Sell Our House to Get Out of $148,000 of Debt?
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- Опубліковано 16 січ 2025
- Sell Our House to Get Out of $148,000 of Debt?
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I would sell the house so fast.
There is nothing like being debt free.
I make $47k and have no debt and
My house is paid for.
I feel rich.
I'd do the 3 year plan. It's quicker and gives you security. They have a baby, so... I'd be a little more cautious in their shoes if I had a baby too.. idk. just imo
Bruh you don't feel rich, you ARE rich. If you have zero debt and a paid for house you're a baller!
@@JamesJamersonIsAGod Facts!
Children do what feels good, that's not necessarily the right answer though
@@theIdlecrane there is no right answer.
"The quickest way to double your money is to fold it, and put it back in your pocket."
ha
I would stay in the house, pay it off within those three years. Don’t have to rent anything, don’t have to go live with Mama! Three years you’ll be out of debt and you’ll have your cushion to go from there. 😇
Audio You Said It, Bingo! Even better yet with all the money that they make together, they can cut that in half and have it paid off in a year to a year and a half! That’s what I would be doing, if I had it like that! There are so many people living off so much less, and they make it happen. Sometimes you just need some really good advice, prayerfully you could get some, other cases don’t have any advice at all, that’s what the mistakes come in!Blessings!😇
Yep
Naturalbeauty_abena 😇
That’s if nothing changes with their income. Things happen
Kia the CEO ,your correct, especially during these times! With their moneys together they make quite a bit, so if there was only one income they could still do it, may take a little longer but it can still be done! There are so many that don’t even have an income right now, but God will supply! Push came to shove, they can get their creative juices going and become entrepreneurs!😀
If the monthly payment stays the same, might as well stay in the house and get some more equity out of it for the next few years. That's just me, plus moving SUCKS. Do it once, not twice lol
Moving cost so much money too!~~~
@@xktwnxl4zlx213 Well if you use a moving company it will.
$50,000 a year in debt reduction is extremely possible on their income, i paid off at least $10,000 in a year and they make like 4 or 5 times what i make
You're broke
@@jeanlenor1858 Really? Took time out of your day to say that...?
Black Vito what’s up, love the channel. Keep it up man
@@edb484 thank you ed!
I agree. They can probably knock it out faster if they really buckle down and track every penny
Fees for selling homes steal wealth. Buckle down.
Agreed. The thing that makes me say it’s a bad idea is that if she sells for $300k, she gets $282k in actual money. So she still has a little over a year of debt payment to go to get debt free. Then she probably has to save for another 2 years just to repurchase. And wherever she purchases, she’ll be out like 3% in closing costs.
So she might as well keep the house.
@@hornetguy9063 I would keep the house because if she sells her house and gets out of debt she will eventually go back to debt when she buys a new house...
Do a FSBO.
RealestAte agents will soon be obsolete once online home buying becomes a thing
Agreed! Not a lot of equity and will still be in debt
No, you make over $100k. Just stay in the home, live on. 45-$50k, and pay off the debt in 2-3 years. Moving and having to look for/saving up for a 2nd house isn’t worse the hassle.
right? They are plenty motivated, paying down $30k already in the middle of a pandemic while pregnant and then new parents? They will be fine, they will likely do even better next year.
Don’t sell. Keep grinding the way you are. The house will be worth way more in three years anyway. Plus when you’re ready to buy again you’ll have way more money for the next purchase.
Couldn't have said it better myself! Well spoken!
I don't see how this is not clear.
L
Not always the case, many times you'll just burn thru interest payments and be out a LOT more money.
You just had a baby. Do not move in with your parents.
I hope they move into her parents because I’m looking forward to when the husband calls complaining about the in-law drama.
That's what happens when families have bad relationships .
@@rodperkins8668 yes this will cause tension but only because people are nasty and they don't have good relationships with each other .
@@riverdaletales8457 The relationships don't matter, it creates a power dynamic where you are back under your parent's roof as a grown adult thinking you make decisions to run the house hold and your parents don't agree with that and see it as their house and you are renters/guests. As a grown person you can no longer live the way you normally would. It would test even the closest family to have that kind of dynamic, especially if there isn't a lot of space for people to be apart in the house.
It also depends on the family situation. Some families do just fine together an it's a win win for everyone.
Nope, renting a single family home in south Florida costs $2500 per month. At least for anything decent. Apartment rents are crazy high too.
Renting in South Florida is high and I wouldn't do it. Live with parents if it will work or buckle down in this house and payoff debt.
$2500 is not bad if minus meager living expenses the rest of monthly income goes to debt
Grandparents are not built in babysitters. Their child raising is done. Take care of yourself and your own kids. Stop moving in with parents as adults. They are standing on their own and so should you.
Really offended by the built in babysitter remark. Too many grandparents are being taken advantage of. Another example of an entitlement mentality. A word to millennials: few of us will say this to you.
agreed !
@mdooms76 agreed !
The American mentality against multi-generational living arrangements is short-sighted and selfish. Most people in the world live with three generations of family under the same roof at one point or another. It's one thing to use grandparents as babysitters but something entirely different to have your kids close to your parents to learn from them and check their bratty tendencies and to help the grandparents as they age. Shuttling them off to often deplorable conditions in "nursing homes" so the parents can keep living their self-centered "independent" lives is one of the ugliest aspects of this society.
So true!
I wouldn’t sell it personally
Plus the stress of moving 2x - once to an apartment then to their next house. Crying baby is stressful to fellow apartment dwellers.
Also moving in with parents as an emergency is different than moving in with parents as a 3 year plan so that you can save money is littered with problems. (Different parenting styles, expectation of household chores, cooking, etc)
Agree. Moving when you have an infant is a non starter.
WWDD? Moving to parents home isnt one of them.
Thats why I love dave,, no ruining around the bush.. just layout the options crystal clear .. and when he has to pick one.. he does.. like it or not.
I was thinking the same thing , will end up basically the same result around the same time. Not worth to sell
Good for them. They have their head in the right place.
I would NOT in my right mind sell the house and move with parents. That's a dumb idea! Plus you just had a new born. There is nothing like your own place when you have your own family. Keep the house and focus on your debt. Once you are out of debt then sell the house and get a new one or whatever if you don't plan on living in it anymore.
Maybe they actually like their parents.
Stay in the house, boost your debt payment each year, sell the house in the future at a higher price and buy that dream home you always wanted! Looks simple to me, especially with a new baby, don't deal with in-laws and landlords. Stress free at your own home until you're ready to move again
Sell house 300k - 212k balance = 88k, then subtract closing costs, realtor fees, etc. = squat. Maybe get 50k from the sale. Not worth it.
It took me 10 years, but using Dave's program and steps I am debt free, have my $1000 dollar emergency fund and have zero credit foot print on the web. My next step is a tiny home and off the grid living. I followed Dave's steps, delivered pizza when necessary, and took odd and end part time work to supplement my income. My 22 year old daughter is now following this program and working on her emergency fund. Thanks Dave.
Don’t sell the house. You will have to pay commission fees, moving fees and then pay to rent somewhere. Then you will have to re-save 20% down payment plus closing costs, while housing prices may continue to rise. There is no financial benefit to selling in this scenario. If you had $500,000 in equity and could sell and downsize to a $300,000 home that would be different.
50k plan is a way better option.
I love when the two of them disagree
Yes sell the house . We are near the peak on house prices . 2021 housing market crash is real
Be debt free, wait for the market to crash then buy another house that’s bigger and cheaper
Start the planning process for selling the house. Map out how much cleaning/renovation/repairs/staging you want to do. You'd also have to find an apartment you like and can afford, but you could use this process to rent in your target neighborhood/area. That would give you an opportunity to research the schools, etc. (and establish residence in the neighborhood of your target school).
The actual process of listing and selling the house may only take 2-3 months but between planning and prepping your house for sale, and then finding and moving into a new temporary location, this process might take a good 12 months anyway. As long as you're on Dave's plan right now, that would mean debt-free in a year after you sell the house.
I thank God for your videos
DO NOT SELL THE HOUSE! Buckle down, turn that three year plan into a two year plan, and use the next few years of increased equity in your current home as the down payment for the home you actually want when you’re debt free.
I can't even fathom wanting to live with my parents again, unless I was broke and going to be homeless otherwise!
If the parents are happy to have them, go there. Sell the house. Pay off debt and save to repurchase. Just commit to a plan. If family situation is rough, can always move out. Plus they do not want to live in the house anyway
Orrrrrrr rent out the house...?
I would never want to live with any in laws. Bad idea. Even if I have to live in a kitchenette, I would. But not with in laws.
@@pic376 my parents are ok so it could work. But even if they were not, a nice basement with separation works.
@@pic376 Sorry to hear that you don't like your in laws. Mine are pretty nice people actually.
Don't sell your house! It'll likely appreciate more in the next two years. Pay your mortgage rather than somebody elses, and continue to build your own equity. Once your ready to move sell it for a larger profit!
Congratulations on your baby!!!! These guys are going to do well whichever course they take.
What about taxes on income? Other expenses of your owning a home... it would take 5- 6 years to pay off debt
I should sell both my houses and go live under a bridge in California.
NO ONE will know that I've got cash in the bank and a debit card with access to plenty of soap and deoderant LOL
Or sell then move to cheaper state and live a normal life
Renting means losing appreciation value. It also remove life comfort. Having a little one while in transitional housing is not as comfortable as living in your own home. Buckle down. Pay off debt. Have more equity in 2 years to sell and buy again.
2:04 oh boy.
To be honest personally, I think that three years with the money that they make in a year together , they can pay that off within a year to year and a half if they already. You don’t have to stretch it to three years, cut it in half, you make enough to survive, you have your own home, many people don’t have that, renting to me is a waste, And puts money in someone else’s pocket to do what they will with it, so they will be gaining, and you will be losing! True, it’s better than nothing! Bottom line, Continue with having Self Control and Manage Your Money, Which is actually Gods Money! ! Whatever I am sharing with you, I have do myself! Again, Pay that debt off in a year to a year and a half, you Don’t have to rent anything!!! Blessings!🙏🏼
Posted 5 seconds ago. Dang I’m addicted
Hahah me too
Same Brother
Jayson Vela same lol
You should be investing not commenting - Dave
P B hahahaha 😂
Why would you have a kid with $148K in debt?????
No business being parents.
Sell an asset to rent?! No.
It isn’t an asset if it isn’t making money.
Give up a payment to live rent-free? Yes.
@@michaeldalton8374yes it is that house gets paid down and is prob up 100k in price or pay someone else bills which one brtter
Stay in the house and keep attacking the debt. Moving in with parents is a horrible idea.
I love this show
Selling the house doesn’t help much,. Since they really don’t see themselves there for much longer, that’s the main reason I would say sell it and move. I do agree that they don’t need to move in with the parents. I’ve seen how it tends to work when a married couple with a child lives with the grandparent. Someone is always annoyed; someone is always trying to tell someone else the “right way” to do things. Someone is always imposing their culture upon someone else.
They should go through the numbers of different potential plans and outcomes and figure out what they can do without making themselves too uncomfortable.
Sell a property. Buy a property. That's the rule.
Very true on going to check out the apartments! I’ve definitely learned this with age. You can meditate and dream on things like this for months, then you go and check it out and it’s not the same! Should have went straight to checking it out and moved on!
Good point on doing more research on renting first.... you may find great deals that would work or you may be horrified. Probably will solve that decision lol.
2 signatures that can destroy your life: Government issued marriage licenses and student loans.
I yelled so loud!!!
I would rent the house and move with parents. If things dont work out with parents i go back to the house.goodluck!
This is a great idea
I'm a parent with grown kids I dont want my kids to move back with me
@@Minibike817 your are right, it all depends how they get along, there is a saying in Mexico that says the death people and the huddle stinks at the 3rd day. But honestly they make good money to going tru this. I would stay in the house and get a side hustle to speed up pay off debt.
How much would the house appreciate in value during this time? How is this not accounted for in this discussion?
Sell it, rent, and save interest
I’d rather pay bank interest on something I own that will appreciate in time than tossing money at rent which is a big black hole where you will see ZERO return on your rent dollars.
The baby complicates things. #1. If living with the parents would put a strain on your marriage, DO NOT DO IT. End of story, just stay in the home and grind it out. #2. Don't sell and rent if you're not going to save (much) money anyway. #3. But if the parental/in-law relationship is strong, sell the house now while the market is strong, take your free place to live with family (the babysitter is a big bonus too), immediately pay off the high interest stuff (car and credit cards), and knock out the remaining $75k-ish in student loans over the next 12-18 months. Then 6 more months of grinding for a down payment and you're ready to move to the place you want to be, having no debt except the new mortgage.
You wont get rent lower than the mortgage you're paying now anyways, so why the itch to sell the house?
COST OF SALE seems to be ignored
I can’t do beans and rice!!! I’m don’t eat out, but I’ve gotta buy food!
You’re going to move your whole family to mom’s! That’s crazy.
That house could possibly be worth $350k+ in 7 years. 🤷🏻♂️
Depends. After dumping 100k in repairs...not so much lol..
Thats a tough thing to predict, in some markets a house may go up $100k in 5 years, it may go up $10k. Kindof a gamble but at least most houses in most markets go up in value.
Very true but what will buying in 7 years look like if they sell now?? Prices only go up.🤷🏻♂️
@@davidcarter9211 I don't disagree. Just like Dave usually points out now, there are 'hidden' costs in owning a house making it more expensive than renting in every scenario. I could sell my house for $100k more than I bought it for, but then where would I move? to another house that someone else is selling for $100k profit? The only time you make money on the sale of a house is when your kids move out and you downsize to something smaller.
Maybe, and $45k is a lot of money, but as a return on $300K investment? It's not overwhelming. They could make that or more on the next house if they reenter the market in 2 years.
Selling the our doesn’t get you out of debt, I will stay in your house but what do I know. You just had a baby, you need some stability.
1.5 years ago I was so stressed out with home ownership (we could afford it but vs what we were renting for it was so much more). This year rent is going for MORE than what I pay for my home INCLUDING utilities, internet, etc. We generally pay 1400-1800 together with insurance, utilities, internet, mortgage, etc. Rent is 1800 now for a 2 bedroom apartment... WITHOUT utilities included! Like what! Ridiculous.. Im so happy we landed a $1200 for the short time we rented.
If you sell, 75k pays off that much of the debt. 73k left and you rent as cheap as you can without being in a squattersville, and 14 months from now you are debt free. Then you are at the point of net zero and you start saving for a down payment, etc. This way us much easier so to speak in time wise of being on rice and beans. 3 years is a long time to do nothing, go nowhere etc.
Ya, sell the house. If you can get rid of the debt with something as simple as selling a house then ya do it. I would live with your parents for a bit, then pay for an apartment for a couple years after that. If you want to get another house later on you can (loan free). There is no reason to live 3 to 5 years in poverty while you grind away on that massive debt. Sell the house, pay off your loans and credit cards, and live free.
If my husband and my parents can bear me for 2 years, parents willing to babysit for 2 years. I would go for being debt free and a huge down payment for the next house.
*bear
Here is an alternative idea move in with mom but rent out the house and then throw any and all the income towards the debt.
Rachel is such a gem!
I’d sell it.
Selling and moving feels like too much change all at once which could be a burden on their marriage. I would value the more stable route.
Guys what jobs can I get with no degree? Because before I started watching Dave I chose to be an exercise science major like an idiot. The only real good job you can do with it is to go 100K in debt to be a physical therapist. Which I don’t want to do. At least I will graduate with my degree with 0 debt, but I don’t know what decent job I can get
In addition to being a PE or Science teacher like @Charlotte Elizabeth said, you can become a paramedic (different than an EMT), work for a medical materials manufacturer, bio-pharmaceticul industry. There's probably even more careers out there.
I am a history major who worked tech support straight out of college. All they cared about was that I had a bachelor's. Eventually I worked hard and kept moving up. When I was 25 I ended up finding out about what would eventually be my career path. Heck the job I am in now I didn't even know was a possible subset of my career path until 2 years ago.
So you may start down one path and end up finding out about an entirely different type of job you qualify for as you go along.
Don’t rent. You’ll never get that money back.
Don’t sell the house! Currently that’s your best asset.
There are some instances staying with momma makes sense though. For a couple of yrs.
Move back with folks with a newborn to pay only half of her debt. No thanks.
If your reading this I hope u become successful n succeed ur goals
you're
Hispanic culture is so different from hillbilly culture that Dave is familiar with. Living in a house with 3 or 4 generations of family is not out of the ordinary. It's much more culturally accepted! If I were in her situation, that's what I would do. They can be completely debt free, have their 3-6 months emergency fund, and a 20% cash downpayment for a new place if they live with family for the next 18-24 months.
Not selling my home, my security, to get out of debt.
They make $142k and saving $50k is “beans and rice”. 🙄 They should save at LEAST $75k and be done in 2 years or less!
What do you think $142 gross equals after taxes? Maybe $105,000... Then add mortgage , insurance, property taxes, water, electricity, food, baby expenses etc. no way they have $75,000 to pay off debt .
Married filing jointly tax bracket for $142k is 22% which equals $110,760. Subtract out $75k and that leaves $35,760. That’s $2,980 a month. If you cook at home, you can feed everyone for $500 for the month. That leaves $2480 for mortgage and bills. The principle, interest, taxes and insurance for a $300k home with 5% down is about $1,800. That leaves $680. $150 for two cheap cellphones plans leaves $530 for electricity, gas, trash, water, etc. You can use cloth diapers, get clothes from thrift stores, switch to a land line, sell your car and use uber/public transit, etc. If you want to cut deep, you can. You are not living like this forever. Cut expenses until it hurts, and then cut a little more. I paid off $170k in 5.5 years. I made $35k for the first 2.5 years and never made more than $90k. They make $142k working full time. They can do overtime or a second part time job. Depends on how bad you want it.
@@mikebrownbassist802 you forgot childcare at600-800 a month formula like 200 a month
@@TheMechanicj If they are are close enough to live at home, maybe the parents can help out with child care. Lots of people have kids and live on $35k a year.
Health insurance 500 a month disability life insurance like 100$ a month 401k match usually 3-5% lots of things ya not taking into consideration gas cause where I live ubers to and from work be like 1000$ a month cause ain’t no public transport
I'd go the opposite direction. There's nothing wrong with living in the two extra rooms in mom's house in order to get out of debt faster. Also, the female commentator is 100% correct, they will have a built in baby sitter potentially, unless they're not helpful parents. Will they save some daycare costs and have the baby raised by family instead of strangers? I say win-win and there's nothing wrong with it. Unless the parents house is an unhealthy environment, it's stupid to have 2 rooms sitting there doing nothing while they pay a mortgage instead of getting out from underneath our debt... And they don't even want to be in that house long term.
What number do you call to speak to them I have a pickle I'm in I would like Dave's opinion on
Dude!
If they’re bringing in 140 K per year, sell the house, be debt free stay at your parents for one freaking year which can save you up to 70 K which is half of their income, that would be a pretty nice down payment for another house instead of paying rent which is pretty much paying somebody else’s mortgage for three freaking years! 😂 , If you lay down that plan to the parents , you can help them with the expenses of their home putting money in their pocket for a year, everybody helps everybody wins/Only a Real estate investor who buys properties cash to rent them out would give you an advice to go rent for three years 😏
Peace out ✌🏻
If she does not have a personal attachment to the house then I would sell it.
A new child is extremely expensive in those first few years and you want to enjoy that time and not be constantly worrying about money.
Just sell the house, wipe the debt, and rent for a few years.
Question will be how much is rent going to be if I sell the house and whats my morgage. if they are the same it won't make any difference selling the house. Buying a house is an investment 7 years from know the house is going to be worth more then it does today.
No , when renting it's cheaper in the long run because when the sink washer, ac , rug, Windows, door knobs, ect break down you won't have to pay for it the landlord will
I don’t see my way out😩😩😩
Unfortunately, this is some more bad advice being given. I would sell your house, move in with your parents for as long as you can tolerate each other, and save, save save to pay off your student loans. Paying off those loans is MOST important. You can get an apartment anytime. In the mean time, if you have parents that want you to live with them, that is a wonderful gift. Wish I had parents like that! :)
Haha that yayyyy Dave did
They earn $142,000 a year and they cant get out of debt!!!!
I like Dave’s sidekick. Good answer ‘ built n babysitter’. Speaks volumes for millinials
that's his daughter btw lol
Lol, move in with your parents and pocket the savings while having free babysitters. Not sure what Dave is thinking with throwing money away on rent if they have a temporary place to stay with free babysitting before buying again.
So who's the ravaging pixie??
Option 3: Sell the home, move in with parents.
1. Free daycare while the wife works outside the home (if she wants).
2. Grandparents may be delighted to have a baby in the home, and a babysitter you can trust.
3. Pay off all debt within 6 months
4. Save for a down payment on a home and move out within 12-18 months
If the family gets along well, I see that as an option too. The parents may enjoy having them there, especially if they have a couple of unused rooms. With that income they'd be able to help with food and utilities, I don't see them being freeloaders.
If a parent is retired and willing to be daycare its a no brainer. This 2 or 3 yr sacrifice will set foundation for generational wealth. 1k a month for housing childcare is like Christmas everyday.
People are forgetting that the parents probably don't want a baby in their house all the time, nor should they be expected to be the babysitters whenever the parents want it. The situation will lead to tension I am guessing and awkwardness in the relationships.
@@bettysmith4527-"exactly. Ai don't know why people keep saying they are "sacrifcing" when they move their entire families into their elderly parents house. It's really the other way around! Older people do not have the stamina or patience to deal with a screaming baby, but people expect that they will be delighted to give free babysitting. Older folks need to focus on their health and peace. It's not fair to assume they are okay with taking in such a disruption in their life because of their adult children's bad financial decisions. Thus family is not homeless, they just need to pay their bills out of debt like everyone else. They chose to start a family, not their elderly parents. This assuming attitude is so selfish to me and I amna millennial. I will never understand it.
Live in parent's bsmt rent free while renting out their home and beans and rice!
Depending on the culture moving in with parents would be better
it seems alot of people in the comments have daddy/mommy issues lol...
if you have a good relationship with your parents, and they are glad to be babysitters its a no brainer to go live with them for free for a year.
renting is a terrible idea as she mentioned.
staying where they are is completely fine too. they will be able to pay off the debt and be millionaires within 20 years easy if they invest a good percentage of their income each year
She did sell a car. Now she is ready to sell the house. What about all the stuff that you have? Like you need all your stuff? You could not sell some online? You have more money than you think. You do not need 50 pairs of scissors. Unless you cut hair. Are you Edwards Scissorhand?
Dave, Should i buy an 80000$ car?
I want to get into real estate so bad. Even started a channel to motivate myself. Anyone recommend going ahead and getting my real estate license now?
Of course you should get your real estate license. Even if you can’t afford to work as a starving agent right away, it’s valuable knowledge. Very few people have become rich without real estate and having that license gives you an advantage.
Cheap way to promote your channel
It wasn’t a promote man...trying to decide if I want to make the investment
Thanks for your input
Save your money gonna be a flood of foreclosures soon :)
Sell the house, you don't really like it anyways
I came too early😂
I saw you in one of the Dan Lok's video! Lol
First
I disagree with Dave. Sell home, take proceeds from home to pay off 50% of debt. Move in with parents for 6-8 months rent free (help with groceries) and aggressively pay off remainder of debt. Especially if you have a mother with extra rooms thats willing to let you stay temporary. They will be debt free in 7 months compared to Dave’s 5-7 year plan. Economy is constantly changing and in a few years your home might not be worth as much and your income might not be the same due to layoffs etc. strike while the iron is hot and pay off as much as you can as fast as you can!!! Once debt is paid entirely paid off stay with mother a few more months to save for down payment on new home.
has a kid... Dave, "Things are normalized now" lol no