BOOMER: "Just buy a house. Stop renting and build equity."
ME: "Houses are $450,000."
BOOMER: "So get a mortgage."
ME: "I need a $90,000 down payment."
BOOMER: "I bought my first house with $5,000 down."
ME: "What did your house cost?"
BOOMER: "$60,000."
ME: "So you put down 8% of the price. I need to put down 20%."
BOOMER: "Well your salary should be higher."
ME: "I make $70,000 a year. Banks say I can afford a $280,000 house max."
ME: "Everything in my area costs $400,000+."
BOOMER: "You should move somewhere cheaper."
ME: "All the jobs are here. If I move, I make $35,000 and houses still cost $250,000."
BOOMER: "It's about discipline and sacrifice."
ME: "You bought a house for 3 years of salary. I need 6 years of salary."
ME: "Plus I have $50,000 in student debt you didn't have."
BOOMER: "Well I worked hard."
ME: "So do I. I'm just playing a different game with worse odds."
BOOMER: *silent*
You didn't buy a house because you were smarter. You bought it because it was actually affordable.
[Video] HEARTWARMING Daniels 22-week-old micro preemie baby boy raised his hand right on cue as his dad sang the word Hallelujah https://t.co/O0q3J8QoXn