Mine would overheat and had to be underclocked. It’s maxed at 4.5ghz. On top of that it’s loving to wreck me on 1% lows. In halo I’ll get noticeable screen freezes. In a new release city builder manor lords it starts to struggle when my town population gets around 800+. It’s just time.

That is super encouraging I plan to get the 9800x3d and let my 9700k rest. I’m feeling Jt’s age as of late.

I’m letting my 9700k go on this go around it is time.

I bought then sold 2 years later then sold 4 more years after that. Never had to save more each time I sold I had the DP for the next house. I let the appreciation do all the work for me.

Now I’m in a 3900 sqft house that I can comfortably afford and I put 20% down without additional funds coming from me.

That would be communism and boy do old people fear that c word

Had a wise guy tell me once “if you wait until you are ready to have kids, you will never have kids”

It’s very true. Waiting until the circumstances are perfect often has you waiting until you no longer are capable of having kids. OP can make this work they can shuffle things around to accommodate a child.

Yea mine changed for August and if forbearance lifts that’s when I’ll pay

And that means the 5% just keeps going until October right?

I got an updated payment notification but my wife hasn’t. I think you just gotta give it time.

Just one more month…. To just one more year

At 5.75% I’m waiting out for about a 5% or with points 4.5%. My best 2-3 years will tell if I’m even going to be here long enough for it to matter. Good to hear your perspective

I go with VUG they likely are very much the same.

What is your plan if rates don’t move? I’m on a 5/5 ARM at 5.75% from December 2023. I believe it will drop but preparing for it not to as well.

Up 20% down 17% about the same thing right?

It makes for great entertainment though

Now I know why people aren’t having as many kids. It takes at least that to afford them.

I stopped dating when I married my wife. She didn’t much like the idea of me dating anymore

That’s wild to me. Seems very in the banks favor which surprises me of the EU

I can guarantee anything you say will not dox yourself.

OP is 30 it ain’t happening

Don’t ask me my friend is the optometrist not me. Why go to 4 years of school to be an optometrist when you have ophthalmologist? Couldn’t you just do like you said 2 years be trained for detecting possible issues and refer complicated stuff to the ophthalmologist?

But what’s the point of flipping you only made the case for the one side of it

I’m saving that by sacrificing in other areas that I used to enjoy in life. Now that I have a 2nd kid I have another to pay for daycare, diapers, formula, 529. I’m sacrificing to achieve that rate. and even still some months I’m negative hence why I should pull back as I can’t afford to continue

At 32 im trying to catch up to not saying a penny until I was 30

I guess they think people actually think we believe 3% is coming back a that person is an idiot that made them think that.

I’m on an ARM from 12/23 in all honesty. I’m betting they come down. 7.75% was what I was offered and said f that I’ll take the ARM. So my bet is on less than 7.75% which I can already do so good bet.

Doesn’t feel like it. Like I said with that savings rate and two kids in daycare 190k student debt and 1 car payment it’s month to month with us having to cut spending. We’re both government workers and that income is just enough. I’ve considered cutting it to 10% but am trying to hold on.

I plan to leave my job soon in hopes for higher compensation