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How We Saved $165,000 to Buy Our First House!!

Debt Free Millennials 29 views

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you are so KUDDOS! love this
Comment from : @jedidahbintidaudi8241

Hell yea
Comment from : @rentedduckliing

She is hot
Comment from : @EricMoore790

I quit my cocaine habit to save for my down payment It only took a few months After I bought the house, I started my habit back up again I'll stop when I can no longer afford to make the payments
Comment from : @untouchable360x

Buy a house outright for $165k and fix it up the interest and principal saves goes right towards your own retirement fund Sounds like someone needs/desires too much house
Comment from : @callmeishmaelk767

The lifesaver here is hubby makes a good living 😂
Comment from : @callmeishmaelk767

Existing binds crash as interest rates go up
Comment from : @callmeishmaelk767

Oh God, you have invested in bonds You need to do more research on the monetary system before giving people advice on YouTube
Comment from : @callmeishmaelk767

Man you guys put up some serious cash! You just killed my analysis paralysis I was so doubting about investing my savings but the bonds is such a good idea $100k is the mountain of a goal
Comment from : @Jerome-m9j

u gotta thank ur husband everyday for that progress
Comment from : @wakeyourazzup

Awesome work I'm trying to do that as well
Comment from : @GroovyChic868

The Patience is more impressive than the total in todays instant gratification world Saves for 6 years? Many people can't save for 6 months!
Comment from : @Steve_Takes

Once each of our kids roll out of daycare and into Public school, we’re planning to save the equivalent of that daycare payment into high-yield savings account, brokerage accounts, and 529(s) In the meantime, direct deposit splits right into savings keeps things simple
Comment from : @AaronHope_Sow

still don't understand why you've kept this money in a HYSA and bond index Even your vanguard settlement account has had a higher yield than the Ally HYSA and bond index Treasuries are not subject to state and local taxes, so that would have been hugely beneficial in CA, but also in CO compared to both bond index and HYSA
Comment from : @hanwagu9967

PNB bank and some other banks if u search are paying 45 interest on savings accounts Any comments
Comment from : @Mike-kg3hd

Lol wow What did you buy a million dollar house? I am a vet and used my VA loan to get a house for over 400k for just 5k down 35 interest rate And no property taxes due to vet disability status
Comment from : @fortgrove3166

I love you videos They are good for generation below and above millennial, and always wonder if you would expand by changing your name
Comment from : @k4hdr5

I appreciate you sharing your story
Comment from : @andrewnewton2752

Now that Treasury Bill rates are in the 5 - 55 apy range, have you considered using them? You can earn close to $9k in a year off that $165k You can get them at all major brokerages You live in CA, they exempt from state taxes
Comment from : @mikealonsophoto

Thank you for sharing your experience I’m also trying to save for our first house
Comment from : @dusq123

while you saved that 165k for a home home prices went up 200k lets hope not but just seems like that is how things work
Comment from : @MrUpier

We’re in Colorado Springs (in the Stetson Hills area), moved here also from LA, and were so lucky to purchase in 2017 before the prices rose Our house is now worth over 15x the price at which we purchased But your $ will go so much further here than in Southern California! Wishing you the best of luck in your future plans, and our town would be lucky to have you!
Comment from : @strawmary580

Lifestyle creep can definitely get you!
Comment from : @ChicagoBudgets

Congratulations!! This is a huge step for you and your family We recently, last year, moved to Colorado Springs and purchased our first home It was a huge accomplishment, but we did learn A LOT! Colorado is great for raising families, we live more towards the Briargate, northern Springs area In hindsight, we wished we would have purchased a new home, and/or walked through our home ourselves Being military, we had our realtor walk through for us via video I do not advise I don't want to clog your feed with unsolicited advice, but I am definitely open if you have any questions!! I am very excited for you guys :)
Comment from : @AshleySurvillion

The main thing is getting out of debt, maintaining a budget that works, saving some money and living below your means We have our mortgage paid off and have reduced our expenses almost to the bone We have resisted selling off items we have that could get us some money but now I think we are ready and will sell off some stuff that will allow us to pay for one of our home improvement projects outside of our budget savings
Comment from : @thomaschew2191

You two are killing it!
Comment from : @thomaschew2191

That is a really Awesome Milestone! 🎉 it took me several years to save $40,000 Congratulations!!
Comment from : @robertmorris2576

I wonder if you missed out on opportunity value that you missed out on equity if you bought a house a year ago Even without having 20 down, you could have had a higher net value had you done so
Comment from : @camcam3087

But Would it theoretically have been better to buy a house in 2020 with a 3ish interest rate and lower price with much less of a down payment…? (I know we can’t predict the future and hindsight is 20/20 lol)
Comment from : @JC-wc1bs

Great video, two questions, what is both of your ages and how long have you been married?
Comment from : @dannyheroic

The vanguard settlement account is paying almost 5 right now
Comment from : @fxdnny

Hey Justine 😊 Well, I live in France so it might be a little bit different but all in all we are following the same path as you saving as much as we can for a downpaiement; we started last august on a 45K€ goal ( $50K) in 2 years with an annual household income of 65K€ In France you need a minimum of 10 of the price of the house as a down paiement and we are aiming for a 400K€ house maybe a bit more if possible! I agree it's taking a lot a work and rigor but it's sooo worth it and I can't wait to find the house of our dreams! We are currently sitting at 16K€ since August so for now we are doing well i think I just hope we can keep it up for as long as we need to without any major hiccup on our way I'm so excited for you to finally find your dream house and settle in a new countryside life 😊 thx for all your advice;even though we don't live in the same country most of the principles still apply! Xoxo
Comment from : @baboodjet7652

New sub i love u
Comment from : @amycolucci6769

Thank you for sharing! Congrats on hitting this milestone! I’m saving too but as you pointed out in the video, inflation has bit into my ability to save even more But it’s alright, I’m still hitting my own goals too! Thanks for the motivation!
Comment from : @HeyitsMarioDiaz