Buying a home seems fucking retarded these days and feels like self induced slavery if you don't buy it cash.

>15/30 year mortage, you wont own it for fucking 15 to 30 years
>can't leave city you bought the house in unless you rent it out (if you do leave you have to hire management to take care of rent for you)
>losing your job is even more stressful
>home repairs can be expensive as fuck

Getting a mortgage on a home isn't buying it.

>>60666892 (OP)
>if you don't buy it cash.

i bought it cash

>>60666892 (OP)
We had a weekend debate if its better to invest a million in a house in the west or into a life in sea

>>60666937
you just go for vacations in SEA
no one wants to live around bugs
if your country is full of niggers then just move to eastern europe or denmark

only buy a home outright or not at all

>>60666916
>>15/30 year mortage, you wont own it for fucking 15 to 30 years
>>can't leave city you bought the house in unless you rent it out (if you do leave you have to hire management to take care of rent for you)
>>losing your job is even more stressful
>>home repairs can be expensive as fuck
its all true.
also though
equity
roots, build a life in a community, have a family in it
spending 1,2,3k dollars a month and having nothing to show for it in the end.
sure, you can let all the influencer faggots tell you how the rich are so smart for renting blah blah blah, they are all faggots that will burn in the pit.

>>60666978
If you spend all your money on mortgage you'll have none for crypto

>>60666892 (OP)
It's a concept from when things moved so slowly that you could get an education and work with that for life in one place. These times are long gone.

>>60666994
This
life is super volatile now
there is no such thing as safe employment anymore

>>60666983
if you spend all your money on your mortgage, you bought something you couldn't afford.
i get this is the catch, nothing is affordable anywhere you might actually be employed...this is one of the cornerstoner reasons why the country is in terminal decline...late 20 somethings can't buy a house, they can't settle in and start making babies and building lives.

>>60666994
>>60667003
its extremely bad, globalism, feminism, boomers, silent gen, faggots, post modernists, journalists....

>>60666892 (OP)
It's easy if you commit

Well buy in a good city and build a family their, it's your job as a man to provide and pay off that house for your family instead of being a rent cuck paying someone else's mortgage off.

>>60667003
>there is no such thing as safe employment anymore

Doctor
Surgeon
Nurse
Emergency Services (Medics, Fire, Police)
Aged care workers

These people will never lose their jobs

>>60667074
im tired of the trad /pol/ faggots on this board, how do we exterminate them?

>>60667087
doctor: wrong, chatgpt can replace them
surgeon: right
nurse: right but they will be underpaid
emergency: right as above
aged care workers: right but you have to clean old asses + underpaid due to competition flooding the domain

they also can't work remotely so it sucks

>>60666892 (OP)
Then keep renting. I'm sure your landlord will be happy to have you continuing to pay his mortgage for him

>>60666892 (OP)
the problem is that it is extremely overpriced right now

>>60667087
I use a combination of AIs if someone in my circles has some symptoms, and it just outperforms.
There's been a small study, doctors with AI got 75% right, cutting them out completely got 90%.
So millions are dying unnecessarily simple because there are still doctors in the AI diagnosis process.

And have you seen robots juggling in the Nvidia demos in 2023?
Robots with superhuman precision are no ten years from production.
If you start studying surgery now, you will watch the bot do it before you even get the loicense.
The only cuntries where this is still a viable career are heavily corrupt, like Germany and the USA.
There you will get paid to cause death with your human shitwork. So have fun drinking your conscience away.

>>60667048
Just wait till some doomsday fanatic puts interspecies prions into the food chain.
And AI will completely eradicate small business with volatility.

>>60667087
>These people will never lose their jobs
Not sure about the rest of the world but in the US, these people are overworked, some underpaid, and it reflects in the work they do. Turnover rates and under qualified staff is leading to higher negligence which only adds more stress to the situation. These types of fields aren’t what they used to be

90% of my nw is in my house(300k)

Should I sell it and become a rentoid? My interest rate is 3.45%

>>60666912
tell that to the real estate industry

>>60667112
healthcare workers are not protected from layoffs... hospitals are for profit businesses like any other

>>60666892 (OP)
Watching rentoids attempt finance is always a laugh

>>60666892 (OP)
Out entire economy is based on slave labor but with extra steps. The point is to get you hooked in where not working is such an unatractive deal that you must work or else you lose the roof over your head, the food in your belly, the insurance that keeps your cancer from coming back. Then they say you have a choice when really they made a system where you don't have a choice at all.

>>60667098
You better figure it out fast because antinatalists constrict in one generation

>>60668122
>constrict
Go extinct*

>>60668075
The real estate industry is fucked and irrational. Retards and putting all their wealth into what is practically fancy prisons. The only benefit is not having noisy neighbours, that's it. Anyone who isn't some normie settling down with a meathole should stick to renting or at the very least buying the cheapest possible home imaginable, especially if you're not a cuck to some bitch.

>>60668153
yeah i've literally never had a problem with neighbors when renting. i guess everybody is renting in the fucking ghetto or something

>>60666941
>eastern europe
That's equivalent to also niggers disguised as "white". Dumbass doesn't know any eastern europeans lmao

>>60668447
i live in eastern europe
it's safer than france, germany, uk and belgium
whiter also, but this is obvious

>>60666892 (OP)
buying a home is financially suboptimal compared to renting.

>>60666892 (OP)
>Buying a home seems fucking retarded these days and feels like self induced slavery if you don't buy it cash.
that's why I stocked up $1.5+M

Buy it cash (maybe keep a small mortage on it so people don't think you're too rich) or keep working at it.

>>60666937
>debate if its better to invest a million in a house in the west or into a life in sea
debate probably oversubscribed by childfree coomer types

I write this to you from Taiwan and I formerly lived in PH. SEA places begin to flop hard as soon as you impregnate, because what future will your children have? Int'l school, which coomers don't budget for, is not a solution to all the issues.

Take the homeless pill, dont go back. the vagabond nomad. set up hydro electric to power an arduino. play retro games . die in nature

buying something like a condo sounds like a cucked meme but im realizing it sounds perfect for a lonely faggot like me.
>go figure
what is the best option for a single person to buy housing?
a townhouse? a condo?

steal internet from farmers their passwords are usually 'corn' or 'wheat'

>>60668797
Something tells me teddy was not a rentoid

>>60668797
completely useless citation

>>60667729
>These types of fields aren’t what they used to be
name an alternative better. smart guy with family $ should go doctor from that list btw, not the underpaid others I agree.

but anyways what is better? I was a 300k/yr software engineer. $1.55M nw after recent layoff.

>>60667112
>doctor: wrong, chatgpt can replace them
can, but will it>>60667638
>The only cuntries where this is still a viable career are heavily corrupt, like Germany and the USA.
this anon puts it well. "Will GPT be allowed to replace?" is the key question

>>60668839
>>60668843

>>60669034
based

>>60666892 (OP)
I simply prefer leverage trading, and the interest rates appear reasonable considering the impending hyperinflation.

>>60669073
this is the true path to wealth aside from leveraging HELOCs. Money velocity with margin is how riches are made in markets.

It's not even worth buying a home in cash and renting it out. Single family homes are going for over 300k around my area and will rent for ~2k. After 12k a year for property tax, insurance, and home repairs whats fucking left?? Better to leave it in index funds

>>60667656
>Just wait till some doomsday fanatic puts interspecies prions into the food chain.
And it will turn out to be a glowie operation just like the 2001 anthrax attacks

>>60669159
>It's not even worth buying a home in cash and renting it out. Single family homes are going for over 300k around my area and will rent for ~2k. After 12k a year for property tax, insurance, and home repairs whats fucking left?? Better to leave it in index funds
people buying to rent it out are like 15 years late to the start of that game

>>60666941
>move to Europe
>get taxed 70%

lol retard

>>60669229
>lol retard
the "run from USA" crowd always pull some funny ideas out of the hat

>>60667112
Surgeons in my get money from Medicaid and Medicare. If it’s not givsmedat, it ain’t happening. some plastic doctors make good money with cash patients, but the ones I’ve met were all fucked up divorce raped several times. I’d rather be poor

>>60666892 (OP)
the whole move out meme got people in debt for life. in europe you stay with your parents, they help with cooking and raising kids if you have any, you save money and build or buy a house. imagine being 20 or whatever and pissing away half of what you earn instead of investing it and letting it compound

>>60669034
>bubble gut from the shitty McGoyslop Erythritol additives
No thanks.

>>60669229
In Germany you pay 30% tax

>>60666892 (OP)
In Germany our interest rates are under 2.5%