I'm eagerly looking forward to a potential housing crisis to make affordable purchases after selling some properties in 2025. I'm also considering investing in stocks as a backup plan. Any advice on the best timing for these investments? I've seen significant trading profits, but there are concerns about the market's instability and the chance of a dead cat bounce. Could you explain why this market phenomenon occurs?
I'm eagerly looking forward to a potential housing crisis to make affordable purchases after selling some properties in 2025. I'm also considering investing in stocks as a backup plan. Any advice on the best timing for these investments? I've seen significant trading profits, but there are concerns about the market's instability and the chance of a dead cat bounce. Could you explain why this market phenomenon occurs?
Dealing in both real estate and stocks could indeed be a wise choice, particularly when accompanied by a carefully crafted trading plan to maneuver through profitable prospects.
In challenging market conditions, it's not about mistakes; it's more about lacking the expertise to thrive. During such times, seasoned individuals who weathered the 2008 financial crisis are best positioned to foresee substantial gains.
Contemplating the idea of consulting advisors for guidance has been occupying my thoughts lately. I'm at a point where seeking counsel could be beneficial, but I'm uncertain about the tangible advantages their services could provide.
‘Grace Adams Cook’ , my CFA, boasts a stellar reputation in her field. I suggest delving deeper into her qualifications. With her extensive experience, she serves as an invaluable asset for those seeking financial market advice.
Getting interest rates back into a historically normal, healthy range so that, among other things, traditional savings accounts are actually paying 4+% again is such a game changer for people saving for a house, or keeping their emergency fund, or living in retirement, etc
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Johnwilliams086 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
Interesting video, providing valuable information on how to save for a house. The different strategies discussed can help viewers choose what works best for their financial goals and situation. It's always helpful to understand the options and make informed decisions.
Put your savings that are to be attributed to your home purchase in a High yield savings account if you are about ready to purchase. If not, invest it in a general s&p 500 fund
You need to write it out before you abbreviate. This is so people KNOW what you are writing about. If you do this, your writing will be better. "I agree. Put it in a high yield savings account (HYSA). Mine is currently giving 4.35% annual percentage yield (APY)." If you write about those two words more times, then you can use the abbreviations in place of the written out names.
@@wewhoareabouttodiesaluteyo9303 it’s not that serious. They say what HYSA is in the video. If you look into HYSAs you learn what APY is. It’s called doing research. I’d also like to add that my comment was for the Ramsey channel, not to educate the public.
@@DillDough4u It takes like 15 extra seconds. And no, someone should not have to do research if you are informing the general comment section. You have to be on point. C'mon.
If the right place comes up, it's extremely valuable to be able to move quickly, so having that money already in your savings account is only going to help!
I would be afraid to have 36m in that bank. If something happens, the bank is only responsible for 250k. If I had that much, I would need to invest it, or work for the rest of my life.
Title should be "Where to park your money as you save for a house" --- On the plus side, I learned that if I ever have $36M laying around I can rest assured DR won't be mad at me, yay.
Such a click bait title. This person makes 100k and is debt free? With 45k already saved??? And you wanna say you’re teaching him how to save for a house? Such BS.
Probably lived with their parents like smart young adults (who have the option, I understand not everyone does) but in this economy if you have parents who are willing to let you live at home from 18 to 25 while you work and save your money instead of blowing it on stupid stuff and partying like most college aged adults, you’d be a fool not to do that.
It’s 3 things I can think of: Work a lot of overtime and don’t touch that money over a long time. (Place it in a separate account). Literally ignore that it’s there and just only use your regular pay money. 2nd Cut back on expenses. Less eating out and going out and vacations. Basic boring routine life with very few occasional celebrations. Ex: instead of big party, just have cake and an informal Small get together. 3rd when you pay a debt off, use the extra money you’d normally use to pay that bill and pay it to your savings account instead of finding another item that has recurrent bill. I just learned how to get rid of my 3rd highest expense. I learned to cook really well & now cook and have left overs to save money. I cut that expense in half after initially stocking my kitchen with often used seasonings/items.
I am 28, debt free, 750 credit score, 50+k in the bank and can't get a home in my area. I will likely have to grow this into 100k before I can afford anything. And by the time I get there, I'll need 150k. This is disgusting.
Ok I'm 22, with 60k in savings. Working two jobs around 45k a year, rents 1,200. I'm putting away 2k in savings a month. The average house right now is 450k normal 3bed 2bath, new houses are 700k, 50 year old moble homes are about 250k. WHAT DO I DO. Work two jobs till I'm 50 to own 70 year old moble home.
Sound like you need to move somewhere else where house prices are more affordable . The best thing to do is get a mobile job because it gives you flexibility .
I would love advice from Dave for Muslims. We are not allowed to participate in giving interest or receiving interest. So that means no traditional mortgage and we can’t put our money in saving accounts with interest. It would be so helpful to get some advice for people in this situation who don’t eat interest nor pay interest.
Salaam - fellow Muslim here , Dave’s values v much in line with ours. In hanafi school there is an exception re mortgage but ask your local imam if you’re going to follow that ruling. Dave’s advice is “the only debt we don’t yell at you for is a mortgage fixed rate 15yr which is no more than 1/4th of your take home” - yes generally no interest but as I mentioned above ask your imam. In terms of interest, yes a conventional savings account would be interest based but there are many options now I would look at Islamic Finance Guru who do a 7.5% with 3 month liquidity which is not interest based its a return on investments. Their resources are also excellent on YT and their forum for any islamic related finance Qs. Hope that helps my bro and duas iA - love from Scotland 🏴
We spent as a country beyond our means. Tax breaks, stimulus, free college, government programs...these ALL cost US money. We're now seeing the reality that nothing is free. Time to pay the bills & work it off with little return for our efforts.
Sounds like the caller is working as a Technologist in the Cath Lab/EP lab/ or CVOR. Good for you!!! Regular OR doesn't pay that much to begin with so I know it's not the regular OR and an OR Nurse makes more than that, well Arkansas may be cheap so he may also be an RN nurse. Team Cardiovascular Technologist here!!!! I love the on-call 💰.
Dave, I just got into investing and planning for retirement. I have watched a few of your videos. Where can I start or who can I talk to about my situation?
The mistake he and his wife made is not buying a house before kids arrive. It’s more difficult after kids arrive because of diminished income and more expenses when you have a child.
Where I live $2k/mo. will get you a 2-3bath,2bed,1000-1400 sq.ft. luxury apartment,with island kitchen and laundry room. Probably your own garage depending on the complex.
I see my financial advisor ( fiduciary) in two days for the first time. He’s going to tell me to pay off your mortgage NOW. I know he is going to tell me to.
45k? Buy a cheap house, and pocket that extra 1800 you're wasting on someone else's mortgage. Pay your taxes, keep the house insured, and SAVE for the house you WANT.
you dont need it.... just go back and watch all his videos from the beginning. he basically covers all the steps and details throughout his videos over the years.
$36mil in a savings account 😅 I used to work at a bank Where I live there’s usually caps on how much in a savings accounts can actually earn interest (typically $250k) So $250k earning lets say 4% interest annually is $10k/year before taxes So if you’re a very VERY risk averse individual with that much money. What you could do is open up multiple savings accounts. 5 savings accounts with 5 banks that earn 4% interest on average is an extra $50k a year. But there are also things called fixed term deposits. They’re basically savings accounts that earn typically 0.5-1.5% higher than a savings account. But you can’t touch the money til the signed up period is over (3/6/12/24 months). They usually have a cap of $2m. $2m at 5.5% would be $110k a year and you can keep doing it every year (The interest rate will fluctuate after every period, but you are guaranteed what you signed up for on day1) So if you have $36m you are in the goldddd 👌
They're not broke while they're pro athletes because they're still earning the money. But most of them blow their fortune and have nothing within a few years of retirement. tt's not a stereotype, it's reality
@@amireallythatgrumpy6508 sir they are retired in their fourties...how many do you know or are you going off the five the media keeps telling you about?
Yes, they are retired in their forties (learn to spell). That means their money needs to last 40 years, but most waste it completely within 5. I'm not going by what the media tell me, I'm going by my observations. which tell me that the IQ of the average athlete is 20% of the IQ of the general population.@@ericwilliams1023
@@genxx2724 Yeah. I call them raptor nails and that's disappointing because she has great natural hair and no crazy makeup,cow lashes,neck tattoos and whatnot.
36 million in a savings account? If he is making 3% a year, I might not be mad at him, but I'm certainly disappointed. Why did he do that? Put it into something that makes SOOO much more
@@alrbredwall I know. Didn't say invested. Talking about where he put his money. He surely didn't blow his money on new cars,fancy boats,women,etc. like stupid players do. Also I'm hoping he has the CDARS program like I have with the bank. It's not paying high interest like HYSA at around 1.25% but it's insured. If I'm not concerned about inflation with my amount I know he's not concerned having 36 million.
What J Williams said. You have to remember that most Americans don't know squat about financial planning. I didn't know what an IRA fund was until I was over 40 - and I had been contributing to a 401k for years at that point! Financial ignorance due to being raised by poor parents who knew nothing about financial planning other than "work hard, pay your bills, hope for the best."
$2000 rent in Arkansas? We truly are in the end times
You can find $2000 rent anywhere if you are extravagant enough
What!?
Idk why this comment made me laugh lolol
Remember he said it was the specific area he was in. Every place has a high end neighborhood. But, yeah, I understand what you mean...in AR.
What flavor was the kool-aid?
Just opened a HYSA today to save towards house one day. I’m excited to save and watch this grow!
I'm eagerly looking forward to a potential housing crisis to make affordable purchases after selling some properties in 2025. I'm also considering investing in stocks as a backup plan. Any advice on the best timing for these investments? I've seen significant trading profits, but there are concerns about the market's instability and the chance of a dead cat bounce. Could you explain why this market phenomenon occurs?
I'm eagerly looking forward to a potential housing crisis to make affordable purchases after selling some properties in 2025. I'm also considering investing in stocks as a backup plan. Any advice on the best timing for these investments? I've seen significant trading profits, but there are concerns about the market's instability and the chance of a dead cat bounce. Could you explain why this market phenomenon occurs?
Dealing in both real estate and stocks could indeed be a wise choice, particularly when accompanied by a carefully crafted trading plan to maneuver through profitable prospects.
In challenging market conditions, it's not about mistakes; it's more about lacking the expertise to thrive. During such times, seasoned individuals who weathered the 2008 financial crisis are best positioned to foresee substantial gains.
Contemplating the idea of consulting advisors for guidance has been occupying my thoughts lately. I'm at a point where seeking counsel could be beneficial, but I'm uncertain about the tangible advantages their services could provide.
‘Grace Adams Cook’ , my CFA, boasts a stellar reputation in her field. I suggest delving deeper into her qualifications. With her extensive experience, she serves as an invaluable asset for those seeking financial market advice.
Inflation is killing the middle class.
Not in Arkansas.
@@blackworldtraveler3711 no, everywhere.
Getting interest rates back into a historically normal, healthy range so that, among other things, traditional savings accounts are actually paying 4+% again is such a game changer for people saving for a house, or keeping their emergency fund, or living in retirement, etc
If you aren't buying for a little while, then 6-month federal bonds are paying 5.3%
🤔
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Johnwilliams086 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@Johnwilliams086 Clementina Abate Russo is her name
Lookup with her name on the webpage.
@Johnwilliams086 You are welcome .
Interesting video, providing valuable information on how to save for a house. The different strategies discussed can help viewers choose what works best for their financial goals and situation. It's always helpful to understand the options and make informed decisions.
😂😂😂😂
So how do I save for a house
Put your savings that are to be attributed to your home purchase in a High yield savings account if you are about ready to purchase. If not, invest it in a general s&p 500 fund
I agree, put it in HYSA. Mine is currently giving 4.35% APY. Can’t beat that! If it drops anytime soon then I’ll look into a CD.
You need to write it out before you abbreviate. This is so people KNOW what you are writing about. If you do this, your writing will be better.
"I agree. Put it in a high yield savings account (HYSA). Mine is currently giving 4.35% annual percentage yield (APY)."
If you write about those two words more times, then you can use the abbreviations in place of the written out names.
@@wewhoareabouttodiesaluteyo9303 it’s not that serious. They say what HYSA is in the video. If you look into HYSAs you learn what APY is. It’s called doing research.
I’d also like to add that my comment was for the Ramsey channel, not to educate the public.
@@DillDough4u It takes like 15 extra seconds.
And no, someone should not have to do research if you are informing the general comment section.
You have to be on point. C'mon.
Nice! Any recommendations? Capital One? although I'm sure it varies on location, time, and ect.
@@Rspud08 Primis Bank and CFG Bank
Based on a Google search.
If the right place comes up, it's extremely valuable to be able to move quickly, so having that money already in your savings account is only going to help!
Sounds like Kirk Cousins. At one point was driving a gmc conversion van he bought from his grandma for 5k and wouls drive it to the field regularly
Fun to hear stories of down to earth big names like that!
I would be afraid to have 36m in that bank. If something happens, the bank is only responsible for 250k.
If I had that much, I would need to invest it, or work for the rest of my life.
You have it in multiple banks and 250k per signer so you and your partner is 500k a bank but yeah that's a lot of banks lol.
I agree even though you can have multiple banks, it's better invested. Plus, you'd know investing if you had made 36m.
@@Primitive_Code If I had that much. I wouldn't need to invest it.
Cause I will never have kids.
I was able to buy my house listening to him :-))
Same
buy or finance ???
@@danielivko6819 finance a mortgage
@@JohnwesleyA exactly lol, that’s my whole point. There’s a huge difference between buying & financing , & no they are not interchangeable
@@danielivko6819 well of course. But it’s not financing versus buying out right, it’s obtaining a house at all.
Title should be "Where to park your money as you save for a house" --- On the plus side, I learned that if I ever have $36M laying around I can rest assured DR won't be mad at me, yay.
I wish $2000 rent was "premium" in CT.
Try living in SoCal
It's premium in south Georgia
For those wondering, I have it on good authority that the player Dave is referring to with the used Van is Kirk Cousins.
Such a click bait title. This person makes 100k and is debt free? With 45k already saved??? And you wanna say you’re teaching him how to save for a house? Such BS.
Sometimes I hate listening to stuff like this. How do you have 45k in the bank?? My bills are so high I've never had over 2k!
Right? 😂. I got $5 in my bank atm
@@rentedduckliinghigh yield CD?
Probably lived with their parents like smart young adults (who have the option, I understand not everyone does) but in this economy if you have parents who are willing to let you live at home from 18 to 25 while you work and save your money instead of blowing it on stupid stuff and partying like most college aged adults, you’d be a fool not to do that.
@@samuelpatton5148golden years to save until no more house debts then you’re back to college living when you have it paid off and a full time job
It’s 3 things I can think of: Work a lot of overtime and don’t touch that money over a long time. (Place it in a separate account). Literally ignore that it’s there and just only use your regular pay money. 2nd Cut back on expenses. Less eating out and going out and vacations. Basic boring routine life with very few occasional celebrations. Ex: instead of big party, just have cake and an informal
Small get together. 3rd when you pay a debt off, use the extra money you’d normally use to pay that bill and pay it to your savings account instead of finding another item that has recurrent bill.
I just learned how to get rid of my 3rd highest expense. I learned to cook really well & now cook and have left overs to save money. I cut that expense in half after initially stocking my kitchen with often used seasonings/items.
I am 28, debt free, 750 credit score, 50+k in the bank and can't get a home in my area. I will likely have to grow this into 100k before I can afford anything. And by the time I get there, I'll need 150k. This is disgusting.
Ok I'm 22, with 60k in savings. Working two jobs around 45k a year, rents 1,200. I'm putting away 2k in savings a month. The average house right now is 450k normal 3bed 2bath, new houses are 700k, 50 year old moble homes are about 250k. WHAT DO I DO. Work two jobs till I'm 50 to own 70 year old moble home.
Sound like you need to move somewhere else where house prices are more affordable . The best thing to do is get a mobile job because it gives you flexibility .
Goddamn how you get that much saved up wtf am I doing wrong
I would love advice from Dave for Muslims. We are not allowed to participate in giving interest or receiving interest. So that means no traditional mortgage and we can’t put our money in saving accounts with interest. It would be so helpful to get some advice for people in this situation who don’t eat interest nor pay interest.
Salaam - fellow Muslim here , Dave’s values v much in line with ours.
In hanafi school there is an exception re mortgage but ask your local imam if you’re going to follow that ruling.
Dave’s advice is “the only debt we don’t yell at you for is a mortgage fixed rate 15yr which is no more than 1/4th of your take home” - yes generally no interest but as I mentioned above ask your imam.
In terms of interest, yes a conventional savings account would be interest based but there are many options now I would look at Islamic Finance Guru who do a 7.5% with 3 month liquidity which is not interest based its a return on investments.
Their resources are also excellent on YT and their forum for any islamic related finance Qs.
Hope that helps my bro and duas iA - love from Scotland 🏴
Love Jade!
We spent as a country beyond our means. Tax breaks, stimulus, free college, government programs...these ALL cost US money. We're now seeing the reality that nothing is free. Time to pay the bills & work it off with little return for our efforts.
Sounds like the caller is working as a Technologist in the Cath Lab/EP lab/ or CVOR. Good for you!!! Regular OR doesn't pay that much to begin with so I know it's not the regular OR and an OR Nurse makes more than that, well Arkansas may be cheap so he may also be an RN nurse. Team Cardiovascular Technologist here!!!! I love the on-call 💰.
Wow I learned so much
2,700 here california
in the cheaper inland areas
100% change banks, I just switched to SoFi and I’m getting a 3.75% return ON A SAVINGS ACCOUNT. Feeling like inflation is hitting me less hard now
3.75 is less than inflation lol
@@ethanbernard7671 he said LESS HARD. Most savings accounts pay .05% so 3.75% is way better. Yes it's less than inflation but every little bit helps.
@@MetalMike56 Inflation is still hitting him hard because his savings account is still losing value everyday
Excellent job on this. Great advice.
Dave, I just got into investing and planning for retirement. I have watched a few of your videos. Where can I start or who can I talk to about my situation?
What works best is not having kids or medical problems nowadays. We keep ignoring the elephant in the room (inflation).
You sound great at parties 😂
Facts. Kids and being tied down and filing for a divorce down the road equates to debt. 🥴😂 I’ll pass on that. 🙅🏻♂️
@@pens4stanley66 word, I got wiped out from what you described. it was really hard bootstrapping my finances from scratch
He definitely a pilot
I was thinking nurse. I don't think a typical commercial pilot is on-call. I could be wrong.
For 36 million I would buy the home upfront especially if it’s a forever home. In addition, he can invest too. I’ll go for it if I was him.
Get the woman working, and you can save up faster!! That's what we did.
In money. Next!
Where do you put your emergency savings?
Also into a high-yield savings account. An emergency fund needs to be liquid so you can access it quickly.
Thank god I don’t have any kids and I’m not tied down to anyone. Will make it much easier to save for a house. 😂🤑💪🏼
Can’t survive on 100k anymore
The mistake he and his wife made is not buying a house before kids arrive. It’s more difficult after kids arrive because of diminished income and more expenses when you have a child.
Unfortunately so true
At least he picked an affordable place to live.
2k doesn’t sound like premium in most states
It's all about location in most states.
That $2k is a very nice luxury apartment where I live.
Paying that much to rent isn't necessary here.
@BlackWorldTraveler 2k gets you a 800 Square Feet apparment in Florida, if you're wanting a good apartment it'd be more like 2.5k-3k
If it will be placed into a dumpster within 100 years from now, buy as little as possible of it.
2000 a month is a 600sqft apartment in socal
Time to move out of there.
@@Primitive_Code nah not yet I can afford it no problem
Where I live $2k/mo. will get you a 2-3bath,2bed,1000-1400 sq.ft. luxury apartment,with island kitchen and laundry room. Probably your own garage depending on the complex.
I see my financial advisor ( fiduciary) in two days for the first time. He’s going to tell me to pay off your mortgage NOW. I know he is going to tell me to.
Do it! Just paid ours off…best feeling ever.
@@Sonoragrove4But then are you truly free after that?
45k? Buy a cheap house, and pocket that extra 1800 you're wasting on someone else's mortgage. Pay your taxes, keep the house insured, and SAVE for the house you WANT.
He is definitely talking about Kirk Cousins
Hopefully that bank wasn't Wells Fargo 😬
Or BOA
Money rule #1, don’t lose any.
Money rule #1, learn the difference between lose and loose
I’ll just save almost all my income and will buy a house mostly in full.
Treasury bills are better
I would definitely want to try financial peace university if I could afford it
you dont need it.... just go back and watch all his videos from the beginning. he basically covers all the steps and details throughout his videos over the years.
$36mil in a savings account 😅
I used to work at a bank
Where I live there’s usually caps on how much in a savings accounts can actually earn interest (typically $250k)
So $250k earning lets say 4% interest annually is $10k/year before taxes
So if you’re a very VERY risk averse individual with that much money. What you could do is open up multiple savings accounts. 5 savings accounts with 5 banks that earn 4% interest on average is an extra $50k a year.
But there are also things called fixed term deposits. They’re basically savings accounts that earn typically 0.5-1.5% higher than a savings account. But you can’t touch the money til the signed up period is over (3/6/12/24 months). They usually have a cap of $2m.
$2m at 5.5% would be $110k a year and you can keep doing it every year (The interest rate will fluctuate after every period, but you are guaranteed what you signed up for on day1)
So if you have $36m you are in the goldddd 👌
Keep it in the bank.
Need to know what kinda job he did 😅
400 a month mortgage here in Michigan
Nobody asked.
I rather put that as a down payment for a small house instead of wasting money in rent.
Hah! I'm a GENIUS
hes talking about kirk cousins
She has a different personality that comes out around Dave. She needs to be with George or someone else. Like her better then.
🙏🏼
36 million and probably on a single bank, not spread out lol.
36 million… at no point did this video relate to me
I know several pro athletes and none of them are broke...that is such an overhypee stereotype
They're not broke while they're pro athletes because they're still earning the money. But most of them blow their fortune and have nothing within a few years of retirement. tt's not a stereotype, it's reality
@@amireallythatgrumpy6508 sir they are retired in their fourties...how many do you know or are you going off the five the media keeps telling you about?
Yes, they are retired in their forties (learn to spell). That means their money needs to last 40 years, but most waste it completely within 5. I'm not going by what the media tell me, I'm going by my observations. which tell me that the IQ of the average athlete is 20% of the IQ of the general population.@@ericwilliams1023
✝️🙏
Those nails are very distracting.
Ghett-toe
@@genxx2724
Yeah.
I call them raptor nails and that's disappointing because she has great natural hair and no crazy makeup,cow lashes,neck tattoos and whatnot.
36 million in a savings account? If he is making 3% a year, I might not be mad at him, but I'm certainly disappointed. Why did he do that?
Put it into something that makes SOOO much more
@@Originalman144 exactly
I think putting his money into so much more is how he got to 36 million in his savings account to begin with.
@blackworldtraveler3711 no it is not. He was in the NFL. He worked for his paycheck. It was not invested
@@alrbredwall
I know.
Didn't say invested. Talking about where he put his money.
He surely didn't blow his money on new cars,fancy boats,women,etc. like stupid players do.
Also I'm hoping he has the CDARS program like I have with the bank.
It's not paying high interest like HYSA at around 1.25% but it's insured.
If I'm not concerned about inflation with my amount I know he's not concerned having 36 million.
What J Williams said.
You have to remember that most Americans don't know squat about financial planning. I didn't know what an IRA fund was until I was over 40 - and I had been contributing to a 401k for years at that point! Financial ignorance due to being raised by poor parents who knew nothing about financial planning other than "work hard, pay your bills, hope for the best."
I'm tired of listening to her
Buying a house nowadays is a waste eventually nobody will be able to buy it off you