Podcasts about buy a home

Think you need 20% down to buy a home? Think again. In Step 5 of the 10-Step How to Buy a Home System, David Sidoni breaks down how much you really need to save — and how to start now, even if you're juggling debt.Saving for a home is the step that scares most renters away from ever getting started. In this episode, David busts the biggest myth in homebuying — that you need a massive 20% down payment — and replaces it with a realistic, data-backed plan to get you there faster.You'll learn the simple formula to estimate your goal: 8% of your home's price (5% down + 3% closing costs). That's the true, conservative number for most first-time buyers — and for many, it can be even less.David walks through how real buyers used creative strategies and pro guidance to shrink their out-of-pocket costs to as little as 1–5%. From zero-down loans to grants and seller credits, this episode shows how working with a Unicorn Team early opens doors you didn't know existed.You'll also hear real-world examples like Nick (Episode 399), who expected to need tens of thousands for closing — but ended up bringing only $4,000 to the table and even got money back.The key message: Don't wait until you think you've saved “enough.” Waiting costs you time, opportunity, and money. Learn how to plan smart, start early, and move forward with confidence.“If you think you need 20% down, you're already behind the truth. Most first-time buyers use 3.5% or 5%, and some even less. Waiting to ‘save enough' could cost you thousands.”HighlightsMyth Busted: Only 8–9% down is typical for first-time buyers — not 20%.Your Real Goal: Start with the 8% formula (5% down + 3% closing costs).Example: $400,000 home = $32,000 total savings target.Start Early: Work with a Unicorn Team before you hit your goal — they'll help you find options that reduce how much you need.Buyer Story: Nick (Ep. 399) bought with just $4K out-of-pocket — and got a refund check.Options That Work: 3.5% FHA loans, down payment assistance, seller credits, and even 0% down programs.Emotional Truth: Stop assuming homeownership is out of reach. Education and strategy make it possible sooner than you think.Referenced Episodes388 – The Playbook Vol. 1: The Rent Replacement Strategy389 – The Playbook Vol. 2: Your Last Lease Ever348 – How Much Do You Really Need for Closing Day?399 – The Real Value of Buying: What Nick Gained Beyond a Mortgage380 – This Should Have Been Impossible – But Rosie Actually Did It (Interview)189 – VA Loans: Bad for Buyers or a Christmas Miracle?358 – Interview: How to Buy a Duplex at 22 with $12K321 – Buying in a High-Cost Area – Long Island, NY (Interview)121 – When to Back Out of the Deal – Interview with a First-Time Buyer113 – Interview with a Single Female First-Time Home Buyer in 202275 – Inspection Red Flags, New Tips for 2022 Bidding Wars, and To Wait or Not to Wait?58 – How to Use Your Retirement Savings to Buy Your First Home the Safe Way22 – How to Financially Prepare to Buy Your First Home – Part IV273 – Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)19 – How to Financially Prepare to Buy Your First Home – Part I371 – Top Budgeting Apps for First-Time Buyers in 2025381 – Saving While in Debt: How Much Do First-Time Buyers Really Need in 2025?194 – Interview – Making the Impossible Purchase Possible169 – Woman Power: This Single Woman Bought Her First Home239 – Interview: Using the VA Loan for Zero Down161 – Achieving the American Dream: An Interview with Sally7 – First-Time Home Buyer – 1, 2, 3Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and con

A growing sense of economic pessimism is sweeping the nation. In this episode, Kathy Fettke breaks down Fannie Mae's latest Home Purchase Sentiment Index, which shows that nearly 70% of Americans believe the economy is on the wrong track — and an even higher 73% say it's a bad time to buy a home. We'll explore what's driving this negative outlook, from high mortgage rates and rising home prices to slowing job growth and stagnant wages. Kathy also explains what these trends mean for real estate investors and why understanding buyer sentiment can reveal key opportunities in shifting markets. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://fortune.com/2025/10/07/is-it-good-bad-time-to-buy-house-housing-market-economy-wrong-track/

Lo is joined by real estate strategist Scott Harris, whose decades of experience and new boutique approach to brokerage reshapes how buying and selling should feel. Scott, having brokered nearly $2 billion in NYC properties and recently founding Magnetic, unpacks the biggest mistakes buyers make today, how to reframe beliefs like “I'll never own a home,” and the four-step “Magnetic Method” (Activate → Align → Amplify → Attract) he uses to help clients land properties they truly love.Scott shares the most misunderstood step in his method and digs into why so many people get stuck there. He walks through a “mission impossible” transaction from his NYC career and reveals the pivot that made it happen. The conversation also explores how to balance your dream home wishlist with what's realistic, and why sometimes a “starter home” is the smarter move. For women or people buying solo, he highlights unique negotiation, financing, and mindset hurdles and how to coach past them.You'll also learn the invisible costs most buyers forget (maintenance, taxes, inflation, HOA, renovations), and discover what gives one buyer the edge in an offer war that isn't just about money. In closing, Scott offers concrete steps listeners can take 6–12 months ahead of a purchase to set themselves up for success.Whether you feel like the market is stacked against you or you're just curious how to bring more intention into your home search, this is a guide for confident, heart-forward real estate — not just transactions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You don't need to be debt-free to buy a home—this episode shows you how to work smarter with your debt, not fear it.In today's housing market, waiting to eliminate all your debt before buying a home might actually hurt your long-term financial stability. In this must-listen episode of the How to Buy a Home podcast, we tackle the misunderstood middle child of the Big Three—debt—and explain why managing it strategically can often lead to faster, more affordable homeownership. David Sidoni breaks down the difference between good, bad, and workable debt, clears up damaging debt myths, and shares real success stories of buyers who used modern tactics to qualify for a home loan despite carrying credit cards, car payments, and even $300,000 in student loans.Whether you've followed traditional advice (like Dave Ramsey's) or are just starting your journey, this episode gives you up-to-date guidance for navigating debt in 2025 and beyond. Learn how to balance budgeting, reduce stress, and take smart steps toward buying—even with debt still on the books.“You don't have to be debt free. You don't even have to be nearly debt free to buy a home. That's a fact.”Highlights:Why the “debt-free before buying” rule is outdatedThe three types of debt: good, bad, and workableHow your monthly debt matters more than your total debtSuccess stories: Buying a home with credit in the toilet, medical debt, or $300K in student loansWhy DTI (Debt-to-Income ratio) matters—and how to work with itTips for using budgeting apps, simulators, and custom plans to balance saving and debt reductionWhat to do with a windfall: Should you save it or pay off debt?The truth about student loans, consolidation, and PMIHow working with the right team unlocks real optionsReferenced Episodes:167 – Christina & Sean: First in Their Family to Buy a Home187 – Dr. Kendall: Psychologist Turned First-Time Buyer186 – John & Richard: Buying With $300K in Student Loans388 – The Playbook VOL. 1 – The Rent Replacement Strategy389 – The Playbook VOL. 2: Your Last Lease Ever394 – The American Dream Is Dead371 – The Best Budgeting Apps for Homebuyers198 – PMI Is a Privilege216 – PMI Is Still a Privilege And Still Not The DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Creativity through the lens of the CEO and Founder of the How to Buy A Home platform"Finding creativity when you're sweaty and tired."David Sidoni has been helping first-time home buyers since 2006. After over a decade of seeing first-hand how the real estate industry was screwing first-timers, he decided to create an educational platform to empower and educate the people who need guidance most. Since 2019, now with over 1.67 million downloads, the How to Buy a Home podcast is the #1 place for renters to find the answers they are looking for.https://howtobuyahome.com/https://www.facebook.com/HowtoBuyaHomeGuy/https://x.com/davidsidonihttps://www.youtube.com/@HowToBuyAHomehttps://www.instagram.com/howtobuyahomepodcasthttps://www.linkedin.com/in/david-sidoni-53a9295/https://www.tiktok.com/@howtobuyahomeSend us a text

Credit scores can make or break your first-home dream — but most of what you've heard about them is wrong. In this essential step of the How to Buy a Home system, David Sidoni cuts through the myths and reveals how to build the kind of credit that actually gets you approved. Whether your score is 820 or 520, this episode shows you exactly how to work with — not against — the credit system so you can buy smarter and sooner.Your credit score isn't a judgment of character — it's a math formula that lenders use to decide how much you'll pay for your mortgage.In this episode, David breaks down how that number really works and why time is your most powerful tool for improving it. From insider tips shared by national credit experts to easy-to-follow habits that raise your score month by month, this is the complete roadmap for turning your credit from a roadblock into a launchpad.Listeners will learn:Why the credit system moves slowly — and how to use that delay to your advantageThe “Big Three” pillars (credit, debt, and savings) that work together to boost buying powerHow early planning — two to three years before you buy — creates the best loan optionsWhy even small positive steps add up to big results over timeThe real truth about FICO, credit pulls, and what lenders actually seeIf you've ever worried that your credit isn't “good enough,” this episode gives you proof — and a plan — that it can be.“Negative changes happen fast, but positive changes happen slowly — and that's exactly why time is your biggest advantage.”HighlightsCredit myths, busted: What's real, what's internet noise, and what actually affects your score.The Big Three explained: How credit, debt, and savings combine to shape your buying power.Start early: The 2-to-3-year rule for maximizing your credit results before you apply.Beat the bureaus' delay: Learn why patience and consistency win the credit game.No quick fixes: Why there's no magic wand — just smart steps and time.Confidence over fear: Even low scores can rise; the key is knowing where to start and sticking with it.Referenced Episodes349 – Credit Score Solutions for First-Time Buyers (INTERVIEW)304 – Improve Your Credit: Homebuying 101 – Step 3199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!90 – Credit Repair for 300-669 – “Bad” or “Fair” Credit Scores64 – Credit Tips for First-Time Home Buyers from Jeanne Kelly, National FICO Expert61 – More FICO Fun – Some Good News (For Once) About Credit Scores & Hacks56 – The Advanced Hack to Raise Your Credit Score and Get Extra Cash for Your Down Payment8 – Quick Credit Tips for First-Time Home Buyers3 – What Do You Need to Know About Credit182 – Interview: From ZERO Credit Score to Homeowner198 – PMI Is a Privilege216 – PMI Is Still a Privilege and Still Not the DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Choosing the right realtor and lender is the most important decision of your entire home-buying journey. In this foundational step of the How to Buy a Home Starter Kit, David Sidoni reveals how to build your real estate “dream team” — one that guides, protects, and empowers you from day one. This episode exposes the industry myths that keep first-time buyers confused and shows you how to find professionals who work for you, not just the deal.SynopsisMost first-time buyers think their realtor's job is to find a house and write an offer, and their lender's job is to get them the lowest rate. Wrong. In this episode, David breaks down the truth about what real estate and mortgage professionals are really supposed to do — act as your advocates and educators long before you ever start touring homes.You'll learn why finding your guides early is the #1 shortcut to buying with confidence and saving money in the process. David walks through the “red flags” that signal you're working with an order-taker instead of a true advisor, explains how fees really work (even after the 2024 NAR lawsuit), and shows you exactly what to look for in a first-time–buyer–friendly realtor and lender.This episode is all about mindset — shifting from “I can figure it out on my own” to “I deserve a team that helps me win.” You'll walk away knowing how to interview potential agents and lenders, how to spot true advocates who will guide you through every step, and why this early investment of time can make or break your success as a homebuyer.Quote“You don't have to do all the planning on your own — that's the number one thing that will make or break your home-buying dreams.”HighlightsWhy Step 2 is the most important step in the 10-part homebuying processThe truth about what your lender and realtor actually doHow to avoid “door-openers” and “order-takers” who only chase transactionsThe real story behind agent fees after the 2024 NAR lawsuitHow early education with the right guides multiplies your buying powerThe mindset shift that turns confusion into confidenceRed flags to avoid when choosing your real estate teamWhat to look for in a first-time–buyer–focused realtor and lenderWhy spending 10x more time researching your team is worth itThe “personal Yoda” principle — why long-term guidance creates better outcomesReferenced Episodes[Ep. 5] The Biggest Dirty Little Secret in Real Estate[Ep. 164] START HERE: 10 Steps to Buying Your First Home[Ep. 169] Woman Power: This Single Woman Bought Her First Home[Ep. 229] What Is a Unicorn Real Estate Team?[Ep. 339] Don't Get Pre-Qualified—Get a Plan (Interview)[Ep. 340] Down Payment Assistance, Discovery Calls & Lending Myths (Interview)[Ep. 382] 2025 Crucial Housing Market Shift Pt. 1: Rates[Ep. 383] 2025 Crucial Housing Market Shift Pt. 2: Sales, Inventory & Affordability[Ep. 384] 2025 Crucial Housing Market Shift Pt. 3: Rent Math & Buying Power[Ep. 388] The Playbook Vol. 1: The Rent Replacement Strategy[Ep. 389] The Playbook Vol. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

Before credit checks, down payments, or Zillow searches — the first step is deciding. In this kickoff to the 10-step Homebuying 101 series, David Sidoni breaks down the mindset every first-time homebuyer must have before any of the practical steps even matter. If you've been stuck renting, overwhelmed by myths, or waiting for “the right time,” this episode will change how you see yourself — and your ability to buy a home.SynopsisMost people think the first step to buying a home is financial — checking credit, saving money, or finding a realtor. But that's not where it starts. The first step is mental: deciding you're ready to take control of your future.David Sidoni, founder of How to Buy a Home, reveals why every first-time homebuyer's journey begins with a decision — a mindset shift that transforms fear into action. He exposes the biggest myths keeping renters stuck, from “you need 20% down” to “you can't buy with student loans,” and replaces them with real numbers, data, and proof from thousands of successful buyers.Listeners learn that education is the antidote to fear. Sidoni shows that understanding the process, not having perfect finances, is what separates dreamers from doers. Backed by six years of data, he proves that 72% of people who thought they were a year away from buying discovered they were ready far sooner — once they made the decision to start.By the end, this isn't just about houses or mortgages — it's about finally believing you can stop renting forever.Quote“Step one is decide — because none of the other nine steps mean a damn thing if you don't make that choice first.”— David Sidoni, How to Buy a Home PodcastHighlightsThe true first step isn't financial — it's mental. Deciding to move forward changes everything.Myth-busting the biggest fears: You don't need 20% down, a six-figure income, or perfect credit to buy.Mindset = momentum. Confidence comes from education, not from already knowing everything.Proven data: 72% of buyers who thought they were a year away discovered they could buy much sooner.Clarity before chaos. The 10 steps give you a system so you can stop guessing and start planning.Empathy and empowerment. David helps first-time buyers understand that fear isn't failure — it's just lack of information.Referenced Episodes388 - The Playbook VOL. 1 - The Rent Replacement Strategy389 - The Playbook VOL. 2: Your Last Lease Ever382 - 2025 Crucial Housing Market Shift Pt 1: Rates383 - 2025 Crucial Housing Market Shift Pt 2: Sales, Inventory & Affordability384 - 2025 Crucial Housing Market Shift Pt 3: Rent Math & Buying Power98 - Time for A New Game Plan To Buy Your First Home – My Story355 - Real Answers Pt 4: Should I Rent or Buy in 2025?OFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Welcome to the official starting point of How to Buy a Home.If you're ready to stop renting but don't know where to start, this is your map. In this episode, David Sidoni introduces the 10 Steps System — the complete homebuying education plan trusted by first-time buyers across the U.S. You won't learn every step today — this episode is your orientation.David explains how the system works, what you'll learn in the episodes ahead, and how to start preparing right now with three simple, actionable steps you can take today. Buying your first home can feel impossible. You've got questions — How much money do I need? What about my credit? When should I even start? That's exactly why this series exists. In this reboot of How to Buy a Home's signature 10 Steps System, David lays out the roadmap that gives you the clarity, structure, and confidence you've been missing. This episode is the introduction — the foundation for the ten educational episodes that follow. You'll hear how the system works, what each step will cover, and why this is the most trusted guide for first-time buyers today. Over the next ten episodes, David will walk you through everything: How to set your goals and build your teamHow to improve your credit and manage debtHow to save for your down paymentHow to find the right home and navigate the current market By the end of this short intro, you'll know exactly where to begin — and leave with three real-world actions to get you started today, even if you're still renting or just starting your research. This isn't another quick tip podcast — it's your step-by-step education plan to finally buy your first home with confidence. “By the end of this, I'm going to give you three action steps that you can start today — yeah, progress immediately.” Highlights: Learn how the 10 Steps System works — and why it's the most trusted first-time buyer framework in the U.S.Understand what each of the 10 steps will teach you in future episodes.Find out when and how to start your homebuying prep — even if you're not financially ready yet.Discover how HBH helps you educate, protect, and connect with qualified professionals.Updated for 2025–2026 — real guidance for today's market conditions.Take three simple action steps before the next episode to start your journey. Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

It's time for our monthly ‘The Situation' consumer Q&A — where Davin puts your real estate questions to John. This month, Steve wants to know why his fairly priced condo isn't selling and what he can do beyond lowering the price. Susan is considering buying a home with her sister to share costs and gain exposure to real estate, and asks about the pros and risks. And Anwar wonders how “too low for too long” interest rates shaped today's housing market — and why mortgage payments aren't part of Canada's inflation measure. If you would like to send in your question to be considered for a future episode, please email askjohn@movesmartly.com If you have a real estate situation you would like to discuss with John in private, please connect with John at movesmartly.com/meetjohn Connect with Us John Pasalis, President and Broker, Realosophy Realty, Toronto | Email: askjohn@movesmartly.com | Twitter: @JohnPasalis About This Show The Move Smartly show is co-hosted by Urmi Desai, Editor of Move Smartly, and John Pasalis, President and Broker of Realosophy Realty. MoveSmartly.com and its media channels on YouTube and various podcast platforms are powered by Realosophy Realty in Toronto, Canada. You can also watch this and every podcast episode on our MoveSmartly YouTube channel here: https://www.youtube.com/movesmartly If you enjoy our show and find it useful, please subscribe and leave us a positive rating on whatever platform you are watching or listening to us from - thank you!

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Follow us on a treasure hunt to find funds for buying or repairing a home or achieving other life dreams. Uncover money you didn't know you have. Explore bargain methods to get repairs done with the least costs. (Take some tips for Santa too)

Welcome to the final episode in our 3 part mini series with mortgage broker, Kobe Clarke-Jacobs. In this final instalment we're debunking how a change in income or circumstances changes and impacts your ability to buy a home. Whether you're planning on going on parental leave, taking a pay cut or changing jobs or industries, you'll find all the home loan insights you need in this nifty ep. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

Saving for a property can feel overwhelming, but having a clear plan (and knowing your numbers) makes all the difference. In this clip from episode 822b of the money money money podcast, Glen James, John Pidgeon and Rachelle Kroon chat about what steps to take—whether you're a year out or just getting started.This audio is from a clip on the money money money YouTube channel: https://youtu.be/26d_QQlAd5cmoney money money is proudly brought to you by Sphere Home Loans. No matter where you are in Australia, their team is ready to assist with your mortgage needs—whether you're purchasing a home, investing in property, or looking to refinance.Sphere Home Loans: https://www.spherehomeloans.com.au/Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://amzn.to/4dE11aiWe hate email spam so we don't create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/Need a system to manage your money? Check out the free Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-planThis video is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment video as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this video. SYMO interactive Pty Ltd, the publisher of the video, is an authorised representative of MoneySherpa Pty Ltd (as is Glen James) which holds financial services licence 451289. Please read our Financial Services Guide located at moneypodcast.com.au. This video is intended for residents of Australia.Intro theme:"Coal" by HartleyLicensed via Shutterstock Music – royalty-free, commercial use permitted.Community Segment Theme:"Tuscan" by Geoffrey JerrellLicensed via Shutterstock Music – royalty-free, commercial use permitted.Midroll Advice Segment:"Sunset Paradise Pop" by Lesion XLicensed via Pixabay Music – royalty-free for commercial use.Outro Music:"Photograph" by nomaBeatsLicensed via Pixabay Music – royalty-free for commercial use.No copyright infringement intended. All music used under appropriate commercial licences. Hosted on Acast. See acast.com/privacy for more information.

In this episode we're debunking the myth that it's too hard to buy property if you're self employed, freelance or run your own business. Mortgage broker and friend of the pod Kobe Clarke-Jacobs breaks down what you need to know, how lending works for self employed earners, and why you don't need to buy into the lie that it's too hard to borrow. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

According to the CSO yesterday, Irish house prices are continuing to rise. One morgage advisor says that many locals are being priced out of their home towns. John Cooke speaks to people on the streets of Limerick. Also David Brock of Brock Delappe Estate Agents and Don Colleran, Owner of Colleran Auctioneers in Galway spoke to Cormac.

Welcome to a hot new little mini series with mortgage broker, Kobe Clarke-Jacobs, where we debunk the reasons you might think you can't buy a home, and break down how we go about buying if we're in some of those scenarios. First up: we're looking at you, single pringles. Buying solo gets a bad rap, but it's absolutely possible, and in this episode, Kobe explains how. Where to find Kobe: Instagram: @financewithkobe TikTok: https://www.tiktok.com/@financewithkobe Website: https://financewithkobe.com.au/ See omnystudio.com/listener for privacy information.

Scott Hrabcack of Hannah Commercial Real Estate looks at the local landscape and how the market is doing in Columbus

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Housing prices are at record highs, leaving many parents wondering: “How will my kids ever be able to afford a home?”In this episode of The Agent of Wealth Podcast, host Marc Bautis explores how parents can help their adult children buy a home without jeopardizing their own financial future. He breaks down four common strategies, explains the tax and planning implications of each, and shares how to approach the conversation with your family.In this episode, you will learn:How gifting a down payment works, including 2025 gift tax rules and limits.What's involved in setting up an intra-family loan – and how to keep it IRS-compliant.The risks and responsibilities of co-signing a mortgage.How buying a home and renting it to your child can benefit both parties.Alternative approaches such as shared equity agreements and covering ongoing costs.Why open and honest communication is the most important part of any plan.And more!Resources:Episode Transcript & Blog | Episode 164 - How Families Can Balance Paying For College And Saving for Retirement | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call

Baselane: Work smarter, not harder. Sign up at baselane.com/iced for a 30-day trial of Baselane Smart, and get a $100 cash bonus when you fund your account. #Baselane #PoweredbyBaselaneSmart (offer details below) Oracle: Right now, with zero commitment, try OCI for free at https://oracle.com/iced Noble Gold: Get your FREE Gold & Silver Guide at https://noblegoldinvestments.com/iced/ Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Offer details: Only new Baselane banking customers are eligible. To qualify, deposit $500 into your Baselane Business Deposit account and maintain this balance for 30 days before 12/31/2025. Once the requirement is met, the $100 bonus will be paid within 30 days. See details at www.baselane.com/100-cash-bonus/. Follow Pace Morby: On Instagram - https://www.instagram.com/pacemorby/ On Youtube - https://www.youtube.com/@PaceMorby On Facebook - https://www.facebook.com/pacemorby/ Website - https://pacemorby.com/ Apply for The Index Membership: https://entertheindex.com/ Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:05 - How many units do you own 00:04:23 - Real estate outlook (10 years) 00:13:13 - Future of the housing market 00:16:49 - Sponsor - Baselane 00:18:13 - What makes a retail investor? 00:36:45 - Sponsor - OCI 00:37:47 - Worst deal ever 00:50:29 - Where investors should put money now 00:54:54 - Avoiding rent control 01:00:13 - Best deal in past year 01:01:33 - Can you finance anything creatively 01:02:39 - Sponsor - Noble Gold 01:03:34 - Sponsor - Shopify 01:05:04 - Thoughts on the economy 01:06:51 - Who's most at risk from AI 01:16:04 - Properties you plan to buy next year 01:16:59 - Worst creative finance loss 01:17:27 - What could wipe you out 01:19:53 - Best areas to buy today 01:21:24 - How much debt Pace Morby has 01:25:46 - What's holding people back 01:31:09 - When did you first feel rich 01:32:26 - Does money buy happiness 01:33:30 - Worst ROI purchases *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The coalition's confident allowing certain wealthy foreign buyers to buy a home won't drive up house prices. It's agreed to pass changes, allowing people on an Active Investor Plus visa to buy or build one home in New Zealand - worth a minimum of $5 million. The visa requires an additional investment of at least $5 million, on top of the price of the home. Newstalk ZB senior political correspondent Barry Soper says these changes make sense for investors. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Mortgage rates are high, housing is expensive, and many Americans feel stuck with payments that stretch their budgets. We unpack your options: from lender rate modifications and mortgage recasting to refinancing opportunities and house hacking strategies. Plus, we share why your home should be viewed as a use asset - not your retirement plan. Then we answer your financial questions on housing and a whole lot more. ⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Think you need 20% down to buy a house? Or that your credit score has to be perfect? Not so fast. In this episode of Go Gaddis Real Estate Radio, we're separating fact from fiction when it comes to getting a mortgage. Whether you're a first-time buyer, thinking about refinancing, or simply curious about what it takes to qualify, this conversation could change the way you look at home financing. Joining me is our Expert Advisor, Matthew Scout, Vice President and Executive Mortgage Loan Originator with Southeast Mortgage. Together, we'll dig into: Fact vs. Fiction: The truth about down payment requirements, credit score minimums, and income qualifications. We'll bust the myths that keep too many buyers sitting on the sidelines. Market Timing: With interest rates bouncing up and down, is now the right moment to buy or refinance—or should you wait? Matthew shares the data and insight to help you decide. Step-by-Step Guidance: From pre-approval to keys in hand, we'll walk through the process so you know exactly what to expect. You'll also hear the biggest mistakes to avoid along the way. At Go Gaddis Real Estate Radio, our mission is to help you go from real estate novice to expert so you can buy or sell a home with total confidence—and without the stress that comes with life's biggest investments. We believe you should never learn something at or after closing that you could have known beforehand. And remember, with our programs, you get all the upside and all the options to make your next move your best one yet.

In this episode of the Real Estate Pro Show, host Erika interviews Bobby Bush, a certified master home inspector. Bobby shares his journey into the home inspection industry, emphasizing the importance of same-day inspections and the common issues he encounters in homes, particularly in South Carolina. He addresses misconceptions about home inspections, recounts real-life inspection stories, and discusses his future plans for scaling Eagle Eye Home Inspection.    Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro

In this episode of the Real Estate Pros podcast, Kristen Knapp interviews Sava Shqutaj, VP at Hoot Home Loans and VS Capital Group. They discuss Sava's journey into the real estate market, her experiences with investing in properties both in the US and abroad, particularly in Dubai, and the current trends in home ownership and lending. Sava shares valuable insights for first-time home buyers and emphasizes the importance of having the right team and understanding the market dynamics. She also introduces Hoot Home Loans and its unique approach to lending, highlighting the benefits of working with a broker. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode, Jarrett dives into how everything changes when you're on a Bitcoin standard ie everything becomes radically cheaper -- including real estate. This episode explores how $41k in Bitcoin today will be able to buy you a home by the end of the decade!Jarrett's X post - https://x.com/jcrpntr/status/1950330156733911138Future Signal is a podcast hosted and produced by Jarrett Carpenter that explores tomorrow's tech today.All of Future Signal's content is not financial advice but rather edu-tainment. All of our episodes are available here on YT as well as wherever you listen to podcasts.Follow us on Social Media :X - https://www.twitter.com/futuresignalxyzInstagram - https://www.instagram.com/futuresignalxyz/Facebook - https://www.facebook.com/futuresignalxyzLinkedIn - https://www.linkedin.com/company/future-signal-xyz/Twitch - https://www.twitch.tv/futuresignalxyzFor more info on the podcast, please check out https://www.futuresignal.xyz/Episode's music by @Txmmy_Beats - https://www.youtube.com/c/TxmmyBeatsTo learn more about Future Signal's Host - https://www.jarrettcarpenter.com/

Discover why most financial advisors aren't trained—or even allowed—to guide you through the biggest wealth-building decision of your life: buying a home. Author and former financial advisor Brady Mullen joins CPA Dan Mullen to explain how real estate plays a critical role in long-term wealth, and why it's often ignored by the people we trust for financial advice.In this episode, David sits down with brothers Brady and Dan Mullen, authors of Real Decisions: The Financial Impact of Renting and Owning. Brady, a former financial advisor, and Dan, a CPA specializing in real estate tax, share what they learned about the enormous—but often overlooked—financial power of homeownership.They explain why real estate is usually left out of “holistic” financial planning, how renting compares to owning over time, and why most homebuyers are left to figure out these massive decisions alone. The Mullen brothers share insights on tax advantages, inflation protection, and how your first mortgage payment will be the worst one you ever make (yes, that's good news). This is a must-listen episode for anyone who's been told that renting is the smarter choice.Quote"You can buy 30 years of shelter at today's prices—and the bank will give you a loan to do it." – Brady MullenHighlightsWhy financial advisors can't give you real estate adviceThe financial industry's blind spot when it comes to shelterThe difference between being sold real estate and being educated about itHow landlords pass hidden costs onto rentersWhy renting might seem cheaper—but costs more over timeUnderstanding inflation and your mortgage as a financial toolThe truth about maintenance, taxes, and “rent being easier”How owning gives you control over your housing costsWhy your first mortgage payment is your most expensive—and what happens afterReal estate's role in building long-term net worthConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Happy Tuesday! It's time for another episode of Ask Rob & Rob, where we dive into your property questions.     (0:47) Sam's eager to renovate his buy-to-let to boost its value and potentially increase the rent. But with upcoming rental reforms, especially the end of no-fault evictions and tribunals for rent disputes, he wants to know what rights he'll have if a tenant refuses improvements to avoid a rent increase.  (3:18) Tom's expecting to get £200k from a future property sale. He originally planned to buy a family home and invest in a buy-to-let through a limited company. But he's now debating ditching homeownership entirely, using the full pot to build a portfolio, and possibly living in one of the company-owned properties. He asks Rob & Rob for their take on the strategy and whether there are any pitfalls.  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Send us your question by calling us on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply) or click here to leave a recording via your computer instead.  Find out more about Property Hub Invest 

Chapters: 00:00- Preview 00:46-Intro 01:25-What you don't know about mortgage brokers 04:48-Expectations people have about financing a home 09:19-the debts that most people are carrying 12:27-The 4 basic steps to wealth 15:30-Buying power examples 23:01-Do mortgage calculators work? 25:30-Buyers remorse 33:40-expenses: renting vs. owning 37:35-Buying for investment vs. primary residence 41:28-How much down payment do you REALLY need? 45:45-When housing inventory will SPIKE in the Bay Area 51:05-What the average Bay Area family can afford 54:55-Different home loans and their strategies 59:12-Is a 15-yr mortgage better? 1:04:12-What are reverse mortgages 1:16:38-How will Trump's policies affect the interest rates? 1:22:30-ways to cover closing costs 1:29:11-Which homes appreciate the fastest

Big changes are coming to homeownership under the Trump administration, and they could be a game-changer for first-time buyers. In a conversation with Heartland Home Mortgage's Dave Galloway, we break down the new policy allowing rent payments to count toward mortgage qualification—finally rewarding financial responsibility without requiring credit card debt. Backed by housing advisor Bill Pulte, this move aims to open the doors for more Americans, especially younger buyers and those following debt-free principles like Dave Ramsey's. We also touch on the possible privatization of Fannie and Freddie, how new scoring models could simplify loan approvals, and why down payment assistance programs are making homeownership more accessible than ever. Whether you're buying your first home or refinancing, Dave offers practical insights on rates, smart lending strategies, and why now might be the perfect time to make your move.Get the stories from today's show in THE STACK: https://justinbarclay.comKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

With interest rates hovering around 7% and home prices averaging over $440,000, homeownership feels impossible for many young buyers. But in this episode, Mikey Taylor reveals a game changing strategy: House Hacking 2.0, that could turn that belief upside down.In this solo episode, Mikey dives into:How he “accidentally” house hacked 20 years agoWhy renting to strangers beats renting to friends (and how to avoid roommate drama)Real-life example: A $457K home in Phoenix with only $420/mo out-of-pocket costsHow platforms like PadSplit could make this a turnkey playUsing FHA loans with as little as 3.5% downBuilding credit young so you can buy fasterThe mindset shift you must make to win in today's real estate gameIf you're in your 20s or 30s and dreaming of owning property, this is a must-know strategy.The content of this video (“Video”) is for informational purposes only, is not offered as investment advice and should not be deemed as investment advice, and reflects the opinions and projections of COMMUNE as of the date of publication, which are subject to change without notice at any time subsequent to the date of issue. COMMUNE does not represent or warrant that the information presented in this Video is accurate, current, or complete or that the estimates, opinions, projections or assumptions made in the Video will prove to be accurate or realized.Certain information contained herein may be derived from third party sources and has not been independently verified. COMMUNE has not and will not independently verify this information. Where such sources include opinions and projections, such opinions and projections should be ascribed only to the applicable third party source and not to COMMUNE.Certain statements reflect projections or expectations of future financial or economic performance of the project. Such “forward-looking” statements are based on various assumptions, which assumptions may not prove to be correct. Accordingly, there can be no assurance that such assumptions and statements will accurately predict future events or the project's actual performance. Past performance is not an indication of future results. No representations or warranties are made by the Commune Capital, LLC or any other person or entity as to the future profitability of investments discussed or the results of making an investment.This Video does not constitute an offer to invest and such offer will only be made by means of a confidential offering document that should be carefully reviewed before determining whether to invest. As with any investment there is a risk of loss, including up to the amount of investment.

Wondering how much house you can actually afford? Forget what the bank tells you. Lenders base your mortgage approval on outdated debt-to-income ratios that ignore your real life—and that's exactly how people end up house-poor. In this video, we break down the most accurate and financially sustainable way to calculate home affordability using a smarter method: the 25% rule.Instead of relying on gross income or bank pre-approvals, we show you how to determine your home buying budget based on take-home pay—the money that actually hits your bank account. Our rule of thumb: Your monthly mortgage payment, PMI, homeowner's insurance, and HOA fees should never exceed 25% of your net income. This ensures you still have room for retirement savings, emergencies, vacations, and everyday living—without sacrificing your future.We'll walk you through:o Why traditional mortgage advice is flawedo The hidden dangers of lender-approved debt ratioso The full breakdown of housing costs (and which ones matter most)o How to budget for maintenance, taxes, and unpredictable repairso A real-world case study to show how this plays out in actual numberso Whether you should buy at all—or if renting and investing might be the better moveWhether you're a first-time homebuyer, someone relocating, or trying to figure out if it's finally time to stop renting, this episode gives you real numbers, honest insights, and zero sales fluff.Ready to stop guessing and start planning? Check out this episode before you make a home-buying decision that locks up your income for decades.Don't become house-poor. Buy smart. Live free.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success

Join the conversation by letting us know what you think about the episode!How many times have you joked with your friends about buying that big vacation house on the beach or about living together in your retirement a la The Golden Girls? It doesn't have to be a joke. For many people, it's a realistic solution to housing affordability and loneliness crises. This week's guests Amy McKenna, a managing broker of Windermere Real Estate Company, and Ruby Grynberg, Branch Manager at Salmon Bay Community Lending, talk to us about how cohousing can (with a bit of planning) be the perfect solution for you and your friends.Amy McKenna (managing broker at Windermere Real Estate Company) and Ruby Grynberg (Branch Manager of Salmon Bay Community Lending) created “CoHome” - a community platform for education and connection because they saw a yearning for ingrained community and more affordable housing and at the same time a feeling of helplessness about how to attain them.Mentioned in this episode:Link to The Seattle Times article - 52996289_1.pdfWhere to find Amy McKenna and Ruby Grynberg:CoHomeWebsite: www.CoHome.Community Amy McKennaWebsite: www.AmyMcKennaHomes.comEmail: McKenna@windermere.comPhone: 206-304-2400Instagram: @AmyMcKennaHomesLinkedIn: https://www.linkedin.com/in/amymckennahomes/  Ruby GrynbergWebsite: https://salmonbaylending.com/Email: ruby@salmonbaylending.com Phone: 206-214-5575Instagram: https://www.instagram.com/salmonbaylending/?hl=enFacebook: https://www.facebook.com/salmonbaylending/Support the showBe part of the conversation by sharing your thoughts about this episode, what you may have learned, how the conversation affected you. You can reach Raquel and Jennifer on IG @madnesscafepodcast or by email at madnesscafepodcast@gmail.com.Share the episode with a friend and have your own conversation. And don't forget to rate and review the show wherever you listen!Thanks!

Thinking of buying property in Israel? Get ready for a wild ride. From off-plan pricing surprises to second-hand sticker shock, the Israeli housing market is anything but predictable, especially if you're trying to manage it from abroad. Doug Goldstein teams up with Debbie Goldfischer, Founder and CEO of Buyitinisrael.com and host of the popular podcast On The House, to break it all down. This episode is packed with smart tips, clear explanations, and the critical info every cross-border buyer should hear before making a move. If you're making Aliya, eyeing an investment, or just trying to figure out where to hang your hat long-term, this conversation will help you steer clear of stress and financial setbacks. Key takeaways:
 Get clear on the trade-offs between off-plan and second-hand properties
Learn how the construction index could blow up your budget if you're not prepared
Know when working with an agent is a must and when to go it alone Want help figuring out your next move? Schedule a free Cross-Border Financial Evaluation to see how we can help you buy smart and invest wisely in Israel.

When Father Dennis Lewis was assigned to St. Michael’s parish in Milwaukee, he discovered a growing number of Hmong and Laotians seeking refuge from the Vietnam War. Many were subjected to a terrible slumlord and so Father decided to start a homebuying ministry that helped coach them through the process. 33 years later, Acts Housing has helped 4,000 low-income families purchase homes!Support the show: https://www.normalfolks.us/premiumSee omnystudio.com/listener for privacy information.

When Father Dennis Lewis was assigned to St. Michael’s parish in Milwaukee, he discovered a growing number of Hmong and Laotians seeking refuge from the Vietnam War. Many were subjected to a terrible slumlord and so Father decided to start a homebuying ministry that helped coach them through the process. 33 years later, Acts Housing has helped 4,000 low-income families purchase homes!Support the show: https://www.normalfolks.us/premiumSee omnystudio.com/listener for privacy information.

Is owning a home still the ultimate goal, or are there smarter, more flexible alternatives in today's fast-changing world?This week on The Bridge, the guests debate about one of the most talked-about life decisions in a GenZ's life today: to buy a home or rent, with perspectives from seasoned business leaders and the next generation of entrepreneurs.On one side, we have industry veterans Aseem Dhru (MD & CEO of SBFC Finance Ltd.), and Luis Miranda (Former Bank Treasurer at HDFC and Ex-CEO of IDFC), who share their views on the financial and emotional implications of homeownership, and why, in some cases, it may still be a solid investment.On the other side, we hear from young trailblazers Ishan Gulati (Chief of Staff to the CEO at Rebel Foods), and Arshi Gupta (Senior Associate, Investments at Singularity AMC) who provide fresh insights on how they're rethinking traditional paths to financial stability and whether owning property still makes sense in an increasingly mobile world.In this episode, we dive into:The emotional, financial, and practical considerations of owning versus renting a home.How shifting economic landscapes and new technologies are changing what it means to “settle down.”What today's young professionals really think about homeownership.Don't miss this candid conversation that explores one of the most significant decisions of our lives.

It's apparently a hot new trend in home buying. Gen Z brothers and sisters going in together on purchasing a house and living there together. What could go wrong, what you should and should not do when buying a home with a sibling? We'll let you know, this afternoon on the Jon Sanchez Show at 3pm.

"About 9 out of 10 millennials say they want to be homeowners... but buying a home the right way isn't so simple." In this episode, Jaspreet Singh flips the script on the American Dream and lays out 5 clear reasons why you should NOT buy a home, at least not yet: You don't have enough savings for emergencies You can't afford a real 20% down payment Your monthly mortgage would eat up your whole paycheck You're buying a home to "get rich" instead of to live in You're simply not ready to be a homeowner This isn't about hating homeownership, it's about doing it smart. Jaspreet shares personal real estate stories, money traps to avoid, and why buying too soon could cost you more than just money. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

When newlyweds Chantal and Travis Lisback started searching for their dream home in Seattle, they weren't entirely on the same page. Chantal was eager to settle down as soon as possible, while Travis was more comfortable waiting a few years. As the search dragged on, what began as a shared dream started to feel more like a standoff. This week, a story about how a big life decision can bring to light the money and communication issues you didn't know were there. Plus, later in the episode, Chantal and Travis sit down with financial therapist Aja Evans to unpack what's happening beneath the surface, and how to approach money fights with more care and intention. If you liked this episode, share it with a friend!

When newlyweds Chantal and Travis Lisback started searching for their dream home in Seattle, they weren't entirely on the same page. Chantal was eager to settle down as soon as possible, while Travis was more comfortable waiting a few years. As the search dragged on, what began as a shared dream started to feel more like a standoff. This week, a story about how a big life decision can bring to light the money and communication issues you didn't know were there. Plus, later in the episode, Chantal and Travis sit down with financial therapist Aja Evans to unpack what's happening beneath the surface, and how to approach money fights with more care and intention. If you liked this episode, share it with a friend!

On this episode of The Table with Anthony ONeal, we're doing something special..we're answering YOUR questions! That's right! We're launching a powerful new segment where members of our E3 family call in to ask their real-life money questions, and get practical, real-time answers. If you're navigating debt, budgeting, or building wealth, these conversations are designed to not only help the caller, but also empower you with guidance that applies to your own financial journey. So don't just watch...call in, get your questions answered, and let's grow together on this wealth-building journey!☎️ Ask AO: (771)-224-8131(leave a 60 sec. voice message)▶️ Watch the full episode here: https://youtu.be/LMsfhk1s8wsMentioned On Today's Show:**This show is sponsored and brought to you by Kikoff!**

Struggling with student loans, self-employment, or just not knowing where to start? JT shares the top three things he wishes he'd done sooner to get closer to buying a home. This episode is hosted by JT, the Creative Director of How to Buy a Home—and an aspiring buyer himself. After editing over 100 episodes, he realized there were a few major steps he should've started years ago. Whether you're a renter with debt, inconsistent income, or no idea where to begin, JT walks you through how credit repair, savings automation, and practicing your payment can completely reshape your timeline.This is the perfect episode for anyone who's not quite ready to buy—but knows they want to be. JT's honesty and step-by-step reflection will resonate especially with:• Freelancers or self-employed buyers• Renters with debt or uneven income• Anyone overwhelmed by where to startIt's a deeply personal, no-fluff solo episode that captures the real mindset of a buyer-in-progress—offering both relatable struggles and practical next steps.Quote:“I didn't think this podcast was for someone like me. And after hundreds of episodes, I finally realized—maybe I can do this.” — JT, Episode 342Highlights:What's holding you back—credit score, debt, income type, or all three?How becoming an authorized user can boost your credit fastWhy automating savings—even in small amounts—creates long-term peace of mindHow “practicing your mortgage payment” builds confidence and creates optionsWhy starting these habits 6–12 months before you're “ready” changes everythingHow JT turned podcast lessons into an actual plan for future homeownershipReferenced Episodes:Episode 274 – JT's earlier homebuying mindsetEpisodes 301–310 – Starter Kit SeriesEpisode 303 – Credit, Debt & Financial PrepEpisodes 339–340 – Lender Strategy with Kelly CortEpisode 337 & 338 – How to Avoid Moving ScamsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Is owning a home still a good investment? What are the 5 most important topics to cover when meeting with someone for financial guidance? Wes and Christa cut through the noise to explore these issues and answer listener questions, including: • Explore the pros and cons of that homeownership question, housing as a long-term investment, and why it still matters. Learn why housing may serve as forced savings, inflation protection, and a path to mortgage-free retirement. • Analyze the impact of housing market volatility and interest rates. Understand current trends in housing prices and mortgage rates, and what they could mean for your financial decisions. • Decode the use of leverage in real estate to help build wealth. Discover how a modest down payment on a home might lead to a significant long-term return compared to methods constricted by contribution limits. • Evaluate the 4% Rule of thumb. Is it still relevant? How can folks adjust withdrawal rates based on their retirement horizon? Get clarity on how long your money may last if your retirement timeline is 20 or 25 years instead of 30. • Unpack static vs. inflation-adjusted retirement withdrawals. Hear Wes explain the real-world math behind lower-risk withdrawal strategies in retirement. • Contrast investing in ETFs vs. individual stocks in a brokerage account. Weigh the pros and cons regarding diversification, tax-loss harvesting, and ease of rebalancing. • Where can you keep your down payment more protected until you're ready to buy? Learn some productive options for short-term savings, including money market funds vs. CDs, and the risks of flying too close to the sun. • What are the 5 questions you must ask any financial planner when meeting with them? Discover Wes's Five P's Framework: Planning, Portfolio, Protection, Passing It On, and Paying Yourself (and your taxes). • Why are core pursuits essential for a happy retirement? Understand how personal passions contribute to a fulfilling life after work—and how to fund them. • Is it worth moving funds from a 457(b) plan to an IRA? Explore the trade-offs between investment flexibility and creditor protection in retirement plans. • Should you sell your home before moving overseas in retirement? Delve into guidance for retirees considering international living. • Examine the most effective S&P 500 funds for your goals. Understand cost differences, tax structures, and platform integration for index fund investing. • Why do convenience, safety, and cost matter when picking a financial platform? Break down final thoughts on choosing where to house your investments and manage charitable giving.

Learn what rising delinquencies mean for your finances, plus how to decide if you're truly ready to buy your first home. What happens if you fall behind on your loan or credit card payments? How much do you actually need to buy a house? Hosts Sean Pyles and Elizabeth Ayoola discuss rising debt delinquencies and first-time homebuying realities to help you protect your credit and avoid costly financial missteps. Joined by NerdWallet senior news writer Anna Helhoski, they begin with a discussion of climbing delinquency rates across student loans, credit cards, auto loans, and government-backed mortgages, with tips and tricks on how to spot trouble early, prioritize which bills to pay first, and avoid risky quick-fix debt solutions. Then, mortgage Nerd Abby Badach Doyle joins Sean and Elizabeth to discuss what it takes to buy a home for the first time. They discuss how much you actually need for a down payment, what to expect with closing costs, and smart alternatives to tapping your 401(k). You'll also hear the pros and cons of renting versus buying, why assembling a strong homebuying “squad” matters, and how to find down payment assistance that could make homeownership more realistic — even in today's high-cost housing market. Use NerdWallet's free home affordability calculator to see how far your homebuying budget could take you: https://www.nerdwallet.com/calculator/how-much-house-can-i-afford  Learn how a first-time home buyer class can help you find grants, down payment assistance and a lower monthly payment: https://www.nerdwallet.com/article/mortgages/first-time-home-buyer-class  In their conversation, the Nerds discuss: debt delinquencies, student loan default, FHA loan delinquency, auto loan delinquency, mortgage delinquencies, government loans vs conventional loans, student loan wage garnishment, rising credit card debt, prioritizing debt payments, what is PMI, down payment assistance programs, 401k loan for house, using IRA to buy home, renting vs buying a home, how much to put down on a house, closing costs explained, first time homebuyer loans, home affordability calculator, 28/36 rule mortgage, credit score for mortgage, PMI removal, VA loans, FHA loan requirements, USDA mortgage, best mortgage for first-time buyer, first-time homebuyer class, home buying on tight budget, mortgage broker vs lender, emotional readiness to buy a house, how to get rid of PMI, renting benefits, first-time homebuyer grants, how to avoid default, homebuying myths, home equity, and down payment myths. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

On this episode of The Table with Anthony O'Neal, we're excited to welcome back the real estate pros from Coalition Properties Group! These experts consistently bring the heat, showing how everyday people can build generational wealth through real estate. This time, they're breaking down real, actionable strategies to help buyers secure homes today—with little to no closing costs. They're also debunking common housing market myths and proving why now is still a smart time to buy. Whether you're purchasing your first home or growing your investment portfolio, this legacy-shifting conversation will give you the tools you need to win. So grab your notebook, take action, and let's get to work!Mentioned On Today's Show:**This show is sponsored and brought to you by Kikoff!**