How Much House Can My Girlfriend and I Afford?
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- Опубликовано: 22 фев 2021
- How Much House Can My Girlfriend and I Afford?
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LOLOLOLOLOL
This is one heck of a business. SaaS! Zero marginal cost!
How many people came here just to hear Dave’s response to confirm what we already knew he was going to say?
🖐🏾
✋
haha
✋🏻
so me..all ready hahah..truee
It’s crazy to me how many callers clearly aren’t listeners.
most listeners know what to do from watching, lol
@@musicismysaviour22yearsago
Many don’t read so I guess they have no choice but to wait on a video.
I smoke marijuana in my RUclips videos to pay my rent 🤑😂💰💰
Without them, there would be no show.
@@SevenHunnid that’s cool just make sure it’s no more than 1/4 of your take-home pay.
Caller's "Dave, I listen to you all the time"
Caller then proceeds to ask a question that's been answered a million times.
The thing is.. the Dave Ramsey show continues to take these easy questions and avoid all the hard stuff. I seen this question asked at least 5000 times. I dont see Graham Stephen or meet kevin get these questions
@@abrahamflores2566 they continue to take these question because literally everybody in this country does the same stupid things. They are all sheep.
Your are more than Welcome to help in your community with other kind of questions
@@sammader5456 maybe the actual sheeps are people blindly appplying everything Dave Ramsey says without thinking for themselves?
@@perotal not once did someone call the show complaining that he/she got out of debt, paid the student loan, paid off the mortgage, or brought items with cash. your never too smart to learn from Dave or others. Remember there’s a lot of things out there that we don’t know about
@@sammader5456 Dave Ramsey did not invent the simple concept of spending less than you make. Now, does he have some things in his plan that make sense? Absolutely.
Does he have things I completely disagree with? Absolutely.
That is when critical thinking, educating yourself come into play so you can decide YOURSELF what is best for YOU. People in this community fail at that part, which makes them sheep.
Have a good day.
A mortgage with a girlfriend?? I wouldn’t even get a car note with a girlfriend lol
I wouldn’t with a bf either.
Or a cell phone plan
@@bonbonbennett8553 women be awful these days.
Without watching the video. He gonna tell them to get married
Don't buy the house before you get married.
As he should. Don't buy a house if you're not married
@@JohnM0rris I genuinely don't get the aversion to it. Marriage isn't for everyone; take the right legal precautions obviously, but imo the marriage part is fairly irrelevant.
@@katy3901 if you want to draw up partnership agreements and establish legal protections in the case of certain eventualities then I’d imagine he’d have less of an issue. His argument isn’t the moral implications, it’s the legal implications.
@@benwhitnell Fair. My issue is more with how this is presented as "don't by a house together unless you're married!" rather than the more reasonable (as I see it) "if you're buying a house together, prepare for all eventualities".
As a 21 year old, it feels like so few of us are willing to do these things in the proper order. Just marry the woman. If you’re not ready to get married you’re sure not ready to buy a house together.
to many younger generations were raised by older generations who rushed into young marriages and went through terrible divorces and are worried
Dave: Sell the girlfriend
Yup!
She’s already on beans and rice!
These troll accounts (look at the username) just swoop in with the same old comments they know everyone will thumbs up.
@@jeffwvu4602 , I have two points to make regarding your comment: 1. I'm not convinced the comment you question is submitted by a "troll." Whoever they are, they are hiding for SOME reason. 2. A girlfriend or boyfriend that doesn't evolve into a husband or wife is, in fact, a depreciating asset so it would be wise, in my opinion, to dump said money/time/energy pit.
Chris - “When’s the wedding?” 🤣💀
I saw the title and came straight to the comments.
Me too!!!!!!!
It's amazing how casual people can be about the idea of purchasing a house with a girlfriend or boyfriend.
Because if you both want it and are perfectly fine with that responsibility why not?! Marriage changes people! Not the best option.
@@E36ASAP yeah it's just most people don't know how to embrace the change correctly that's the issue.
@@scrolltestimonial because people see it as your property aka I own you now and also "roles" she does this he does this a relationship means you both do what needs to be done to help the relationship! People lose this concept
@@E36ASAP yeah it's not easy to figure out especially if you never had an example of what it should be like or what it looks like which I feel like a lot of people don't have I struggle with it quite often
@@scrolltestimonial yea I went through it and well now finishing up a divorce that I should've taken care of but I say these things from experience and a marriage changed her
Dave and Chris are spot on: get married and then buy the house together. Good advice, Dave and Chris!
As supacent said: "I'd never buy a house together, buy your own houses. She get one , and he get one. Move in together and now you have a income property. When you both get tired of eachother, she got her house and you have yours"
I was totally thinking about Supacent 😂😂😂 she’s hilarious
Ready to jump into a partnership on a house, but not as eager to jump into a partnership on life, their priority's are a little askew.
couples do not have to be married to be partners. plenty of non married couples take their relationship more seriously than some married couples
@@eatpigsnot Exactly. Imo marriage isn't necessary and doesn't say much about the state of a relationship.
@@katy3901 It doesn’t say much until somebody picks up and leaves you penniless. If you’re not married, you’re single. If you choose to walk away while married, there are many more legal ramifications. If you choose to walk away while single, there are probably no legal ramifications.
@@bres9977 Maybe look at what I actually said; that it doesn't say much about *the state of a relationship*. You're arguing against a point I didn't make.
@@katy3901 I read what you said but my opinion still differs from yours. Getting married says a lot about the state of a relationship. People are going to do what they want to do regardless. If you don’t think marriage is necessary before joining your life with someone as though you are married, fine. Most people I know don’t think that way but maybe the people you know do.
WE ALL KNEW THE FIRST THING THEY WERE GOING TO MENTION WAS MARRIAGE 😅
Marriage is a trap. Dave is so blue pilled it's not even funny anymore.
@@ryanj357 Thats unfortunate.
@@ryanj357 Dave has a prenup he is biased, Ironically he only says people with huge income disparities should get prenups, so basically do as he says not as he does
He's definitely gonna buy a house with her ASAP. You can hear it in his voice - he doesn't wanna get married.
You hear a lot.
I know more people who have better common law relationships than marriages. Marriage is a trap.
@@ryanj357 thank you! Dave says get married! But once you do that now you're legally responsible for that debt!! No matter what you do that debt is now yours!! I know because it happened to me!! Student loans got paid because they took my money!! Me and my current gf both helped each other get out of debt and we are gonna buy a house and yes we do wanna get married but we don't care of we get married or not we've been just fine and even have a business together!! Everything Dave has said not to do doesn't apply to all!! We are more than good now and also no need for religion
@@E36ASAP Yup a woman worth being with is one who doesn't care about a marriage contract. You're only responsible for debt if you cosigned the debt. If it's under the others name you are not responsible for it.
@@ryanj357 That's some cool anecdotal info. And that's fine if you feel that way. Lol
Caller: My girlfriend and I want to buy a home in Los Angeles and i'm not sure if we can afford the..
Dave: Presses the mute button
There's no "we" (yet) bro.
I think someone pranked him by telling him to call Dave.
You know, sometimes I don't agree with Dave, but in this case he's right and it's a message for me. My kid is looking to buy a house with his girlfriend and I haven't said anything against it. I better get my act together!
How did that went?
@@mikepayns9586 They have not decided on a house yet, but the house is going to be financed exclusively through my step-son. There isn't going to be anything shared. One person will basically pay rent to the other. Luckily they decided that on their own.
@@Iffy50 thats a better decision! Glad your problem got solved
@@mikepayns9586 Agreed! Thank you!!
I would hold off on the house, get married first and then find something... you never know what may be available that is actually a better option than what you're looking at now.
@James T what if he's not worth it?
@James T I don't know how you think that statement is relevant to what was said. You do you mate.
@James T well we dont really know either one of these people... ssssooooooo, my response isn't far from what Ramsey said... so my response isn't really a "girl" response... your argument is irrelevant and your point is invalid...
Oh God, I knew what Dave was gonna say the second I read the title. I’m not ready 😂😩
Dave, always speak the truth! I'm sure that's not what he wanted to hear. Well, I hope he heard them.
Never buy a house with someone you’re not married to.
You would think this would be common sense but sadly it isn't. If wanna live together premarital then just RENT or one already owns THEIR house. Another huge deal on this is don't just marry to be able to follow these rules as that is just piling TNT onto a wood burning stove
I don't see the problem, provided you draw up a contract and have wills in place to guard against legal issues.
Meh, depends what kind the other person is. Some people are fair and will draw the line down the middle if the relationship goes sour so that both parties are satisfied.
@@katy3901 Exactly you don't need to get married people need to remember its 2021 you can have a will and then the other partner will get the home if something happens!
@@rory644 Completely. I totally get the legal protection argument and it's obviously something to exercise caution about, but many of my friends were raised with unmarried parents who jointly owned or rented the house/flat they lived in. People point to correlations about breakups and single parenthood, but they don't tell the actual story of a relationship.
When you already know what Dave is going to say before the video starts.😂
Never ever buy any property with someone you’re not married to. In fact don’t sign any papers at all with someone you’re not married to. 😀😀😎
Seems extreme.
😁👍 including the marriage papers
The day after my husband and I got married, we joined bank accounts. Not a minute before.
@@bres9977 This person isn't talking about joint bank accounts, they're talking about buying property...
@@katy3901 I know that and I know how to read. My point in saying that: don’t jump ahead. Get married, join bank accounts (smaller) then buy the house (bigger).
Caller: How much house can we afford?
Dave: Sell the car.
Beans and rice too
He always says that 😂😂😳
Dave’s advice was realistically good. I concur with him on this one. If you’re not married and plans to buy a house can be a disaster if things don’t go well. A good defense is a good offense. 👍🏽👍🏽
They explain it on point...
@@insideoutsideupsidedown2218
No, Dave doesn't explain Titles.
I bought my house with my GF, Titled as Unmarried Man, sole and separate property.
Got Married, Married Man, sole and separate property.
Had Kids, Community property with rights of survivorship
When the oldest is 18, Titled in trust.
If GF dies, no probate on the home, FREE title transfer.
Whoever reads this, keep grinding don’t give up.
It's hard but it's what we gotta do
love the information the ramsey shows provide
The girl/boyfriend financial questions are Dave favorite questions lol
I just came to listen to a DR rant!
I bought a house with a friend. It was a joint purchase. When it came time for him to move on with his girlfriend I bought out his half with the help of my girlfriend who later became my wife. Everything worked out fine. The inspection stuff I agree with, not buying an over valued house I agree with. Being married serves a different agenda and has nothing much to do with buying a house, apart to serve tradition and religious sensibilities.
Boy it's like you didn't even listen to Dave's explanation at all. You got luck man you're an outlier. "Oh yeah well I also had another friend who..." great he's an outlier. It's like you didn't grasp any of the legal ramifications whatsoever. Your story is a perfect example of why this only works if absolutely nothing goes wrong.
Oh people, have you not learned that Dave does not like living together.
@@exceldetail He's alright with a couple living together (even in an apartment)... as husband and wife. All you have to do is to look for his videos on "shacking up".
It's not about "liking," living together is counterproductive in many ways and one being financial- just as Dave is saying. Grown ups don't play house. They are either all the way in or out.
Ahhh trying to play house early in my life. I too remember those days of the Simp.
I hate that “simp” term.
Us old folks call them chumps
@@mikebrownbassist802 simp term has been around since the late 80s
😂😂😂
I learned the hard way about PMI. They told me when my balance got to a certain point I could remove the PMI. Turns out this was a blatant lie and when I tried t do it, I found out I was still stuck with it for a lot more years - was still paying it when I sold. Lesson learned.
I think the big house is a subconscious diversion from the fact that he or they do not really want to get married, otherwise a date would be set.
Marriage isn't for everyone, but many people will still want to get on with their lives.
I like mellow Dave lol sometimes I flinch when someone asks this question thinking a roasting is coming but it’s nice to hear Dave calmly response lol
He's 100% still gonna buy the house.
Yup
They didn't even touch upon the financial aspect. Can almost guarentee they are buying more house than they can afford setting aside the disaster of buying before marriage. They should at least do a premarital agreement because I agree, they are going to buy the house. Should have just given them some advice on the math too.
Yep because SIMP 🤦🏼♂️
He is signing the docs as we type lol
Yep
Saw the title and immediately was afraid for the caller 😅😅😅
Buy the house on your own. One of you can move in with the other but it needs to be one person's house.
It's 2021, not 1950. More and more people are realizing marriage is a terrible idea and avoiding it altogether.
Well that got dark real fast lol
That's still a bad idea from a legal standpoint say if the relationship doesn't work out the one that doesn't own the house is still going to feel like that house is just as much theirs especially if they financially contributed to the house
@@MyNameIsCorey Right, not an ideal situation, and yet marriage doesn't fix that at all.
I'd argue to still buy together, just have legal protections in the form of wills and contracts preparing for a potential relationship breakdown.
I hate it when I watch live and then think there's a new video out like this one, but it's something I've already seen. :)
I LOVE questions like this because we all know the answer coming!!!!
Think if it this way: Would you buy a house with your friend? No. so just because you kiss, cuddle etc. with a friend doesn’t mean you should buy a house with them. Stop playing house
I know friends who've bought a flat together. Of course, prepare for the worst and make sure you have contracts written up in case of a breakdown. But I don't get this aversion to joint owning without marriage; it's just not for everyone.
Exactly!
As a newlywed (presuming it goes through) first-time home buyer, how much of a house you can afford is the wrong question for him to be asking. This young man needs to be asking how small/cheap of a house can I/we tolerate living in until the financial circumstances improve.
15 seconds in I knew exactly how this call was going to play out.
I think the idea them getting married part scared both of them him .. I would like to see a follow up on this to see if the split or still together... .
Funny, he cut him off before he could answer the actual question.
I laugh so hard waiting for what creative passive aggressive marriage advice from Chris and Dave. Oh it's comedy. Dude had no idea what he was walking into.
Playing house never works. I know a guy who did this during the shady mortgage stuff where they mortgage processor put on the application they were engaged when they were not, got the house with her and seriously they split like within less than a month of them moving in basically acting like roommates then she moved out taking almost everything. They both worked in a restaurant, got a nice cookie cutter subdivision house and I bet it got foreclosed on. I bet its even worse now in 2021.
No income asking question and basing it off that? I was hoping for that lol..
“You two” can’t buy a house. She can buy one or you can buy one.
This is what I suggested to a couple of friends not yet married. House prices were way down, they weren't quite ready to marry, but she could afford to get it on her own, so I suggested that. She was looking at it as a huge commitment. It didn't have to be. I also purchased my first house solo, with my then girlfriend's input, but not as a couple. I was looking to buy for a long time before we started dating. We weren't buying the house. I was buying the house.
They are right! Don’t do it! I work in the mortgage industry and I have seen this issues over and over again! It’s not good! 💥💥💥💥💥💥
I read this as “How much girlfriend can I afford”
great to know. it may save me a lot of trouble later since I'm in the same situation.
This is a terrible idea you don’t make marriage decisions until after you both say “I do” .
Not everyone believes in marriage. It's called common law partnership. Lots of people decide to do it that way and have no problem with it.
When they started talking about shacking up before marriage, I'm thinking they probably are newer listeners.
A house is one of the biggest asset purchases of our entire lives. Quite important to be very prepared I'd imagine! Looking to hopefully buy a house in the next few years!
Don't even get married. Bro, just buy the house on your own. Keep it simple. Health, wealth, and happiness.
😂
🍿 for this one 😂😂😂
A lot of calls like this recently
Listen to Dave y'all, been there done that, GET MARRIED FIRST.
What happened?
@@roolyfe listen to Dave Ramsey.
Finally after two years of watching Dave and Chris, I have found something that I disagree with. First of all I'm a Ramsey fan for life. My life has been forever changed for the better because of Dave. My girlfriend and I will get married one day for sure. We bought a house together and paid cash for it in 2014. At the closing we were allowed to stipulate that in the even that something happened to either one of us, the house would automatically go to the other.
Yes. 🙌 This annoys me. He always says that and it's not true. My fiance (boyfriend at the time of purchasing) and I did the same thing. They asked us who the house would go to if we died.
Haha you lost them when you said “girlfriend” 🤣🤣
none- do not buy with a girlfriend unless you can do it on your own.
bought my house when single its the best move and still single still the best move saved tons.
This annoys me so much 🙄 I purchased a house with my boyfriend and they asked if we wanted the house to go to the other person or the beneficiary if we die. We agreed we wanted it set up to go to the other person. So no we would not own it with the others mom. Second, life doesn't always go in the order you want. Some people choose to never get married. We bought a house, we talked about having a baby unmarried (depending on our time line of when we plan to have a wedding) turns out we are having the wedding this fall and having a baby after. But we didn't need marriage to buy a house or have a baby. That is so old school christian thinking. They need to be more accepting of modern ideas.
😂😂😂😂
What about PMI vs renting? Where are you losing more money? Do you pay PMI until house is paid off?
real question is pmi + property taxes + utilities. Depending where you live can come close to rent. Making the only real gain any appreciation the house has as well as having a home to live.
When did it become the RAMSEY SHOW?!
NOO!
I think he hung up the phone😂.lol
Nope, Dave muted him cuz you know, they're not married and live in sin and good old Dave disapproves
This question is typically Dave’s favorite question
This is going to be GOOD *grabs popcorn 🍿*
Ok but they still should have assessed the financial situation & given the advice he was asking for.
$0 DO NOT MARRY DO NOT COHABITATE.
Letting your religious beliefs allow you not not think rationally I see.
Couples that cohabitate don’t have as healthy relationships as couples who just get married. 1st marriages end 40% of the time. It’s not great any each way
@@rerungirl pulling numbers out of your behind and not understanding statistics. This is why ignorance is so widespread in US.
Come onnnn!!!💪💪💪💪
I knew the minute when I read that title what was all about, obviously the caller didn't have a clue of what he was getting into.
He walked right into that one
2:25 the word you're looking for is "forewent". Sounds weird but it's a perfectly cromulent word.
I knew what they were gonna say before I clicked the video haha
Knew the answer just by looking at the title!
NEVER, EVER get yourself financially committed in any way with ANYONE who isn’t legally related to you. Simple.
The worst is when they decide to start having children without being married, then the mess begins
yeah, because all married parents are so good at parenting
@@eatpigsnot Think of this purely in stats-specifically prison stats and homes of origin.
The numbers are clear. Just because people make it home fine after drink driving doesn't mean we should drink and drive. Just because there are bad married parents doesn't mean that people should be single parents.
I think the link between marriage is correlative, not causative. Imo depends entirely on individual circumstance, and marriage just isn't for everyone. I have loads of happy, healthy friends whose parents weren't married.
@@eatpigsnot that's true. Usually, parents that marry before having kids Usually forsee having a family together and better future building than legally single ones. Though marriage isn't a black belt on love, it is a good indicator of other things such as stability and higher income.(at least for one of the partners)
Though these are just things you would have anyways being that I would assume that people marry people that they have a healthy relationship with.
And paying thousands *more than the house is worth* just because the interest rate is low is another level of scary 😨
@3:00 Chris, I pay Mortgage insurance and it only cost me $80. I've refinanced several times now and it has never been over $100. Please don't tell people it adds hundreds of dollars. It may not be good still, but from my personal experience it does not cost that much. (and yes id still love to get rid of it and working toward it).
$80 per month? If yes thats hundreds of dollar over the course of loan right?
PSA: Your girlfriend will feel that you should buy more house then you need and proceed to not pay for half of it.
And want to be a stay at home girlfriend
@@josephinenelan4204 haha
Who hurt you?
@@katy3901 The same kind of person who will hurt the caller.
@@dodgeplow That's a very inaccurate and melancholy take on life.
I got married a year after we got our house, we are fine
Don't buy a house with your girlfriend, don't by a house with your wife either, LOL!!!😂😂😂
My first reaction is None...
Surprised Dave didn’t mute him when he said girlfriend
Always get the home inspection! And if you're thinking that you might not get the home if you don't agree to skip the inspection,, then you just dodged a bullet.
In my State, if you get a home inspection that's written,
then It becomes disclosable to the lender and in the future.
Example: A $15K house rewire needed was pointed out.
You go to sell, and buyers can't get a loan (defective house)
Mortgage (Bank) inspectors won't remove the the Dead Front plate
in the circuit box to inspect.
But your home inspector should.
Similar situation - boyfriend/girlfriend have been living together for a couple years but not married yet. Ready to purchase a home and stop paying rent. would Dave approve of the higher income earner buying the house as an individual?
I'd bet not. The legal ramifications of living together (dependant upon the jurisdiction) would be such that a cohabitant (gf/bf) MIGHT be able to claim an ownship without having contributed to the purchase. Marriage makes two people into one legal entity where living together keeps two people in a legal limbo.
@@UnderDog1911 uhhh asking for a friend......LOL. Appreciate the response!
Dave does not approve of “shacking up”
When I saw the title, I clicked to see the Dave smack down. AND why do people insist on buying houses with their girlfriend or boyfriend?! That’s just stupid
agree with the advice but they didn’t answer the question
At least answer the question for after they are married.
We bought our house before we were married. Joint tenants. No issues. Got married afterwards. No issues....
YET
Do you live in a Community property State?
If the Title was Joint Tenancy without rights of Survivorship.
she could have assigned her half of the house to someone else or added another tenant
to her half without your Knowledge.
Does anyone think housing prices will drop if rates go up?
Real Estate bubble and low interest rates. ☹️
IKR
Didnt even click, he went off on them for not being married. Am I correct?
Lol
For a 6 month emergency fund how much cash should that be? I know everybody's different but what's the average?
It's so variable. I'm aiming for 4,000 GBP, but my expenses are pretty low.
@@katy3901 what falls under emergency funds? Mortgage car insurance cell phone gas electric water grocery shopping? Stuff like that?
These callers are trolling at this point. Lol