/biz/ - Business & Finance

>>2712373
You should have bought a condominium studio apartment instead

Why? I'm paying 1700 for a studio ATM, not sure if it's worth it

>>2712388
>not renting a student flat forever to save money

What the hell is that even supposed to mean without any background? If you didn't spend any time researching the area you bought in or took out too high of a loan you did this to yourself.

>TFW bought house 2 years ago, going to sell it to Chinks for mad gainz.

Pros:
Land always goes up longterm
You can make it yours, change anything you want
You will always have somewhere to live

Cons:
That is a huge slab of cash that isn't making anything close to what it could be

Cons if you borrowed:
You didn't borrow right?

if you bought it with cash you should feel great. Some people spend their whole lives paying the mortgage. A paid off house is the same thing as complete freedom in my eyes.

But if dont has land and house, then you are tenant cuck, forced to obey all rules and potential 'check ups', and or deal with neighbors and general bullshit of renting..
If u buy the right property then u can resell or rent out and make gains after u get what u want out of it

>>2712438
This. Anybody who doesn't own property is not a free man. You are completely dependent on somebody else allowing you to live on their property.

>>2712373
You didnt buy a house in this inflated market? Surely not. This is a sellers market. Where you unload your shitty house on to some dupe and rent until the market collapses then buy a bigger and better house for less than half the price.

Lets say your local city is selling off peroperties for 1 dollar. But its one of those deals where you must put a certain amount of capital in to the house to complete the contract. And the house is in niggersville.

Is it worth it?

>>2712545
> the house is in niggersville
back the fuck off

>>2712373
Im in Toronto and buying a house on a mortgage is just dumb. I cant imagine how people sign over 30 years of their life for these shitboxes we got on the market now. Unless you can pay for 80% of it outright, shit aint worth it.

>>2712545
No.

>>2712545
How much do you need to put in? What conditions are there?
If they only want a couple of grand I would do it, rent it out until the niggers fucked it them sit on it until the land had real value.

Why do Americucks think buying a house is not worth it?

You're a dumbass if you bought this inflated market.

I finally got the cash saved up for a sizeable down payment on a house this year. Turned out I was 6 months too late, and now the residential housing price index is at another ATH. Instead I'm opting to rent for a year or two so I can buy the dip once the subprime auto or student loan bubble pops and the market tanks.

I plan to conservatively invest the 35k I would have put towards the down payment and not touch that money until I'm ready for the house.

I'm 25, debt free and single. I'm in no rush to take on hundreds of thousands of dollars in debt and all the responsibility of home ownership.

>>2712545
What are you going to do with it? You can't live in it and niggers don't pay their bills so you can't rent it out either.

>>2712576
Last time our city did it was 8000.

selling one of my rentals this year because we are so close to maxing out prices again.

>>2712373
You're either paying rent or you're paying a mortgage. You have to compare what you get for what you pay for those two options. Every local market is different, so you have to do your own homework.

>>2712576
Ohh you also had to live in it for 5 years or so. So 8k and you had to live in it for a while.

>>2712591
>>2712605
>8k + 5 years in the ghetto
I'll pass thanks.

>>2712613
Still though. 8k more less for a house with a small yard. People in California would kill their mothers for that deal.

>>2712613
And people in Britain would kill their whole family and go to church for that deal.

>>2712623
>>2712630
It's a great deal and I would be all for it if I didn't have to live there. If you can just change your address on paper and redirect all mail back to you I would go for it.

Housing in west is dead. Should've bought in India

>>2712642
I dont know. For 8k I think I can install a few security cams and some palisades.

>>2712438
What about the property taxes? It's not freedom

>>2712470
Unless you live in a van. Then your really free without paying the tax jew all of your money for property you "own".

>>2712373
My house is worth double what it was when I bought ('09).

>>2712874
Your being ironic right?

>>2712888
Not really.
My place is paid off, and there isn't any more space to build in the neighborhood.

>>2712558
You know that you can pay them earlier right?
People set it for 30 years but pay it off in 20 or 10 (fiscally responsible people)

>>2712397
>renting like a cuck
what is wrong with you? do you hate money?

>>2712409
>Land always goes up longterm
not always true
>You can make it yours, change anything you want
not true. zoning, HOA, neighbors will all stop you.
>You will always have somewhere to live
not if you don't pay your taxes

>>2712397
>saving money
>by paying more in rent each month than you would pay to the bank monthly if you took up a loan and bought an identical place

Financial retardation

>>2713050
>he doesn't know about the cost of home repairs

>>2712558
Just bought a house on the water last year in Windsor. Career:McDonalds manager. Fuck T.O. get out of that shithole while you can still buy on the cheap down here.

>>2713065
>he's too incompetent to do his own repairs

>>2713065
Wow anon so I have to make the occasional maintenance work and once every 10 years buy a new washing machine or dish washer.

Unless you buy a complete shit hole, the costs of repairs are small and easily managable with a rainy day fund.

t. owned an apartment for 3 years and paid a grand total of 0 in repairs

>>2713129
you owned an apartment complex or a unit? Cause no shit the repairs on a unit would be close to nothing for only three years.

>>2712373
>$70 membership to huge 24 hr fitness club.
>shower, bathroom, sinks, lockers, pool, hot tub, sauna, cafeteria, wifi, gym, basketball, areas with couch / tv, people you see regularly to socialize with.
>Put mattress in the back of a van and sleep in the parking lot.

>>2712514
this is my plan too.
I hope to use my physical silver position to accomplish this

>>2712545
Part of me wants to purchase a bunch of wasteland in DeToilet and dryland farm it or something
Then I realize what kind of taxes those retards running the city expect to get for providing zero services.

Renting when you can afford a mortgage is literally retarded. A mortgage payment builds equity. Rent just lines your landlords pockets.

>But muh maintenance costs

Everything requires maintenance you clowns. The difference is when you upgrade your home with new windows or siding you increase it's value.

>But muh property tax

...which is a total write off. I pay for my police, fire, and schools, and the feds give it back come tax time.

I've got a 3 bed 1 bath house w/ a 2 car garage in a nice city of ~25,000 thats 97% white. My mortgage, including taxes and insurance, is $700/month. Stop being morons.

>>2713728
not bad

>>2712642
lmao is it actually this bad in the us?i always thought the "dangerous neighborhoods" are only dangerous to those who don't live there.
do you have to be afraid of getting mugged stabbed/robbed as a local?

>>2713830
I looked into picking up a couple of shitholes there, but it turns out that it's really easy to get screwed.
Lots of places don't even have wiring or plumbing anymore, as it's been scavenged, and I hear you've only got a limited time to bring everything up to code, or it's your ass.
Add to that squatters who call themselves "renters" and won't leave, and I said fuck it.

>>2713833
>Renting when you can afford a mortgage is literally retarded.

Do the math. In a city of ~25,000 I'm sure you're right. In LA, NYC, Toronto etc where property prices are through the roof but rent can't keep up, rent is way cheaper. It is also possible to rent much smaller/closer-to-downtown places than it's possible to buy, which gives an opportunity for savings if you don't need much space and could get away without owning a car if you lived downtown.

You can think of the saved rent money as a dividend on your property investment. If this is 1-2% on an asset that is literally falling apart and which appreciates by ~1% long-term, it's a shitty investment. I'd guess that your market is not so euphoric and the numbers look much better, but that's something you have to evaluate on a market-by-market basis.

It also ties you to one location because there are heavy transaction costs when you change houses.

>>2712758
Think of property taxes as payment for the government to enforce your claim to property. Without government, any nigger could just claim your property as his own and you'd have to fight or kill him to take it back.

>>2713855
That's why I was thinking of just flattening an entire 'hood after purchasing and just dryland farming it with a couple of monster Steiger tractors like my cousin in Alberta does.

The DeToilet culture of entitlement and greed would not allow this to happen.

>>2713882
>The DeToilet culture of entitlement and greed
They'll probably tell you the land is only zoned for deadbeats.

>>2712973
http://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-investment/

>>2713833

>25,000

Yeah, but here in civilization, you're paying at least 2k/mo for something similar.

>>2713896
My dad likes to talk about how houses could be purchased for the equivalent of a couple year's worth of rent, at least in Indiana during the 60's.

I suspect the disconnect from the gold standard and devaluation of the dollar has contributed to the disproportionate price of housing but I'm a financial noob.

>>2712402
t. Canadian

>>2713931
>I suspect the disconnect from the gold standard and devaluation of the dollar has contributed to the disproportionate price of housing but I'm a financial noob.

It's the proliferance of people buying houses on margin, combined with a pro-ownership culture, extremely high transaction costs combined with sunk-cost fallacies, and the fact that ultimately you have to live somewhere.

It's insane, no other asset class lets people do 20x leveraged trades when they have zero financial literacy, but real estate is all about it.

>>2713833
>Everything requires maintenance you clowns
right, but remind again why I would ever be paying for maintenance costs if I'm renting? Also with renting, I don't have to spend the time doing maintenance/repairs. Instead I can apply my time spent to more lucrative ventures.

>>2713967
>It's insane, no other asset class lets people do 20x leveraged trades when they have zero financial literacy, but real estate is all about it.
All the crypto exchanges do.

>>2714000
I get it, but
>House we were renting was suddenly put up for sale
>panic
>rental market is really shitty where I live
>Have to rent a tiny fucking duplex Right Next To The Railroad Track in emergency move
>Obnoxious landlord shows up at random times without calling
>Has hand out for money, but reluctant to repair anything

>>2713920
>Own in Metro Detroit
>3bd/2ba
>$180k

Renting for something similar would be about $1300 a month. My mortgage is $1200 a month, girlfriend kicks in half of that. Why on earth don't you own a home and have a girl paying half of your mortgage in rent??

>>2713878
Rule of thumb I've heard is it takes 7 years to breakeven when buying vs renting. Primarily due to high transaction costs from commissions.

Buy house in 2012 then sell in 2017.
>mad gainz

>>2714042

Because homes in Toronto are north of a million fucking dollars, that's why.

>>2714060
I remember that long year, 2009- 2012
>economy goes to shit, houses are cheap
>No job to buy a cheap house
People were stripping the appliances and wiring from foreclosures before moving out

>>2713896
>a bullet list made on wordpress
i bet this idiot rents too.

fuck you moron. the ONLY reason you would rent is if you travel a lot and make under a mill, but I would encourage you to just make friends and never actually become an official tenant anywhere.

there is an obscene difference between the value of staying in a decent apartment and the monthly rent cost. if you're willing to put in 20-30% of your income into where you fucking sleep, make sure it's something you own.

>i want to be a poor idiot working until i'm 80 years old because i can't make a single good decision with my money

>>2714045
I did a simulation of own vs buy for a $350,000 home about a year ago. Mortgage payment would be $2167/mo vs rent $1000/mo (these were realistic numbers for where I lived a year ago).

It took 11 years for the running total of rent paid to grow larger than 11 years of accumulated mortgage interest payments.

Basically over 20 years, I'd pay $520,156.95 for a $350k home vs. $241,000.00 in renting cost.

So unless you can sell the home within 20 years and make big enough gains to make it worth the investment, renting is probably better not only on costs, but also for social and geographical mobility

>>2712402
TFW did the exact same.

Bought a foreclosure for about 150k 3 years ago. $0 down (state program gave grant for down payment).

Put about $30k renovations into it, plus mortgage payments for about 28 months (about 35k in payments).

Sold the house for 230k. I made back everything I put into it plus my payments. Walked away with $45k profit after paying off rest of mortgage on a $0 initial investment (and had a place to live for 3 years while I worked on it). Entire $80k "gain" is tax free and owe $0 in taxes on it.

>Mom wants me to get a mortgage for a condo, but I just want want to rent an apartment in the event that I get a job out of state
>BUT ANON YOU CAN PUT THE CONDO ON THE MARKET IF YOU GO OUT OF STATE

Is it worth it or is my mom being retarded? She keeps going on about how I should own my own. She works for the USDA, by the way.

>>2714127
That's crazy and must have been an odd market. Rent here is about $500 more than a mortgage payment on a similar house. It's cheaper to buy in the long run (mortgage payments build equity).

>>2714082
Toronto does not equal civilization. There's a real nice middle ground between overpopulated places like Toronto, and rural suburban retards.

>>2714151
just make sure you weigh in the HOA fees. If your mortgage payment+HOA fees are less than what you can rent it out for, then you're making money

>>2714151
friend of mine moved to Minnesota for school. He bought a house there and rented it out when he left the state. Fortunately he had good renters and ended up living off the income of houses in two states. Now he's trying to sell it for a profit (we'll see how that goes) and buy a duplex in Portland.

>>2712409
>land always goes up longterm
if population of blacks stay dormant, maybe. When the white flight hits your neighborhood you will be eating those words unless you live in the East Suburbs of Los Angeles, OC, or Canada thanks to the chinks

>>2714151
If your living situation is uncertain and you need to be mobile in order to make a living in your field, them obviously renting is the only choice. Buying is rarely worth it if you plan on living in the home for less than 5 years. The costs to sell a home would outweigh any equity that you grew in the house.

>>2714175
>>2714174
My thing is how much of a pain in the ass it is to put a house on the market? If you get a job out of state, you have to move within a certain time frame or else you're fucked out of a good job.

>>2714127
and not having to fix the place when things break or possibly mow either.

>>2714042
>paying anything more than $20k for a house in detroit
I can literally buy a 3 bedroom house in metro nyc for less than what you paid for that house.

>>2713728

an employee at google lived in his uhaul truck at the google parking lot, he ate free food and had all the services and amenities google offers

i think he was making something close to $150,000 a year, he was just addicted to saving as money as he can knowing that the silicon valley gravy train is hitting its brakes soon...

>>2714277
Depends on the market. Sold my house in 10 days, money in bank within 45.

you pay 2.5X every month to pay for the mortage, but it builds equity

but then you have to manage repairs, maintenance, taxes, labour , laws that you have to follow like shoveling your driveway / taking out the trash

if you live anywhere near an established city....your basically forced to take a huge loan to pay for your home , and taxes are in proportion to your home value so you can bleed money faster than you can pour in the hole


real-estate is a game for the rich, always has been - always will be

>>2712545
Rent it out to dumbass SJWs who will pay top daddy's dollars to be culturally enriched. You could probably get almost double the market rate if play up how vibrant and diverse the neighborhood is.

>>2714277
If you can rent it out for $100-300 more than the monthly payments+ costs, it might be worth the extra cash flow to purchase that condo. Assuming you save some of the extra income, it could offset the realtor fees if you had to sell.

Study the market and go pester a local realtor.
It might be a bigger headache than it's worth.

My friend with the Minn. house has spent three weeks working with insurance and contractors because a freak hailstorm trashed part of the roof.

>>2714162
You're missing the point. This is how people fall for the buying a house meme. Yes, monthly rents are more expensive than monthly mortgages upfront. However, it will take many months of cheaper mortgages payments to make up for the expense of real estate commissions, which are usually around 5%-6% of the property's value and are paid by the seller. It gets worse when you consider the time value of money since paying commissions occur early in the time line.

>>2714478
you're missing the point if you think the commissions are a particularly important factor in costs over time.

>meme
the meme is in treating houses as investments. everybody with a high school education or better understands that buying a house to live in is FAR cheaper than renting. but if you park your money in houses or land and think it's just going to give you easy returns without fully understanding real estate and the local market, then you will likely fail. there is a small handful of people who buy houses they can't afford, which is harder to do the equivalent in getting a lease, but saying buying a house in general is a meme is like saying growing up is a meme. which is to say nothing at all, "i'm lazy and this makes more sense to me because it's simpler"

>>2714535
> everybody with a high school education or better understands that buying a house to live in is FAR cheaper than renting
> 3 posts by this ID
> every one is calling people names and repeating this with zero evidence

>>2714348
really depends on where you live bro

>>2713920

>Civilization

I'm an hour from our 2 most popular cities and have virtually all the amenities they would provide. Why anyone would want to live where it's assholes-to-elbows is beyond me.

>>2714000

Because when you OWN your house a landlord can't jack up your rent year after year, or set living conditions, or tell you where to park your car, or demand the lawn be mowed by 10 AM every Monday, or make up some bullshit reason to kick you out so he can rent it to his wife's retarded brother, or.......

... I mean, really? Why would you not want control over where YOU live? Because you might have to replace a water heater or paint something every 10 years?

>>2714478

>What is FSBO.

Seriously, you don't need a realtor to sell your house. List it online for next to nothing. Buyer pays for an inspection. Toss a lawyer $500 to do the paperwork. Done deal.

>>2714796
When I sold my house I put it up on my own. Only had to pay 1.5% to the buyer's realtor, as opposed to the 8% sellers realtors want. FSBO is the way to go.

https://www.youtube.com/watch?v=YE9qb1Nhw4A

Here's Shkreli explaining why buying a house is a bad idea for most people.

Basically a house is a very expensive investment. You literally have to put your entire eggs in one basket and pay for it your entire life and hope it goes up in value.

For the average person who doesn't have a lot of capital that's just a terrible idea. You're far better of investing in other markets with a smaller entry cost.

The housing market is for rich people who can afford to invest in it without going broke.

>>2712397
The rent for my student flat is nearly the same as my parents mortgage for a 3 bedroom house

>>2713728
I live in a country too cold to do this
Would be smart to do

tfw in Auckland and housing is insane, 1million+ for shitty leaky homes. Gotta get the fuck out of here

>>2712581
Because you have to live in America

>perform rent vs own calculations
>assume mortgage payment is fixed
Yep, nothing abnormal here
>assume rent remains the same for 30 years
Lol are you kidding?
>doesn't wipe off interest portion of mortgage as tax credit
>doesn't factor property tax as tax credit
Literally spot the manchildren.
>Lol mortgage plebs good luck feeding the Jew for 30 years
Luck isn't required, it's entirely based upon facts
>B b but repair costs
What the fuck do you think your rent increases pay for you god damn idiot

>>2714993
not true.. i got a house in west Auckland a year ago for 440k.. the house next door is currently selling for $550k and its the same as ours but shitty looking cause its never had work done...house is MINT too

>>2715068
how far out west?

>>2714042

>detroit
>$1200/mo

you can't be serious.

>>2715075
close enough.. not gonna say which suburb exactly.. but 35min drive to the city in peak traffic at 8am... (admit its WAY faster now with the new tunnel)

>>2715086
Thats not bad, 400k is a pretty sweet deal

>>2715086
To put it in perspective though, housing in central/east (close to where I live) has sky rocketed. Houses are flipped within the year for easy 5-6 figures in under a year. If I had some capital I might have jumped into the shitshow

>>2715093
yeh and with the increase in price i recently borrowed against the house to buy lexus is-f .. so yeh.. buying a house (in nz) is absolutely worth it... even if you get a 2-3 bedroom place further out than you wanted (in a central guy so west was far when i first moved out there).. then do some simple work to make it look nice.. get a valuation ($650) and then you suddenly have huge borrowing power to maybe buy another house or a ridiculous car like me lol

>>2714060
Donald Trump greatest president in a long time

>>2713129
>owned an apartment

Thats not a house you dumb poor retard

I can't believe people are saying real estate is a bad investment.

Sure, there are bad deals and risk invovled but as long as you don't borrow more than you can pay back and if you find a house that is priced accordingly a house is 1000% better investment than renting. Renting isn't even a fucking investment.

Renting for your entire life is the quickest way to skid row.

>>2714782
>Because when you OWN your house a landlord can't jack up your rent year after year, or set living conditions, or tell you where to park your car, or demand the lawn be mowed by 10 AM every Monday, or make up some bullshit reason to kick you out so he can rent it to his wife's retarded brother, or.......

Ofc he can, anyone can demand anything. A landlord is incentivized to keep your business, if the two of you don't agree then don't do business together. Renting is a voluntary arrangement, it's not this batshit slavery contract /biz/ imagines it to be.

>>2715602
Renting isn't an investment, but putting the money you would have tied up in a house into other investments is.

I have about $3 MM in bitcoin. Do I want to sell that now and buy a house? Fuck no. I'll have taxes and hoa fees and a Mexican I'll have to pay every week to keep my stupid lawn looking ok. All that money tied up in the house could be earning way more money in Bitcoin. And unless prices really jump up or I hold for a long time, it's unlikely I'm walking away ahead after the realtor fees and all the other bs.

>>2715602
Very good point. Renting is also a way shittier dinner than pasta, and it's a way shittier school than MIT. Honestly I don't get why anybody does it.

>>2712373

>Not living in a van down by the river and shitting/showering at Planet Fitness

loling@yourlife son!!

>>2715086
Lol 35 minutes in the car. Enjoy being fat.

>>2712373
Pay cash, nigga.

>>2715683
Ever heard of opportunity cost? I can invest the money I would have paid for a home and rent forever and then some.

What is a good US city/town with a university where you could buy a house for under $300k? I'm thinking once I get enough for a down payment, I could buy something and rent it out to students, then go live abroad somewhere cheap on the money made from rentals.

>>2715698
Check yo maff, nigger.

>bought a house 5 years ago
>mortgage is cheaper than rent
>100k in equity from inflation alone

LOL
O
L

>>2712373
I can buy a comfy $35,000 -$45,000 2 bedroom house about 15 minutes out of town with my ETH profits.

Should I do it so I never have to pay rent again?

I have no debt
no car payments

Pretty much would be retired at 24 right? Would only have to make about $1,000-$1500 a month to live comfy.

>buy cheap house in shithole suburb that is being "re-developed" or "gentrified" to some extent
>close to public transport so less chance of you getting stabbed
>pay no rent/mortgage for 10 years
>buy a house in a nice area outright

was it really that hard?

>>2716003

the value of money always fluctuates
property does not
if ww3 started tomorrow and the dollar plunged you would have nothing
if you owned property then you would at least have that

eliminating costs is also kind of like making money. a penny saved is a penny earned

you shouldn't retire tho it might sound nice. keep saving and dream bigger

>>2716045
I think I'm going to buy a house in the next year.

I just don't know if I should get a cheap house ($45,000) and have about $60k left over or put $45k down on a nicer $125k 4 bedroom house in town that I can grow into. But I would have to make payments and wouldn't feel free.

The $45k house's value has gone up $7k in two years so I might even make a profit if I resell it.

>>2716045
wouldnt you lose your house as well, if hell breaks lose? no active goverment = no rights to have the property in said state

Nice, just got 100k houses!

>>2716108
You'll have to buy a bunch of furniture for a 4-bedroom house, maintenance is that much more work, the roof is bigger, the walls are bigger, etc etc. I wouldn't do this if you don't have a reason to have 4 bedrooms.

I'm also thinking about doing this, grabbing one of the $25-50k houses near downtown KCMO. The smaller the better because you'll have to paint things, replace the baseboards, fix the yard, possibly replace the roof, and so forth.

>>2713830
enjoy getting your investment destroyed by niggers

>>2715082
he said metro detroit, retard.
>>2714042
what burb anon? not downriver scum i assume?

>>2716127

It would depend on the war

if it was fought in america you might lose it but most likely it would be fought across the world so I wouldn't worry about tanks rolling up and kicking you out

>Currently Renting into some old ladys house
>$450 one room, furnished with utilities and free wifi
>she says I remind her of her son
>Does my laundry, free food

the lyf nigga
>can't bring girls or drink
>desperately want to move out

>>2716140
My thoughts on the 4 bedroom would be that I could rent a room for two. I'm in college so I could rent the rooms out as I finish up my masters.

Not sure if I would like roommates though and they could destroy the house.

>>2716187
If you can get grad students to rent your rooms, you mostly don't need to worry about noise or damage. If you can meet one and convince him/her to post to the department mailing list that you have rooms available, this is not a half-bad strategy. It would also solve the furniture problem.

But having roommates, sharing a kitchen, etc., will be a bit weird. It will pull you back into a school mindset. I don't think I'd be comfortable with this. It's hard to say.

In general I think if you're doing anything in which you're using real estate as a business, it's better to just buy a REIT and derive income that way. Money tied up in specific properties is higher risk and illiquid, and if it's your home, it's also going to have emotional weight.

>>2712581

negros can swarm into an area with little warning and leave you bagholding a worthless house

>>2716221
Oh derp, I missed that you are literally doing a masters. No need to lurk around campus, just post to your own mailing list and ask some people in related departments to cross-post for you. I think living with other grad students wouldn't be too bad at all.

But having said that, when I did my masters I lived alone, which I liked because it gave me a safe space to go to when I was overwhelmed or anxious or didn't want to be around people anymore. If you're prone to anxiety that's a big benefit of living alone.

>>2715021
>not taking into consideration the opportunity cost of the down payment on your cuckshed not being in the market

>>2713050
>not doing both and having the condo pay for the cuckshed

>>2713854
>13+% African American population
>They all cluster up in specific areas to the point there are cities the size of some European countries that are 80% black
>Whites subsidize them having unlimited children and the required prisons to house them all
>How bad could it be

>>2714948
I did it in Michigan. It gets to below freezing temperatures in the winter. I used a propane heater and a sleeping bag meant for mountain climbers. Wasn't the most comfortable but definitely survivable. But yeah your rent would basically just be the gym membership. It's such a cheap way to live you can get by with little or no wage cucking.

>>2716321
I've been living alone in my apartment for 4 years.

To bad the ETH gains didn't come in until my last year, would of been nice if I could of set this all up from the start. But beggars can't be choosers I guess.

I might be to greedy too. I bought the dip in ETH at $205-$210 and I think it might go to $500.

If I got the house I would have to cash out and give up those future gains.

>tfw you bought your house with ETH gains

>>2716170
>Metro Detroit
But that's where the niggers live