Most buyers obsess over interest rates—but this episode reveals why waiting for the “perfect rate” might cost you far more than you think. In part two of the “Top 20 Most Frequently Asked Questions” series, this episode dives into one of the biggest fears first-time buyers face: today’s interest rates. David Sidoni tackles the myth that 3–4% mortgage rates will return and explains why waiting could backfire. You’ll hear why “timing the market” is often less effective than just getting in as soon as you’re ready. David uses real historical data, stock market comparisons, and a strategic mindset shift to guide buyers in evaluating if now is the right time. Plus, hear how creative mortgage strategies can make a 7% interest rate not only manageable—but still a smart financial move.
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Real Answers Pt 2: Mortgage Myths, Interest Rates & Buying Timing
This is part 2 of a series on the top 20 most frequently asked questions by everyone trying to figure out how to buy their first home. If you didn’t read part one, I suggest you go back and start there so you can get the most out of this episode. I want to hit as many topics as I can, so let’s get to the episode.
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How Do Current Interest Rates Affect Buying A Home?
Welcome back, My How to Buy A Homies. We’re doing the top twenty most frequently asked questions by first-time homebuyers, and I’m going to get right into it. Question number three is, “How do current interest rates affect buying a home? Should I wait for rates to drop?” I get it. First-time homebuyers often obsess over interest rates like it’s the holy grail.
Let me start with the truth bomb that I don’t hear enough out there in the ether. I don’t hear about this particular sentiment being dropped enough when people are talking about mortgage rates and potentially waiting for them to drop. The rates of 3% and 4% were a reaction to a once-in-a-century global crisis. They are not coming back. The good news is I don’t see 16% rates like we had in 1982 coming back anytime either. The average interest rate since 1971 has been 7.7%.
That’s the truth bomb wrapped in an even truthier bomb. You’ve probably only been paying attention to this for the past couple of years, so you think 2% and 3% were normal for housing. Remember. In 2021 and ‘22, nothing was normal. We never had rates at 3% and 4%. This was new because we had a global pandemic. Let’s take that knowledge and assume that the time that you want to buy a home is probably in the next few years. 7% is a number you should embrace.
It doesn’t mean you can’t do this because rates are at 7%. It means you need better creativity from your team to enlighten you on all your options on how you can create your own personal, affordable rent replacement strategy. Let’s not dwell on the past. In 2009, Apple stock was $5 a share. A lot of people didn’t buy anything because they didn’t realize a once-in-a-century event was coming, which is the iPhone. It’s like the pandemic. It’s once in a century. By 2020, that $5 stock was up to $125.
Here’s the calendar math I’m trying to do for you. A lot of people in 2020 thought, “I missed it. Back in 2009, I could have bought $5 a share. It’s $125 a share.” Here’s the thing. Five years later, Apple stock is averaging $224. I get it. I understand 1,000 at $5 bucks from 2009 would be awesome now, but no one’s got a time machine. It’s important to realize that the 1,000 shares from 2020 would be almost double your investment. Life happens for us when it happens. You are here thinking about buying a home at this point in the grand long calendar. You have to do your best with what’s happening in the time we’re in.
I get it. Higher rates suck, but they’re not the end of the world. They shouldn’t be the reason that you stay frozen in place. The start of that question was, “What’s a good interest rate?” That’s a bit like asking, “What’s a good temperature?” I don’t know. It depends on where you live. In Phoenix, they say 108 is a good day because it was 122 the day before. It depends on what you’re used to.
Most importantly, when you’re trying to buy a home, the best interest rate depends so much on what you are trying to do with this purchase. There is no single magic number. A good rate is relative to the market, your financial position, and here’s the big one, to your goals. Higher interest rates mean higher monthly payments. That’s math.
No matter when you were going to check your financial ability to buy a home, there was always going to be a formula. There are always going to be numbers. You’re always going to have those goal numbers that you need to hit to make buying a home a reality. The interest rate is another number in that formula. If you’re not there yet, then you have to adjust and figure out the best way to get there.
In fact, thanks to online mortgage calculators, which I’ll get into later, there are far too many would-be first-time home buyers who put way too much emphasis on the interest rate. You are thinking that there are 2 or 3 main variables that make up the ability for you to buy a home, and not understanding that the interest rate is 1 of many different factors that make up the total formula, all the math, affordable to you. The biggest culprit is those stupid online mortgage calculators. I get it. They are good if you understand them completely.
Way back in 2023, I had episode 180, which is titled Online Mortgage Calculators are GARBAGE. The problem is that first-time homebuyers who get started are out there trying to get the information. They find a plethora of these online mortgage calculators and think, “These 3 or 4 things I punch in must be the real, true, and correct way for me to calculate if I can afford a monthly payment.” There are so many more creative options, especially when you’re working with the right professionals who can lay them out for you. You will eventually see that that interest rate is only one of dozens of variables, not the highest priority variable of only 3 or 4. This creates a bigger problem.
The confusion for first-time homebuyers is that most people miss the entire big picture. It would be better to say most people miss the bigger picture in general because you can’t always see the whole picture. What happens is you see this small version of the picture. The math that gets presented to you, which is three, four, or five different items, your price, interest rate, down payment, taxes, and insurance, doesn’t take into account dozens of variables. They look at that, see the payments out of their range, and decide the only recourse they have is to wait around for the prices or the interest rates to drop.
That sucks, but here’s the good news. That’s not a strategy. That’s a gamble. In reality, it’s like you’re at a poker table and you get dealt five cards down, so you can’t see them. What you are doing by looking at the interest rate is you’re only looking at 1 of those cards, leaving 4 of them that you’ve never seen before, and placing your bets.
The first thing is we need to change our mindset and reset the way we look at the interest rate as this end-all, be-all big piece that we need to move in order for us to make things more affordable. Another thing to do is to realize that when rates are higher, if you can figure out the math, work a plan for months, and then you’re set, if rates are still high, there’s probably going to be less competition.
My show is popular, but not that popular. We don’t have a million first-time homebuyers tuning in to this every year. It’s just you guys. Even some of you who are tuning in to it are afraid and still aren’t trying to figure out how to create your rent replacement strategy. When rates are high, buyers hide. I made that up. I like that. That means the sellers aren’t seeing 42 offers in 4 hours like they did back in 2021.
When interest rates are high, buyers hide.
What’s interesting is the stats have been startling. It’s showing that inventory is creeping up, surpassing one million listings. That’s 1 million homes for sale for the first time since 2019. What’s crazy is they’re not moving that quickly everywhere. Some areas out there are still staying super competitive. They do have bidding wars, especially for first-time homebuyers.
There is a stat saying that across the United States, 50% of sellers are offering concessions and credits to entice buyers. Keep in mind, a lot of that might be for the higher luxury end. I read a report that said that we have 500,000 more homes for sale than we do buyers for those homes. That news is brand-new. People are still freaking out because of the interest rates. It’s going to take three, four, or five months before people start to realize, “There are not that many buyers out here. Maybe I should figure out how to use this rate.” For you, start figuring out how to use the rate, and there’ll be less competition for you.
This permeating fear about higher interest rates means you’ve got negotiating power. You’ve got a real shot at getting seller credits and repairs, or even getting your appraisal gap covered. All those things are real money. That’s the market giving you a gift wrapped in a 7% interest rate. I’m not saying that if this rate is crazy for you, you should stretch yourself into a payment that you can’t handle. Never ever do something you can’t handle. If you can find a payment that works for you, and you’ve got job stability and a solid down payment on a long-term plan, there’s no reason to sit on the sidelines because you didn’t get the golden 3% rate back in the day.
There’s a great example of this. Sally from episode 161 jumped into her home-buying planning when rates were at 3%. While she was planning, she watched interest rates jump a full three percentage points. That’s what happened back in 2022. At the end of the year in December, she still decided that she wanted to make the purchase. Why? It’s because while she was planning, she realized something critical. Waiting for a better rate doesn’t guarantee a better outcome.
Waiting for a better interest rate does not guarantee a better outcome.
That whole time, while interest rates were going up, home prices were still climbing and rents were still rising. Since she had done a complete mathematical workup on her own renting versus buying, a full rent replacement strategy over the next five years, she didn’t see the high new rate as a stop sign to her plans. The math was favorable for her in a much better way when she was doing everything, looking at her five-year plan when rates were at 3%. Don’t forget. Prices were lower, too, but she wasn’t ready yet.
Since she had already done the math, she knew how much of a gap she had there or how much wiggle room she had before it wasn’t the right thing for her to do. Even with that astonishing almost three-point increase, doubling the interest rates from 3% almost up to 6%, she still knew that the numbers worked in her favor and she was coming out ahead.
A few months later, I interviewed her and got her on the show. She was stable, secure, and already building equity. She was poised to refinance if interest rates ever drop below that. It didn’t matter to her because she had the full five-year rent replacement strategy. It was there. It was bonkers in the black. It was super favorable when rates were at 3%, but even almost double that, she’s rocking and rolling.
Some other homies have gotten creative to find out numbers that maybe they weren’t in love with, but they could live with. Instead of giving up, they got to work. They boosted their credit score. They paid down their debt aggressively over six months. The result is they went from a 7.25% mortgage rate quote down to a 6.375%. That is a fat monthly savings by doing the preparation before you’re ready to go.
Another reader took advantage of a lender program that gave them a 0.25% rate discount for setting up autopay and direct deposit for their mortgage. Your pros, the good ones, are going to have dozens of strategies like these. I finished an interview with someone who was working with our unicorn lender, Kelly Cort, and her team at Guild Mortgage. Every unicorn has its own unicorn lender they can use, but we’ve got one national one to help people in case they’re looking at multiple different places.
The people I interviewed were like, “We were paying $3,800 in rent.” It’s expensive, but it was in Dallas. They went, “We put 3% down.” It was not a giant down payment. Their first month’s mortgage was lower than their rent. If you paid attention to the math at all, that sounds impossible, but it’s not impossible because the Guild is giving people a discount for the first year while you’re in there. All these creative things are out there, and it’s not going to be on your mortgage calculator.
Let me give you some quick action steps and things you can do that are going to affect your interest rate. Number one, that credit score. Aim for 747. Remember. They go in twenty-point pricing tiers. Number two, keep an eye on your debt-to-income ratio. Once you talk to your unicorn team, you might figure out that this is going to be a big stretch for you, but your rent replacement strategy makes sense. You might be working with a DTI at 43%, 45%, or 48%. If you don’t know what that means and you’re confused when I’m talking, and I’ve talked jargon over your head, it is time for you to get a unicorn and understand that. That could be a huge difference in what you pay off and how you pay it off in your planning period.
Another thing that could affect your interest rate is the type of loan. You might pay a little bit more upfront for some of the FHA loans, but their interest rates are good. You’re going to get a different loan if you’re doing conventional, VA, or USDA. All those different loan types have different interest rates, and your mortgage calculator can’t tell you that. You’ve got to work that out with your unicorn lender.
Part of this big equation is going to be your down payment. Depending on all of these dozens of different variables, you might figure out that with a different down payment, you get a different interest rate. That’s going to depend. Do you want to accept the higher interest rate so you can keep more cash in hand and do a lower down payment? There are lots of variables. A lame mortgage calculator can’t walk you through all this.
Another thing that affects your rate is points and credits. At any time, when anyone’s ever gotten a mortgage, they can pay it down right at the beginning. That’s a pretty big equation to figure out if it makes sense that you want to do that. If you get a credit, that’s a great way to use it because it’s not your money. Another thing that might affect your interest rate is the type of home, whether it’s a condo or a multi-unit. They sometimes have different interest rates than a regular single-family home. Something else that might affect your interest rate is the locked period.
Interest rates change every single day at multiple different times. Once you’ve had approval, at some point during your approval period, when you’re getting ready to write an offer on a home, if rates take a dip, you and your lender might realize, “Let’s lock it in.” Depending on the length of that lock, that could change your interest rate.
If you and your lender have good communication and you want to shorten that lock period, you’re probably going to get a better rate. You have to keep on top of them all the time. Maybe you only have a 30-day lock as opposed to a 90-day lock. The last thing is the timing. With that lock, what time you lock it in is going to determine your interest rate, and it can change.
The bottom line is, you do not have to chase an interest rate. You need to build a strategy. The example with Sally and so many other homies has proven that a high rate doesn’t have to stop your dream. It certainly shouldn’t stop your planning. You’re not just buying a house. You’re buying a lifestyle shift, stability, and a hedge against rising rents.
You’re creating a rent replacement strategy to get out of that. I know I keep saying that. It’s not because I’m old. I’m doing it on purpose because I want you to shift your mindset. It’s not, “Should I buy or should I rent?” It’s, “When can I create a rent replacement strategy so this large chunk of money can go to work for me?”
One of the big things that you need to take into account when you’re looking at the entire equation is that interest rates matter, but they are not the whole story. Work with a great team. Focus on what you can control. Buy smart, and then hold the asset and let it grow for you. You can deal with interest rates down the line. Talk to the people who bought a home at 8%. If they kept it all the way until 2021, they’re sitting on 3%. The most important thing is getting yourself in the game.
How Much Can I Afford To Spend On A Home?
Question number four is, “How much can I afford to spend on a home?” The ultimate starting point for every first-time homebuyer. I’m going to tell you this. There is no single answer to this question. Anyone who gives you a one-size-fits-all number based on your income is selling you something, or maybe they don’t understand how to best serve a first-time homebuyer in this new economy. That’s why I never answer this question with a simple mathematical equation.
When you’re working with a truly special advisor and asking them what you can afford, they evaluate that question a lot differently. Affordability is not just a number. It’s about alignment between your finances, your lifestyle, and your short-term and long-term goals. I’ve said it in the show again and again. Being approved for $600,000 doesn’t mean that that’s your number on the plus side or the minus side. That’s the bank’s current version of your story. What matters is you and how you fit into your story.
While I was researching this, I read that Zillow reports, “What is my home-buying budget?” as one of the very first and most common questions that new buyers ask. Since I saw that, I’ve been crying myself to sleep every night because of the fact that so many people were asking Zillow this question. Do you know what Zillow does when you ask them that question? They shove you into their loan department, which doesn’t work with you to create the overall plan.
They take your numbers, crunch them, and try to sell you a loan, or they sell your question and your data or privacy to any Yahoo realtor out there. Those realtors contact you, and they don’t have your best interests in mind. They want to get you into their hopper, turn and burn you, and sell you as fast as you can. I’m sorry. I had a little rant right there. Let’s get back to it.
Alignment is not a number. The alignment of your finances, your lifestyle, and your personal and financial short and long-term goals. A lender is going to run your debt-to-income ratio and credit score and spit out a pre-approval number for you. That’s how it works. That’s important, but that’s the tip of the iceberg. Real affordability comes down to a lot more than what the bank says with a quick algorithm.
Real affordability comes down a lot more than what the bank says with just a quick algorithm.
Here are some things that determine how much you can truly afford. The first one, and this is the most important one, is your monthly comfort zone. Can you live with a monthly payment and still have a life? I always tell people to do a practice payment. Find out what the new payment is, and then have a lifestyle simulation test. Live on the money left over after you pay, whatever that new payment would be.
The second thing, and this has nothing to do with the numbers, but you need to start thinking about how numbers come in with this. What is most important to you for your lifestyle, the priorities for that balance of life that you want to live? Are you going to have to pay for daycare? Do you want to travel? Is this an easy place for you to do that from?
There are other things you need to think about that affect your numbers. Could you be doing some side hustling? Are you going to be a homebody? You want to concentrate more on the home than what you’re looking at for the neighborhood because you’re not going out. If you’re a person who is a foodie, then you want to make sure that you’re close to a bunch of restaurants that you like.
When you’re evaluating your lifestyle as part of your purchase, what are the big things that you refuse to sacrifice? That’s all going to affect your budget and how much home you can afford. You have to think about job stability and future income. If you’re in a stable W-2 job or if you’re a freelancer on commission, that could mean that you might have to adjust your income. You’ve got to change things to look different for the bank, which means that it could affect how much home you can afford.
The other big factor is you’ve got to look at your down payment size and figure out which one is the best for you. Remember. Bigger’s not always better with the down payment. You might want to keep some cash handy. You’ve got to look at your debts. That’s a big one. Remember. Student loans are not the end-all be-all housing approval crusher. We’ve had tons of people with $200,000 or $300,000 who got actual mortgage approval even though they had student loans in big money. It is one of the things that you need to look at.
If you can manipulate pacing stuff down, move some money around, and change your debt-to-income ratio, you might suddenly be able to afford an entirely different stratosphere of home. There are tons of good advice out there on how to handle your debt and be a responsible adult, but they rarely inform you of how to use your debt, improve your debt, and even keep some of your debt if you want to create a rent replacement strategy and buy a home.
Your credit score is going to affect your affordability. The type of home that you want is going to affect your affordability. The big reason I bring this up is that a condo with $600 a month HOA is not the same as a single-family home with a yard to mow. If you’re like, “I don’t want the hassle of that. I want this condo,” really? $600 a month? Can you mow your own lawn? We can turn that around on the other side, too. You may want to stretch to the single-family home. Do you want to pay $500 to an HOA when you could be putting that into your own property?
Here’s another one that’s interesting. People go, “How much home can I afford?” Honestly, I don’t know until you give me the exact address because the property taxes, insurance, and utilities are going to vary from address to address. I know it sounds silly, but a $500,000 home monthly payment can change by hundreds from ZIP code to ZIP code.
Another big factor is the length of time. If you’re planning on staying in the home for five years or more, then great. If you’re looking at that, your affordability is not super dependent on small fluctuations in rates and prices as you’re getting ready to buy. If you are going to move sooner, then I’m hoping that you’re going to be pretty experienced, at least more than your average first-time homebuyer, or you have a great team backing you up.
I do not think that buying a home for a couple of years is always a bad idea. In fact, it can set you up financially for life with the right team of advisors. Don’t let the fact that you might move someday be the reason that you lose 2 or 3 years of rent to your landlord instead of using your money. It’s your money. You could be using it for those 2 or 3 years and figuring out a way to use that home as a rental afterwards. You’re not throwing your money away to your landlord. You are creating a real estate empire and turning yourself into a baller. The key to that is not every two-year plan is a bad plan as long as you’re looking at it as, “Have I mentioned a rent replacement strategy?”
The last thing that’s important when you’re figuring out if a home is affordable for you is what your emotional tolerance is. This one is not going to show up on your spreadsheet, but it is there, and it is real. Can you handle the pressure of a tight budget, therefore you’re going to go ahead and stretch to get more home, or do you want peace of mind, have that nice wiggle room, and then probably make some sacrifices on the type of home that you’re going to get? It’s up to you.
When buyers skip all these variables and they chase the approval numbers, and they’re looking at, “I can afford that,” that’s where I’ve seen it backfire so many times, big time. They end up either being house poor because they didn’t get the full picture of all their options, or they end up being too conservative and buy something that is maybe not exactly what they want. Even worse, they outgrew it and got to move in three years. Maybe they’re so focused on the numbers and the house that they don’t look at all the bigger things. They lose out on the life that they want.
When you slow down, work with a unicorn lender who listens, and align the math with your lifestyle, you end up with something way more powerful than just a home. You get security. You get freedom. You get a plan that works. “How much home can I afford?” is a loaded question. If you want to punch in your income, debt, and credit score to get a number, you can get a number.
There is no good analogy that I can think of because this is not a simple formula. Affordability is personal, strategic, and nuanced. It’s about what you can get approved for. Also, it is finding a great team to give you, the creative first-time homebuyer, specialized ideas to offer you multiple different options a calculator can’t. It’s about what you can sustain without stress. That’s an important part of, “How much home can I afford?” It’s about figuring out your true potential and matching you to your financial and personal goals.
My biggest dream for the real estate industry is that all realtors and lenders give you all the attention that you deserve when you ask this question, that they encourage you to work for a big picture answer, and that they’re willing to run your scenario with proper professional guidance so they can help you create that plan for the next 6 months, 1 year, or 2 years if working that plan is your best approach.
I’m hoping that the realtors that you find, your own unicorn, or someone else, make sure that they do that with you, because too many people do not get the full picture. They stop because a calculator says, “This is only how much you can afford.” Dig into your budget, run tests with yourself, see where you’re starting and where you could go, and then get the right people around you to help you find options that you didn’t even think of. When you do that, affordability becomes so much more than a number. It’s a life choice.
How Much Do You Need For A Down Payment?
Question number five is, “How much do you need for a down payment?” We hear this all the time because the down payment’s one of the biggest hurdles for first-time homebuyers, especially as prices have gone up. Naturally, questions about down payments are common. It’s so popular that it’s listed among the top homebuying questions that I saw in a million different resources.
I could ChatGPT to give you the answer, or I could quote a bunch of websites on how to get a home loan and what down payments you need, but I have a better way to answer how much you need for a down payment. These are real-life examples from homies. Working with first-time homebuyers in Southern California, where it’s expensive, I would say most, above 80% to 85%, have all decided to use an FHA 3.5% down payment. I’ve done it hundreds of times here in Southern California. Does that answer your question? Do you need 20%?
Let’s get into the show where we’ve had tens of thousands of people. People buy $300,000, $400,000, or $500,000 homes. I’ve interviewed them. In those interviews for those homes, 1 of them put $4,000 total for down payment and closing costs. The other one put $8,000. One buyer that I interviewed, who bought their first home in Portland, didn’t think they could buy a home. They spent seven years living in a van, and it wasn’t because they liked the van life. She said they were kind of homeless. That one was a $400,000 home with only $12,000 total for her closing.
As I record this, I’ve done over 90 interviews with people. They got the education they needed to secure their own unicorn team. The overwhelming majority of them used a down payment of under 5%. Some of them used a zero down for a USDA or a VA. Some used a 3% conventional. Some used a 3.5% FHA. We did have people use 5%. There were some people who decided to do 10%, but it’s pretty much 5% or 20% because you got a gift, or you’ve been saving up. God bless you. Rock on.
That busts the biggest myth in home down payments. You do not need 20% to buy a house. That stupid idea has been floating around forever. It has caused too many people to sit on the sidelines thinking they’re not ready. They throw all that money into rent because they think they have to have six figures saved up in the bank.
You do not need 20% of the downpayment to buy a house.
Do you know what’s crazy? Most of the first-time homebuyers that I’m talking to you about are great people. The ones I’ve worked with over the years are smart, educated people. A lot of them come to me with 20% and decide they want to put 10% or 5% down so they can keep much more cash liquid in their bank account. They realize the difference in the down payment doesn’t affect their monthly payment that much. That’s another story.
You’ve got options. Zero for VA for active Military. The USDA ones I talked about are in the rural areas. There are even some zero-down loans in more suburban and urban areas for non-Military people. They exist. I’ve mentioned before that the FHA loans are at 3.5%. That’s the one I built my entire career on. The rates for those are smoking. They’re almost a point off of what the national average is. These are normal. I don’t know why that 20% thing is still out there. How much do you need for a down payment? 3% to 5%. That’s what tens of thousands of first-time homebuyers across the country are using every single month.
To know what you should be using or what you need for your down payment, and understand how you fit into the matrix of down payment equationalness, that’s where your unicorn lender comes in. They’re going to look at your credit, your income, your job history, all your overall debt, and your entire profile, and then they’re going to help you figure out which programs you qualify for. It is, for sure, not about what everybody else does. It’s about what makes sense for you.
I’ve had clients with $20,000 saved who thought they were still two years away from buying a home because they needed a bigger down payment. We ran the numbers. They got a 3% down payment. They used some seller credits to even cover the closing costs. They were in a home in a few months, nowhere near the time it would’ve taken them to save 20% up. They got to build equity, stabilize their monthly costs, and make their home truly their own. They’re living a life of control and getting off the rent hamster wheel.
You can do 20%. If you’ve got the time and the income to save up more, that’s awesome, but don’t fall into the trap that you need to hit that magic number. That magic 20% number is not going to save you as much as you think, especially during that time you’re still paying rent. What you need is a plan and the flexibility to adjust as you go.
Remember. Your down payment isn’t the only cost that you’ve got. You will have closing costs on top of that. Not to mention, inspections, your prepayment for insurance, which usually is in your closing costs, and the expenses for moving. Usually, you have something for an appraisal. There are a lot of little costs in there, but you need to work with the team to figure out that plan. That’s why it’s so important that you figure out your total cash needed, not just the down payment percentage number.
See You In Part Three
If you’re looking to figure out how to get your specific number for a down payment that you should be planning for, it’s in episode 350 and 251, the last lease ever planning episodes. All the numbers are in there. I was trying to get as many questions as I could in 30 minutes. It looks like I’m over 30 minutes, but I did get 3 questions in. Stay tuned until I drop the next episode in this series as we continue the top twenty list. If you’re ready to start your rent replacement strategy, all it is is a plan. Go to HowToBuyAHome.com. Let’s get rocking. Don’t believe the myths. You can do this.
Important Links
- Real Answers to the Most Asked Homebuying Questions (Part 1) – 352
- Ep. 180 – Online Mortgage Calculators Are GARBAGE – Here’s Why
- Ep. 161 – Achieving The American Dream: An Interview With Sally
- From ‘Years Away’ to Homeowner: Your Last Lease Ever – 350
- Ep. 251 – How to Stop Renting: Make This Your Last Lease Ever