! That's ridiculous. Even if some builders offer like 5% interest loans, that's still a lot of money! For you to get that 5% though, you need like 20% down. That's what I I've seen in the fine print. Good advice. Su 0:54 bscribed.
As I sat in my home office/bedroom combo, I listened intently to your wisdom about buying a home. No one has ever explained so plainly to me what to expect when it comes to home ownership and all that entails. You did not scare me, but you definitely educated me about the process. I will wait to purchase until all my ducks are in a row, so our home doesn't own us. Great video!!
Glad you learned something that will make your future homeownership easier! #notnowbutlater 💚
I own. If you can NOT SAVE $700 a month for maintenance, you cannot afford a home, okay? People see they can afford the mortgage payment, so they can buy the place. Yes, you can BUY it, but you cannot KEEP it. You will have to sell the minute you need maintenence. Equity loans are NOT a viable solution-you're just paying interest on a new roof, but due to interest, it will not be paid off before you need to replace your roof again. Meanwhile, your furnace needs a major repair, you acquired a plumbing leak, and your washer croaked. At $700 a month, you have a stash for your new roof in just two or three years. I should have a new bathroom saved up for in 5 years ($20,000).
Excellent comments on home ownership. It's a great thing overall for most people but in my situation where houses cost a fortune where I live, renting is the best choice for me. Great point about the monthly costs being known and predictable. I will eventually buy a house when I retire and move to a more affordable place but I'm not looking forward to the surprise costs. I had a home before when I lived somewhere affordable and the maintenance costs bit me pretty hard.
Really great advice. Increases in property tax, HOAs, maintenance costs, insurance etc. may occur, along with general inflation. This can really add up over the years; will one's income rise to the occasion? If fortunate enough to be in a two income household, it's ideal to afford on one income in case of job loss. Also best to have an emergency fund prior to buying a home. Things can happen in life.
Great tips! 🙌
A couple years ago we got our kicks on route 66 listening to the Manhattan transfer sing it. So cool. We started at flagstaff, they have great museum there. Next we decided to drive Route 66 to San Bernardino. Once you get to California, Route 66 is non existent in my opinion. Arizona has done a great job of making the drive a trip of a lifetime. Can’t wait to do it again. John
I've been in my home for over twenty years. This is valuable info. Thank you Clark Howard.😊
Now or never is wrong think! We purchased a house that was 25% less than what we qualified for with the financing company. I would recommend that everyone follow this rule to leave the financial wiggle room for unexpected expenses.
Clark!!! The opening monologue is GOLD!!!! I sent it to my 20 something kids and thank you kind sir!
Just make your coffee at home. The “pour over” method using the #2 cone filters is the best method. I use Cafe Bustelo, which I only buy when it’s on sale for $2.50 for a 10oz vacuum sealed brick. My large coffee costs ends up costing me only 13 cents! And that includes the filter. I can afford Starbucks but only go if I’m traveling.
Yes! I got a scam number for HP support when having trouble with my laptop. As it turns out, it was a scam trying to get me to pay for tech support!
Yep, that's a classic scam. Hope you recognized it and didn't fall for it 💚
I am in a shutdown mood today so if google won't take charge of scams in their listings maybe we need to shut them down too
I'm with you Clark on the S,M,L sizes . Thank you for doing what you do!!!!!
Thanks so much for sharing the home ownership insights - these points are exactly what I have been telling my kids.
There are soooo many quiet and subtle costs that continue with home ownership.
I just want them to calculate these into the ongoing cost as they are looking to purchase.
I also remind them, even when my house is paid off I will still always have a monthly bill of taxes, insurance and maintenance….
I guess you just finished saying all of this! 😊
I was just so happy to have someone make all of these often forgotten extremely important points.
Thank you!
If making $20 an hr as a single 1 income earner, you can barely afford a car payment and rent , let alone the cost of a mortgage and the extra!
Well, Clark...now you have to tell us what Lane's coffee machine is that makes the great coffee.
Google needs to be held responsible for all these scams!!
Thank you for the information regarding searching for a phone number using online search. I actually did that to find my credit union’s number this morning. Luckily I double checked after seeing your video, and I did call the correct number.
It's a lot easier to call the number that's on your monthly statement.
Glad it was the correct number! 💚
@@marietaylor5174 Good tip! Or call the number from the app. 🙌
Completely agree that you need to consider many things when you buy a home, buy something you can afford you pay (mortgage, Property Insurance, Taxes). Dont stretch it if you cant afford it now . If you have the ability to pay financially without stretching it, then owning a home is actually a good investment in a long run, Home value keep increasing year over year. If you keep renting for 20 years, you have nothing at the end of 20y.
Good points! #notnowbutlater 🙌
Coffee from the grocery store went up a lot during COVID. Never came down. And it went up again in the last month or so. As I understand it coffee production is down around the world. Thinking of giving it up completely myself. . .
Coffee is life. One of the very few things in life I like. I use Atlas coffee club and probably spend about $60 a month for my wife and I. Really don't think that is bad at all, for very high quality coffe beans. Walmart has coffee on clearance sometimes. If you don't care about what type.
Clark, I'm sure you are aware of the danger of too much water in a short period of time, especially after exercise. Just in case though, I wanted to comment as others may be unaware. Thanks!
Thanks for the heads up! A quick Google search shows that the CDC advises people not to drink more than 48 ounces of water, or six cups, per hour. 💚
I used to go to Starbucks a latte before the big price increases!
give up that junk.
Moved from New Jersey to North Texas. Not a budget buster, but one thing I didn’t calculate accurately is the “water bill”. In New Jersey my water bill was a few dollars a month. My Texas property tax bill is less than half of what it would be in Jersey. However, the Jersey property tax bill included police, fire, waste water, etc. My Texas “water bill” includes a fee to cover the infrastructure to supply water, water, police, fire, waste water, recycling + trash collection! My assumption was that my water bill would be a couple of dollars, it’s actually approximately $140 😬 Having said that that I’m way ahead of the game living in Texas - Love it here🤠
Thank you Team Clark.
If you are close to Roth limits the easiest thing is to just "back door" it. Like Clark said it is a pain to fix it later if you go over the income limit. Back door is simple to report.
As an owner, it is CRITICAL YOU SAVE!!! Pre-pandemic, it was recommended owners save $500 a month, or $6,000 annually. As an owner myself, this WAS accurate until 2021. I DO spend about $6,000 a year, but that is no LONGER adequate. I suggest saving $710 a month now, or around $8,500. If you can NOT save $700 a month AFTER mortgage, taxes, and ALL BILLS are paid, you can NOT own a home, folks.
For everyone considering owning a home first consider job security. What will be the backup plan if you lose your job?
I wish I had this advice 30 years ago but you live and learn no regrets 😊 I will pass this video on to my 2 grown kids who can’t seem to leave 😢
Thanks for sharing the video! Hope it helps them. Give your kids a little grace, as it's really hard right now for folks to live on their own with the expensive cost of housing. Hopefully they are setting things up financially, so that when the housing market is better they can pounce & bounce 🙂💚
You’re absolutely right the last thing I want is for them not to be set before they leave thanks again LOVE WATCHING always great advice
Thank you!
Do not purchase a home in a high interest environment while home prices are still very high! Waif it's still cheaper to rent.. There will be future opportunities!!
Which brand of cappuccino machine?
Clark, when buying a home, one may also have to consider the cost of Homeowners Association dues, which increase over time.
My wife and I enjoy dining out, but the dramatic increase in prices has decreased that enjoyment. A recent seafood lunch with tip? $72. We will be dining out significantly less since the rising costs make the experience far less enjoyable. I expect the coming recession (in my opinion it will be closer to a depression) will likely see many restaurants go "belly up". I paid off my mortgage in the early 2000s; since the IR was 6.5% that was the effective return on that $, and I don't regret it. If I died suddenly, I didn't want my wife facing monthly mortgage payments.
I liked your take on real-estate. But home owners insurance is crazy high right now and it's near impossible to obtain in Florida or California.
People can call an insurance Co with the address they are looking to purchase for quotes.
Although in parts of Florida you need a annual intrusive insurance inspections inside, outside and in your attic. Looking in your cabinets, taking pictures throughout.
Happy Vlogging Day 😎 🎞 📹 👊
Team Clark rocks! #BonusTerm - " R.V. there yet? " ... Have safe, fun summer road trips, everybody. :)
💚 #bonusterm
Great info -- except as an upcoming retiree, I would pay off my mortgage -- or sell now and then move to a cheaper area.
Pay off the house…. You can invest what your payment used to be and you significantly reduce the income you need on a monthly basis.
As always a good show. You guys are the best😊
The property tax on your home will increase at a much lower percentage than your rent. And you get to have a garden to enjoy outside.
I would pay off the mortgage because of the peace of mind it brings. Plus, your current monthly mortgage amount can go directly into investing.
It happened to me clock. I was just searching for Amazon. Customer care the scammers.
I never got into the coffee habit. Now I am glad! Starbucks charges a fortune but opposes sharing that with their employees by opposing unionization. It is not a business I would patronize.
Most business also oppose it
@@patde1264 Of course they do. They want to have complete control over their employees. Every dollar they save on employee pay and benefits can go to executive compensation. Reports often state that the savings are going toward paying dividends to stockholders. No, it is executive compensation. Stockholders may need a union.
How do you find a good cruise (or general) travel agent? I don't know where to start.
The Benevolent Bob Wells said, "Future Homes will be on Wheels!"
ie. Fires, Crime, Drought, Hurricane, Employment, Taxes, Insurance, HEAT, and Schools.
My question is these people calling in with low interest rates? Are they fixed rates?
Zillow, Redfin and others have these kids hypnotized into thinking they have to buy now for full price or more. Those companies should be shut down. I watched and listened to my son as he got caught up in the hype in Tampa 2 years ago. It was insane houses full of mold and leaky roofs listed for $250,000.
Hopefully you were able to step in and intervene for your son. 💚
Clark says "Oklahoma" and Christa says "OK" - nice pun! Intentional or not ;).
Ha! 😂
So how do you know if you have the right web site? Scammers fake those too
💯💯💯 True! It's best to get the customer service number for a business from a statement/bill, back of a card, or the app.
If you have to use their website, here are easy ways to spot a fake one: clark.com/scams-rip-offs/how-to-spot-a-fake-online-store/
Krista always has beautiful smile..😊😊
🙂🙂🙂
Houses are a form of debt but you have to leave somewhere ! You have to budget !
It is time to get a large McDonald's coffee and a splash of Carolan's Irish Creme.
Be careful as water consumption is 8- 8oz glasses or 64 ounces a day.
Even YT can teach most home repairs. Even if you don't DIY, you'll ne harder top scam,
Rent any special tools.
If you buy an older home, Isn’t there any way that any of the things can get paid for by the seller or what?
What paid for?
Yes, sometimes you can negotiate with the seller to pay closing costs, home repairs, appraisal, etc...
Pay off the home mortgage of 3.75. A 5% CD after taxes will not be much different and you will have the peace of mind.
I would do the same. Personal preference. Some will want to chase potentially more return, but life can throw curve balls as well. I'd rather have the peace of mind in case I had to stop working and keep things more simple.
Definitely need more info to provide the correct answer. It’s really about the mo mortgage payment vs what’s their expected mo income in retirement. Going into retirement without a mortgage payment is the best 😊
That's an emotional decision and not a good math decision.
You do not want to be house poor! Live within your means!
Just saw a video showing a new barista robot, wonder how that will change things in the coffee world? No more tip jar at the register?!
We've had a comment before from someone who saw a tip jar for a robot 🤷♂
I'd love to know what kind of coffee maker Krista has??
Book tour? Clark has written books?
Many
Yes, several books, including three New York Times bestsellers. Check them out here: clark.com/clark-books/
What kind of Machine did I you get?
There is no Roth limit. Use the backdoor.
💯 Great tip for high-income earners!
There are definitely both Roth and Traditional IRA limits. I’m not sure how you could possibly contribute any amount??
You can convert Traditional to Roth without limit, but you’re still going to have a limit on contributions to the Traditional.
@@chrisforker7487 There are no limits. Use the back door.
An Amish guy told me he wanted 1,100 dollars (cash) a day for labor cost. Guess he had to make some money off the English as he never gets paid doing barn, or home raisings.
$500 for a coffee making machine is so stupid!
Mine cost $10 and it makes great coffee!
I have used a the same french press for the last 20 years .....
Not really. If you enjoy very good coffee. It could be very worth it. I love good coffee. I have a decent coffee maker, and I buy very high quality whole coffee beans.
🕊️ Good Afternoon!⛅
Clark Howard podcast 💸
and his team are the best 🤓
Blessings everyone 💞
🕊️ Thanks for Exposing Scammers🧐
Can you speak on🏡 break ends,
when you go on vacation👪
It's sad 😥 some people
just don't care 🤷🏽
.
Thanks for the suggestion! We will discuss. Love your emoji visuals 💚
Buy a home! you become King of your castle. America 1950-1980 was great for that reason. House repairs? come on! The water heater wlll brake down every 15-20 years. The AC Unit? Amazon $200 max. Law in Oregon says a landlord can increase the rent by 10% every year. And International investors nowdays love to buy in America and " Rent the American Dream" to Americans. Eat rice and beans for a couple of years so you can Buy the American Dream instead of making a Real Estate Investor richer.
Takes you so long to get to the point so unnecessary dragging it out people don't have the time to just vote soliciting for such length of time you need to be more concise and speak more to the point