1 00:00:05,200 --> 00:00:07,520 Speaker 1: Hey, this is Annie and Samantha. I'm welcome to stuff 2 00:00:07,480 --> 00:00:08,280 Speaker 1: I've never told your protection. 3 00:00:08,480 --> 00:00:20,439 Speaker 2: I heart radio, and welcome to another edition of Monday 4 00:00:20,440 --> 00:00:23,800 Speaker 2: MANI where I'm confused about the day and just saying 5 00:00:23,880 --> 00:00:29,040 Speaker 2: random things because I'm offer a good start anyway, today 6 00:00:29,240 --> 00:00:32,800 Speaker 2: I kind of had some interesting thoughts and I guess 7 00:00:32,880 --> 00:00:37,599 Speaker 2: advice because as it's been almost two years, so I'm 8 00:00:37,640 --> 00:00:42,199 Speaker 2: coming up on my second anniversary for house hunting and 9 00:00:42,800 --> 00:00:46,879 Speaker 2: being a homeowner. I'll be second year in May, so 10 00:00:47,200 --> 00:00:49,200 Speaker 2: I'm sure we'll do something. I'll do something then too. 11 00:00:49,479 --> 00:00:52,880 Speaker 2: But I found some really interesting tidbits and conversations that 12 00:00:52,960 --> 00:00:54,800 Speaker 2: have been going around on TikTok and just in the 13 00:00:54,840 --> 00:00:58,240 Speaker 2: news in general, which I think is very important for 14 00:00:58,320 --> 00:01:01,440 Speaker 2: us to have a conversation about when comes to owning homes. 15 00:01:01,880 --> 00:01:04,920 Speaker 2: Of course, there's this back and forth that everybody and 16 00:01:05,000 --> 00:01:08,160 Speaker 2: all the generations are having essentially, and essentially it's pretty 17 00:01:08,200 --> 00:01:14,120 Speaker 2: much millennials, gen Zers and half of Gen xers against 18 00:01:14,400 --> 00:01:17,520 Speaker 2: the older gen xers and boomers talking about the fact 19 00:01:17,560 --> 00:01:21,840 Speaker 2: that buying a home is almost impossible, especially today as 20 00:01:21,840 --> 00:01:23,679 Speaker 2: we look at the interest rates and what was what 21 00:01:23,720 --> 00:01:26,600 Speaker 2: has been happening, What's happening, and who owns the homes 22 00:01:26,959 --> 00:01:30,200 Speaker 2: and why this conversation of if you just didn't go 23 00:01:30,240 --> 00:01:32,560 Speaker 2: to Starbucks, which don't go to Starbucks, but if you 24 00:01:32,560 --> 00:01:34,800 Speaker 2: didn't go to Starbucks into for ten years you could 25 00:01:34,840 --> 00:01:38,560 Speaker 2: get a house, and that is absolutely not true. This 26 00:01:38,600 --> 00:01:41,440 Speaker 2: conversation of being able to be a millionaire if you 27 00:01:41,520 --> 00:01:45,319 Speaker 2: just save safe, safe, still not true. I think our 28 00:01:45,360 --> 00:01:49,920 Speaker 2: retirement in itself, when it comes to our retirement plans 29 00:01:50,000 --> 00:01:51,920 Speaker 2: and the investments that we have to do because we 30 00:01:51,960 --> 00:01:56,120 Speaker 2: don't have a choice, are showing this is not how 31 00:01:56,160 --> 00:01:59,560 Speaker 2: this works. This saving that an investing bit is not 32 00:01:59,600 --> 00:02:04,960 Speaker 2: working for us because the powers powers that be have 33 00:02:05,000 --> 00:02:07,360 Speaker 2: already made their money and are going to keep their 34 00:02:07,360 --> 00:02:12,000 Speaker 2: money and don't care about anybody else. That's a very 35 00:02:12,040 --> 00:02:15,720 Speaker 2: cynical take. I apologize, but that's what it looks like. 36 00:02:15,760 --> 00:02:17,360 Speaker 2: And I say this as a person who was able 37 00:02:17,400 --> 00:02:21,320 Speaker 2: to finally buy a home and get a decent interest 38 00:02:21,400 --> 00:02:26,079 Speaker 2: rate and is looking at what I could or can 39 00:02:26,160 --> 00:02:29,800 Speaker 2: do different or if there is any other differences that 40 00:02:29,840 --> 00:02:34,320 Speaker 2: can be done in location. I'm also seeing a lot 41 00:02:34,320 --> 00:02:36,440 Speaker 2: of videos and we've already talked about it this once 42 00:02:37,120 --> 00:02:40,000 Speaker 2: about that it is more single women who are owning 43 00:02:40,040 --> 00:02:43,720 Speaker 2: homes than not, and how that has like grown and 44 00:02:43,800 --> 00:02:47,280 Speaker 2: leaps and mounds and we love it, and in general 45 00:02:47,320 --> 00:02:50,840 Speaker 2: it is women who are owning homes. And one of 46 00:02:50,840 --> 00:02:53,360 Speaker 2: the big things in this debate that there was a 47 00:02:53,400 --> 00:02:55,720 Speaker 2: woman who came on and all she did was statistics. 48 00:02:55,720 --> 00:02:58,560 Speaker 2: All she said was, these are the people who own it. 49 00:02:58,560 --> 00:03:03,440 Speaker 2: It looks like the holmes are being owned mainly by women, 50 00:03:03,880 --> 00:03:05,799 Speaker 2: and it's amazing, we love to see it. 51 00:03:05,880 --> 00:03:06,880 Speaker 3: Blah blah blah. 52 00:03:07,120 --> 00:03:11,520 Speaker 2: And the comments, the comments were surprising, and it all 53 00:03:11,880 --> 00:03:14,720 Speaker 2: pretty much it was like, there's got to be a 54 00:03:14,760 --> 00:03:18,480 Speaker 2: Reddit thread that, of course I'm not into Reddit, but 55 00:03:19,160 --> 00:03:23,959 Speaker 2: where they have figured out a conspiracy theory about how 56 00:03:24,160 --> 00:03:27,000 Speaker 2: these women or people in general who are succeeding that 57 00:03:27,080 --> 00:03:29,720 Speaker 2: is not them or their demographic and that it is 58 00:03:30,280 --> 00:03:34,680 Speaker 2: something that they didn't do. Essentially that they were like 59 00:03:34,760 --> 00:03:38,360 Speaker 2: all these men and they were men accusing these women 60 00:03:38,400 --> 00:03:39,000 Speaker 2: of getting the. 61 00:03:38,960 --> 00:03:42,160 Speaker 3: Houses through divorce. Like there were so. 62 00:03:42,320 --> 00:03:44,640 Speaker 2: Many comments, how did she get it, did she win 63 00:03:44,720 --> 00:03:46,440 Speaker 2: it in divorce? Did she do this because they've got 64 00:03:46,440 --> 00:03:49,000 Speaker 2: a divorce because she took the house? Like they every 65 00:03:49,080 --> 00:03:51,560 Speaker 2: single comment, and I was kind of shocked that that 66 00:03:51,760 --> 00:03:56,240 Speaker 2: was the conclusion of how a woman could own a 67 00:03:56,280 --> 00:03:59,160 Speaker 2: home now, which I'm like, oh, are you divorced and sad? 68 00:03:59,280 --> 00:04:02,200 Speaker 2: Is that why you're saying this? Are you projecting because 69 00:04:02,240 --> 00:04:04,840 Speaker 2: you're sadly divorced now because you're an idiot? Like I 70 00:04:05,280 --> 00:04:08,400 Speaker 2: don't understand that this comment because I was kind of 71 00:04:08,400 --> 00:04:10,720 Speaker 2: like it was we all know and we've all been 72 00:04:11,280 --> 00:04:14,920 Speaker 2: aware that the comments and the sexist comments when it 73 00:04:14,920 --> 00:04:18,320 Speaker 2: comes to women who succeed in anything, it's going to 74 00:04:18,400 --> 00:04:22,960 Speaker 2: be annoyingly trollish. But the fact that they were jumping 75 00:04:22,960 --> 00:04:26,440 Speaker 2: to divorce and like, of course, to my satisfaction, there 76 00:04:26,440 --> 00:04:28,480 Speaker 2: were so many women who like, I've never been married, 77 00:04:28,520 --> 00:04:30,279 Speaker 2: this is my house, as in fact, I owned it 78 00:04:30,279 --> 00:04:32,240 Speaker 2: before I got married. He moved in with me and 79 00:04:32,240 --> 00:04:34,479 Speaker 2: I kicked him out like that. This is some different 80 00:04:34,800 --> 00:04:36,919 Speaker 2: different talks and the fact that they had to even 81 00:04:37,040 --> 00:04:43,000 Speaker 2: like provide that information to get any kind of justification. 82 00:04:43,160 --> 00:04:45,039 Speaker 3: And the woman who. 83 00:04:44,839 --> 00:04:47,279 Speaker 2: Did this, I believe he was a real estate person, 84 00:04:47,640 --> 00:04:50,000 Speaker 2: was talking about the fact that women were owning and 85 00:04:50,040 --> 00:04:52,680 Speaker 2: then had to flip with a different video of like, wow, 86 00:04:53,560 --> 00:04:59,279 Speaker 2: these men are sincerely insecure, like beyond insecure, and are 87 00:04:59,320 --> 00:05:02,880 Speaker 2: going through some things that really show This is why 88 00:05:02,920 --> 00:05:04,880 Speaker 2: she doesn't want to be with you, whoever left you. 89 00:05:05,120 --> 00:05:09,760 Speaker 2: This is the reason why your projection here is the 90 00:05:09,800 --> 00:05:13,000 Speaker 2: reason why. And I'm sorry if she took your house 91 00:05:13,040 --> 00:05:15,080 Speaker 2: and I'm putting that in quotes, but you're going to 92 00:05:15,120 --> 00:05:16,920 Speaker 2: need to calm down. 93 00:05:17,279 --> 00:05:19,240 Speaker 3: And also what did you do wrong? Can we talk 94 00:05:19,279 --> 00:05:19,640 Speaker 3: about that? 95 00:05:20,360 --> 00:05:22,360 Speaker 2: So I thought that was interesting as a conversation and 96 00:05:22,400 --> 00:05:26,520 Speaker 2: this stuff, but women just can't have things without men 97 00:05:26,600 --> 00:05:39,640 Speaker 2: jumping in. And then also this is something that I 98 00:05:39,720 --> 00:05:42,640 Speaker 2: wanted to advise people. So a few things that I'm learning, 99 00:05:43,320 --> 00:05:47,160 Speaker 2: and the real estate and a homeowner world that of 100 00:05:47,200 --> 00:05:50,279 Speaker 2: course I was kind of prepared for already jumping in 101 00:05:50,440 --> 00:05:53,240 Speaker 2: because the reason, the whole reason I went to buy 102 00:05:53,279 --> 00:05:57,240 Speaker 2: house is my partner and I were together the rent 103 00:05:57,800 --> 00:06:01,119 Speaker 2: for our home who was owned by an individual, private person. 104 00:06:01,160 --> 00:06:05,359 Speaker 2: So it's not like a company was exceeding like my 105 00:06:05,440 --> 00:06:09,400 Speaker 2: original It was doubling within two years in an area 106 00:06:09,440 --> 00:06:11,680 Speaker 2: that was okay, and in the house that did not 107 00:06:11,839 --> 00:06:14,839 Speaker 2: have its own washing machine. I just finally got a 108 00:06:14,839 --> 00:06:16,799 Speaker 2: dishwasher after living there for four years. 109 00:06:16,839 --> 00:06:17,480 Speaker 3: Like all these. 110 00:06:17,360 --> 00:06:22,400 Speaker 2: Amenities that does not exist that you think, well, at 111 00:06:22,480 --> 00:06:25,040 Speaker 2: least you would with that price. You should have no, no, 112 00:06:25,240 --> 00:06:27,719 Speaker 2: there's none of these things. And so it got to 113 00:06:27,720 --> 00:06:30,039 Speaker 2: the point where we're like, no, the interest rates were 114 00:06:30,320 --> 00:06:32,960 Speaker 2: kind of low, slowly going up then, but like it 115 00:06:33,000 --> 00:06:36,039 Speaker 2: may make more sense. I have saved up money. I 116 00:06:36,080 --> 00:06:38,120 Speaker 2: have saved up enough money that I'll have extra money 117 00:06:38,160 --> 00:06:42,080 Speaker 2: if something goes wrong and then go from there. And Melody, 118 00:06:42,200 --> 00:06:44,960 Speaker 2: who is a friend of the show, which we should 119 00:06:44,960 --> 00:06:47,719 Speaker 2: have her back on real soon. Anyway, she was the 120 00:06:47,760 --> 00:06:50,600 Speaker 2: person who was helping me go through this process because 121 00:06:50,640 --> 00:06:53,840 Speaker 2: of course, you know, we talked about responsibly buying, so 122 00:06:54,080 --> 00:06:57,240 Speaker 2: making sure you're not buying from a company, making sure 123 00:06:57,320 --> 00:06:59,599 Speaker 2: you're not going into an area that you're part of 124 00:06:59,600 --> 00:07:04,200 Speaker 2: the problem of the gentrification problem, being very cautious and 125 00:07:04,320 --> 00:07:08,400 Speaker 2: aware of what in who you're going in with all 126 00:07:08,440 --> 00:07:11,760 Speaker 2: those things. So I went in with Okay, sat down, 127 00:07:11,960 --> 00:07:14,360 Speaker 2: gave her my I had to give her my finances, 128 00:07:14,360 --> 00:07:15,640 Speaker 2: and like these are the things I can do and 129 00:07:15,680 --> 00:07:18,440 Speaker 2: can't do. I went in knowing that I wanted to 130 00:07:18,480 --> 00:07:19,120 Speaker 2: be owner. 131 00:07:18,920 --> 00:07:19,320 Speaker 3: Of the house. 132 00:07:19,360 --> 00:07:23,120 Speaker 2: I didn't want any messy ties or non t you 133 00:07:23,120 --> 00:07:25,400 Speaker 2: know things that that was like, Okay, this is my responsibility. 134 00:07:25,400 --> 00:07:27,200 Speaker 2: If something goes wrong, it's going to fall back on 135 00:07:27,320 --> 00:07:29,560 Speaker 2: me solely and That's how I wanted to keep that 136 00:07:30,040 --> 00:07:32,360 Speaker 2: like my parents didn't help me at all, like that 137 00:07:32,440 --> 00:07:36,560 Speaker 2: we didn't have any of that. I followed my melodies 138 00:07:36,560 --> 00:07:39,880 Speaker 2: advice for anything and trusted the process with her, which 139 00:07:40,160 --> 00:07:42,760 Speaker 2: that's the first thing. Find a real estate agent that 140 00:07:42,880 --> 00:07:46,240 Speaker 2: you can trust. There's a lot of things flipping right now. 141 00:07:46,280 --> 00:07:49,920 Speaker 2: There was a big lawsuit that just happened in which 142 00:07:50,200 --> 00:07:54,160 Speaker 2: once upon a time, the buyers were not responsible for 143 00:07:54,200 --> 00:07:56,880 Speaker 2: your real estate agent's fee that came out of the 144 00:07:56,920 --> 00:08:00,600 Speaker 2: sellers when they sold the house. That is switching has changed. 145 00:08:00,600 --> 00:08:02,440 Speaker 2: A lawsuit has come out and that they believe they 146 00:08:02,440 --> 00:08:04,200 Speaker 2: have one. I don't know who is they, because it 147 00:08:04,240 --> 00:08:07,080 Speaker 2: wasn't the real estate agents have one in which now 148 00:08:07,240 --> 00:08:10,560 Speaker 2: that responsibly will fall back onto the buyers, which seems 149 00:08:10,680 --> 00:08:14,360 Speaker 2: kind of good for the seller, not great for the 150 00:08:14,360 --> 00:08:17,320 Speaker 2: buyer who is already the one that's paying down or 151 00:08:17,480 --> 00:08:19,800 Speaker 2: buying the three hundred four hundred, five hundred thousand dollars 152 00:08:19,840 --> 00:08:24,360 Speaker 2: home to have to add another twenty thousand and thirty 153 00:08:24,400 --> 00:08:27,240 Speaker 2: thousand on the on the bill. So a lot of 154 00:08:27,280 --> 00:08:29,640 Speaker 2: conversations about you know, who is this protecting? Who isn't 155 00:08:29,640 --> 00:08:30,240 Speaker 2: it protecting? 156 00:08:30,320 --> 00:08:31,400 Speaker 3: Is this right? Is this wrong? 157 00:08:31,680 --> 00:08:34,000 Speaker 2: It's definitely going to shift things. There's a lot to 158 00:08:34,040 --> 00:08:37,480 Speaker 2: have this conversation and like understand who you're using and 159 00:08:37,559 --> 00:08:40,080 Speaker 2: who's going to help you. Because I also like came 160 00:08:40,120 --> 00:08:42,360 Speaker 2: out when I bought this home it was a good 161 00:08:42,400 --> 00:08:45,200 Speaker 2: deal for what it was at the time that it 162 00:08:45,360 --> 00:08:48,600 Speaker 2: was the person sell the people selling it made double 163 00:08:48,800 --> 00:08:52,320 Speaker 2: essentially like what they've paid because they jumped so quickly 164 00:08:52,320 --> 00:08:57,720 Speaker 2: for them and then having understand that they're a real agent, 165 00:08:58,120 --> 00:09:01,240 Speaker 2: they could have done more. Like they were really like, huh, 166 00:09:01,280 --> 00:09:01,840 Speaker 2: why didn't you do? 167 00:09:02,000 --> 00:09:02,439 Speaker 3: Like we were. 168 00:09:02,559 --> 00:09:05,760 Speaker 2: We had questions about who they were using, but in 169 00:09:05,800 --> 00:09:08,280 Speaker 2: the end, like it turned out, well, they got their money, 170 00:09:08,280 --> 00:09:11,280 Speaker 2: we got what we needed, and Melanie did an amazing 171 00:09:11,360 --> 00:09:13,640 Speaker 2: job and making sure I knew what was going because 172 00:09:13,640 --> 00:09:17,240 Speaker 2: I was freaking out the entire time. The amount of stress, 173 00:09:17,440 --> 00:09:20,840 Speaker 2: the amount of panic attacks, the amount of like heart palpitations, 174 00:09:20,840 --> 00:09:23,560 Speaker 2: of understanding I was putting this type of commitment into 175 00:09:23,559 --> 00:09:27,520 Speaker 2: something was like huge. So we were having that conversation 176 00:09:27,720 --> 00:09:30,160 Speaker 2: and like knowing that I had other friends who were 177 00:09:30,160 --> 00:09:32,079 Speaker 2: buying homes and they didn't know their real estate A 178 00:09:32,120 --> 00:09:36,640 Speaker 2: did as well. I'm like, eow, that's a huge, huge, 179 00:09:36,679 --> 00:09:39,400 Speaker 2: important thing, And I know that seems like an obvious 180 00:09:39,800 --> 00:09:42,679 Speaker 2: but you have to understand who you're going in with 181 00:09:42,720 --> 00:09:43,840 Speaker 2: because this is a lot of money. 182 00:09:44,360 --> 00:09:46,080 Speaker 3: Second is that taxes. 183 00:09:46,240 --> 00:09:49,920 Speaker 2: Taxes change and they can significant, Like I've heard stories 184 00:09:49,920 --> 00:09:54,200 Speaker 2: of people saying it doubled their payment because of taxes alone. 185 00:09:54,320 --> 00:09:58,160 Speaker 2: And by the way, state and county taxes are ugly 186 00:09:58,480 --> 00:10:00,800 Speaker 2: and they will take advantage of you. You have to 187 00:10:00,880 --> 00:10:04,040 Speaker 2: go through and check your records, so expect a jump. 188 00:10:04,160 --> 00:10:07,920 Speaker 2: Mine went from what it was originally, and this is 189 00:10:07,920 --> 00:10:09,400 Speaker 2: how I'm like, oh, yeah, I could have done that. 190 00:10:09,440 --> 00:10:11,560 Speaker 2: I can definitely do this to oh it went up 191 00:10:11,600 --> 00:10:14,880 Speaker 2: two one hundred and fifty dollars a month because of taxes, 192 00:10:15,200 --> 00:10:17,040 Speaker 2: and they're like, oh, we didn't do this properly. This 193 00:10:17,120 --> 00:10:19,560 Speaker 2: wasn't done properly. And this is with all the tax 194 00:10:19,720 --> 00:10:22,720 Speaker 2: simptions that I went through the Home Seat Act, all 195 00:10:22,760 --> 00:10:25,360 Speaker 2: of that. I did those because I was like, I 196 00:10:25,400 --> 00:10:27,199 Speaker 2: gotta figure out what's going on. 197 00:10:27,840 --> 00:10:29,880 Speaker 3: But that changes every year. 198 00:10:29,960 --> 00:10:33,800 Speaker 2: Now we've seen conversations about how that has ousted a 199 00:10:33,840 --> 00:10:36,199 Speaker 2: lot of people who've owned their home for very long time, 200 00:10:36,440 --> 00:10:40,839 Speaker 2: but the taxes has gone crazy and almost is unaffordable 201 00:10:41,040 --> 00:10:43,160 Speaker 2: for them. And that is something that you have to 202 00:10:43,200 --> 00:10:45,280 Speaker 2: think about in the future as well. Hopefully you can 203 00:10:45,280 --> 00:10:47,480 Speaker 2: fight things because there are such injustices in this that 204 00:10:47,520 --> 00:10:51,200 Speaker 2: I was like, what is going on, but being prepared 205 00:10:51,200 --> 00:10:53,080 Speaker 2: for that, of course, being prepared for the extras like 206 00:10:53,400 --> 00:10:54,200 Speaker 2: oh did a. 207 00:10:54,240 --> 00:10:55,359 Speaker 3: Rat eat my dishwasher? 208 00:10:55,520 --> 00:10:55,720 Speaker 2: Yeah? 209 00:10:55,960 --> 00:10:56,480 Speaker 3: Yeah I did. 210 00:10:56,640 --> 00:10:59,040 Speaker 2: Did it cost me like eight hundred dollars more? 211 00:10:59,120 --> 00:10:59,360 Speaker 3: Yeah? 212 00:10:59,480 --> 00:11:03,880 Speaker 2: Yeah, Still very mad about this rat raoul did me dirty, 213 00:11:05,120 --> 00:11:07,800 Speaker 2: But having that understanding of that cost as well. And 214 00:11:07,840 --> 00:11:11,760 Speaker 2: then also when it comes to like rental properties, we 215 00:11:11,800 --> 00:11:14,000 Speaker 2: need to be on the lookout of who And I 216 00:11:14,080 --> 00:11:16,880 Speaker 2: know that's one of those things you can't be choosy. 217 00:11:16,920 --> 00:11:21,120 Speaker 2: Sometimes you can't be choosy at all, and people are lost. 218 00:11:21,160 --> 00:11:24,280 Speaker 2: So many scammers, so many scammers. I have seen so 219 00:11:24,360 --> 00:11:26,320 Speaker 2: many people just taking a house and be like this 220 00:11:26,360 --> 00:11:28,400 Speaker 2: is up for rent, give me this, and looking official, 221 00:11:28,400 --> 00:11:30,040 Speaker 2: and it turns out it's not up for rent at all, 222 00:11:30,440 --> 00:11:32,720 Speaker 2: and you just gave a deposit away and you signed 223 00:11:32,720 --> 00:11:34,480 Speaker 2: something and you moved out thinking you were moving into 224 00:11:34,480 --> 00:11:38,160 Speaker 2: a home and it's not at all. As in fact, 225 00:11:38,200 --> 00:11:41,360 Speaker 2: in Atlanta it came out recently and we've kind of 226 00:11:41,360 --> 00:11:43,720 Speaker 2: all known this. You can go back and see behind 227 00:11:43,720 --> 00:11:46,280 Speaker 2: the bastards. I did with Robert where we talked about 228 00:11:46,320 --> 00:11:49,840 Speaker 2: rent in general and who owns all these things, But 229 00:11:49,920 --> 00:11:53,040 Speaker 2: the actual thing is three corporations and this was us 230 00:11:53,080 --> 00:11:57,520 Speaker 2: the beginning of March actually own nineteen thousand metro Atlanta 231 00:11:57,600 --> 00:12:02,280 Speaker 2: homes and they're holding it, holding it. So there's just 232 00:12:02,559 --> 00:12:05,480 Speaker 2: contriput Like Zell had been called out at one point 233 00:12:05,960 --> 00:12:09,439 Speaker 2: about their games and this and trying to drive prices 234 00:12:09,559 --> 00:12:14,000 Speaker 2: up to gain money, also holding onto it to rent 235 00:12:14,040 --> 00:12:17,840 Speaker 2: to people for an absorbent amount of money because they're 236 00:12:17,920 --> 00:12:19,400 Speaker 2: taking advantage of people. 237 00:12:19,800 --> 00:12:22,160 Speaker 3: It is really, really, really gross. I know. 238 00:12:22,240 --> 00:12:23,920 Speaker 2: I want to say one of the company black Rock 239 00:12:24,559 --> 00:12:26,920 Speaker 2: has been around, has been around and been buying this 240 00:12:26,920 --> 00:12:30,200 Speaker 2: stuff up, and it sounds like a conspiracy theory, which 241 00:12:30,240 --> 00:12:33,120 Speaker 2: is why I think Robert did that episode that he did. 242 00:12:33,440 --> 00:12:38,640 Speaker 2: But the fact that they are power behind so many things, 243 00:12:39,000 --> 00:12:40,880 Speaker 2: and housing is just one of those things, and they 244 00:12:40,920 --> 00:12:43,520 Speaker 2: are part of the responsible parties in driving up these 245 00:12:43,559 --> 00:12:46,640 Speaker 2: housing prices and driving up this rates and driving. 246 00:12:46,400 --> 00:12:47,079 Speaker 3: Up so much. 247 00:12:47,200 --> 00:12:49,080 Speaker 2: So there's this conversation that needs to be had that 248 00:12:49,160 --> 00:12:52,920 Speaker 2: it is not good. I know, any I've been trying 249 00:12:52,960 --> 00:12:54,280 Speaker 2: to convince you to buy a house, but then I 250 00:12:54,280 --> 00:12:56,719 Speaker 2: was like, stops up. Stop, don't don't do it right now, 251 00:12:56,880 --> 00:12:59,679 Speaker 2: everything is gross. It is not a buyer's market, and 252 00:12:59,720 --> 00:13:03,400 Speaker 2: the gun government is only helping in assisting large companies 253 00:13:03,720 --> 00:13:08,880 Speaker 2: to keep driving up these prices. Supposedly there's an investigation 254 00:13:08,960 --> 00:13:12,000 Speaker 2: about it, and they did like knock down some of 255 00:13:12,040 --> 00:13:14,600 Speaker 2: the companies like Zell, a Peg or two, But it 256 00:13:14,679 --> 00:13:18,000 Speaker 2: was after outcries of realizing who was making this market 257 00:13:18,200 --> 00:13:21,880 Speaker 2: so unaffordable And with that, I was trying to see 258 00:13:22,000 --> 00:13:27,040 Speaker 2: who may have some of the better affordability, And sadly, 259 00:13:27,720 --> 00:13:29,400 Speaker 2: these are the same places that you may also if 260 00:13:29,440 --> 00:13:31,319 Speaker 2: you're a woman, do not have many rights. 261 00:13:31,520 --> 00:13:33,440 Speaker 3: So take that for what you will. 262 00:13:33,480 --> 00:13:35,840 Speaker 2: Because the number one for cost of living and number 263 00:13:35,880 --> 00:13:39,960 Speaker 2: one for housing of affordability is Mississippi. The number two 264 00:13:40,000 --> 00:13:43,640 Speaker 2: cost of living is Alabama, but the number two affordability 265 00:13:44,080 --> 00:13:48,400 Speaker 2: housing afford ability is West Virginia, so a lot of 266 00:13:48,400 --> 00:13:50,880 Speaker 2: them are in the Southern states. So like for I've seen, 267 00:13:51,920 --> 00:13:58,040 Speaker 2: Alabama is number four for cost of housing affordability, number 268 00:13:58,040 --> 00:14:01,040 Speaker 2: forty four in the best stays to live in overall. 269 00:14:02,400 --> 00:14:05,360 Speaker 2: Mississippi was number forty eight in the best state to 270 00:14:05,440 --> 00:14:08,120 Speaker 2: live in overall. So there's a lot that you're like, 271 00:14:09,320 --> 00:14:11,560 Speaker 2: do I want to live there. Okay, maybe I could 272 00:14:11,600 --> 00:14:14,480 Speaker 2: afford it there, but do I want to actually live there. 273 00:14:14,600 --> 00:14:19,520 Speaker 2: Iowa actually stands at number six as affordability, number five 274 00:14:19,520 --> 00:14:22,200 Speaker 2: are the cost of living, number eight for housing affordability, 275 00:14:22,400 --> 00:14:27,320 Speaker 2: and number seven in the best States overall. So hey, listeners, Iowa, 276 00:14:27,320 --> 00:14:29,040 Speaker 2: tell us what's going on over there, because I'm kind 277 00:14:29,040 --> 00:14:31,480 Speaker 2: of shocked. I don't know anyone that lives in Iowa. 278 00:14:31,640 --> 00:14:33,960 Speaker 2: No offense, I just don't see you. 279 00:14:35,360 --> 00:14:36,360 Speaker 3: Yeah you do. 280 00:14:36,800 --> 00:14:40,240 Speaker 2: I don't know anybody who's from Iowa. I need to 281 00:14:40,400 --> 00:14:45,560 Speaker 2: I need to expand my friend group, I guess countrywide, 282 00:14:46,600 --> 00:14:47,560 Speaker 2: So shout out to Iowa. 283 00:14:47,680 --> 00:14:48,800 Speaker 3: Let me know what's going on there. 284 00:14:49,400 --> 00:14:53,360 Speaker 2: But yeah, it's definitely some conversations about what's affordable, why 285 00:14:54,240 --> 00:14:56,680 Speaker 2: is it safe, and even know some of the states 286 00:14:56,680 --> 00:15:00,120 Speaker 2: that we called out not safe for women at all. 287 00:15:00,240 --> 00:15:03,000 Speaker 2: Georgia ended up being number twenty seven. So like we 288 00:15:03,040 --> 00:15:04,720 Speaker 2: are for cost of living, like we are in the 289 00:15:04,760 --> 00:15:08,920 Speaker 2: middle with twenty six, number twenty six for housing affordability, 290 00:15:09,680 --> 00:15:12,520 Speaker 2: twenty one in best states overall. So we're middling. We 291 00:15:12,560 --> 00:15:13,160 Speaker 2: are an. 292 00:15:13,000 --> 00:15:18,080 Speaker 3: Average crew which we're mid. We're mid. We're gonna stay mid. 293 00:15:21,920 --> 00:15:28,000 Speaker 2: I guess Idaho, which I have heard of people wanting 294 00:15:28,040 --> 00:15:30,400 Speaker 2: to move to Idaho. I heard they have a really 295 00:15:30,440 --> 00:15:33,240 Speaker 2: like bustling art district and art area, so someone needs 296 00:15:33,240 --> 00:15:35,080 Speaker 2: to tell me about that. But they are number three 297 00:15:35,120 --> 00:15:39,560 Speaker 2: in the Best States overall housing affordabilities at twenty five 298 00:15:39,680 --> 00:15:42,600 Speaker 2: and cost of living is at seventeen, so you know, 299 00:15:43,520 --> 00:15:46,880 Speaker 2: there are some things to consider. I would not move 300 00:15:46,920 --> 00:15:49,080 Speaker 2: at any point at this point at this time because 301 00:15:49,280 --> 00:15:53,440 Speaker 2: obviously I'm very established. Thought about Ireland, keep thinking about it, 302 00:15:53,440 --> 00:15:55,040 Speaker 2: but like I just bought this house. I don't think 303 00:15:55,040 --> 00:15:58,000 Speaker 2: I can do this. And it's not a buyer's market. Oh, 304 00:15:58,040 --> 00:16:00,600 Speaker 2: it is a buyer's market, but no one's buying. That's 305 00:16:00,640 --> 00:16:03,800 Speaker 2: part of the problem. It's interesting to see with these 306 00:16:03,800 --> 00:16:06,800 Speaker 2: conversations in these lists about who and what this is 307 00:16:06,800 --> 00:16:10,760 Speaker 2: going to affect. Again, women are now gaining access to 308 00:16:10,800 --> 00:16:15,840 Speaker 2: it more. I'm wondering, like, is there any causality into 309 00:16:15,880 --> 00:16:20,160 Speaker 2: why it's getting more difficult now? Hmm, I don't know, 310 00:16:20,560 --> 00:16:24,960 Speaker 2: you know, like that must be another conspiracy theory. Apologies, 311 00:16:25,320 --> 00:16:28,240 Speaker 2: but like in my head, I'm like, Eh, we just 312 00:16:28,280 --> 00:16:29,040 Speaker 2: can't thrive. 313 00:16:29,160 --> 00:16:30,120 Speaker 3: Y'all just won't let us. 314 00:16:41,160 --> 00:16:43,800 Speaker 1: This is interesting because I have an episode coming up 315 00:16:44,960 --> 00:16:46,920 Speaker 1: because I do have a lot of friends who are 316 00:16:47,600 --> 00:16:51,480 Speaker 1: renting in apartments and are like, have had these conversations 317 00:16:51,480 --> 00:16:56,480 Speaker 1: allowed to me of like this, it's expensive, but I 318 00:16:56,480 --> 00:16:58,560 Speaker 1: feel safer. But I would like to save money, but 319 00:16:58,600 --> 00:17:01,680 Speaker 1: it means moving to somewhere I won't feel so safe. 320 00:17:02,160 --> 00:17:05,600 Speaker 1: I've been looking at moving and I was just curious, 321 00:17:07,000 --> 00:17:12,080 Speaker 1: and I was researching, like I want to know who 322 00:17:13,040 --> 00:17:18,320 Speaker 1: like the landlord breakdown like gender wise, yes, it's mostly men, 323 00:17:18,680 --> 00:17:21,000 Speaker 1: but it was more close than I thought it would be. 324 00:17:21,240 --> 00:17:24,600 Speaker 1: But one interesting thing that I found was the landlord's 325 00:17:25,920 --> 00:17:29,159 Speaker 1: kind of openly said that they have gender stereotypes that 326 00:17:29,240 --> 00:17:34,159 Speaker 1: effect when they're going to who they'll rent to, and 327 00:17:34,240 --> 00:17:37,160 Speaker 1: of course race also plays into it, which we've talked 328 00:17:37,160 --> 00:17:42,000 Speaker 1: about before, but that they were being so stereotypical, I 329 00:17:42,040 --> 00:17:45,080 Speaker 1: was kind of shocked you said that out loud. But 330 00:17:45,560 --> 00:17:51,600 Speaker 1: one of their things was basically perception that women won't 331 00:17:51,600 --> 00:17:53,640 Speaker 1: be able to fix stuff, so the house do more 332 00:17:53,680 --> 00:17:56,520 Speaker 1: work if it's a woman who's renting. 333 00:17:57,160 --> 00:17:59,480 Speaker 3: So really I assumed it would be that women will 334 00:17:59,520 --> 00:18:00,520 Speaker 3: be cleaner and quiet. 335 00:18:00,560 --> 00:18:06,920 Speaker 1: They said that too, but they prefer the man who 336 00:18:06,920 --> 00:18:10,040 Speaker 1: they believe will be able to fix stuff, whereas the 337 00:18:10,080 --> 00:18:13,320 Speaker 1: one like literally one person said they don't know how 338 00:18:13,320 --> 00:18:19,040 Speaker 1: to screw in light bulbs, Like they said, yeah, women 339 00:18:19,160 --> 00:18:21,080 Speaker 1: don't know how to screw in light bulbs. So I'll 340 00:18:21,080 --> 00:18:23,880 Speaker 1: have to be coming in like really. 341 00:18:24,440 --> 00:18:27,520 Speaker 2: Wow to be fair, maybe just like it's not my responsibility, 342 00:18:27,560 --> 00:18:28,239 Speaker 2: so I don't want to. 343 00:18:28,600 --> 00:18:28,879 Speaker 1: I know. 344 00:18:29,000 --> 00:18:30,240 Speaker 3: That's the part of it. 345 00:18:30,720 --> 00:18:32,720 Speaker 1: That's the other part of it. Because then is it like, 346 00:18:33,280 --> 00:18:36,040 Speaker 1: because we have that perception of women being high maintenance, 347 00:18:37,000 --> 00:18:39,720 Speaker 1: is it just anytime she complains about something, you're like, oh, 348 00:18:39,760 --> 00:18:40,879 Speaker 1: she's being high maintenance. 349 00:18:41,280 --> 00:18:44,760 Speaker 2: Yeah, on actuality, you're just noticing she's complaining as versus 350 00:18:44,760 --> 00:18:46,359 Speaker 2: like they have just complaining just as much but you 351 00:18:46,359 --> 00:18:50,320 Speaker 2: don't notice it. Also, just by the way, if you 352 00:18:50,359 --> 00:18:55,280 Speaker 2: want to know, the number one best overall state was Utah. Really, 353 00:18:57,320 --> 00:18:59,760 Speaker 2: but the fact is like housing affordability is at number 354 00:18:59,800 --> 00:19:02,520 Speaker 2: thirty three for them, the cost of living is twenty five, 355 00:19:02,760 --> 00:19:06,360 Speaker 2: they're twenty five, and then affordability was like twenty eight. 356 00:19:06,520 --> 00:19:08,320 Speaker 2: They're number twenty eight for that, and then they're number 357 00:19:08,320 --> 00:19:10,160 Speaker 2: twenty four opportunities. So I'm trying to be like, how 358 00:19:10,160 --> 00:19:11,600 Speaker 2: does those numbers mesh then? 359 00:19:13,760 --> 00:19:15,959 Speaker 3: Because I'm not telling you how this is qualified. 360 00:19:15,960 --> 00:19:17,840 Speaker 2: It's just like the titles I've been given and this 361 00:19:17,880 --> 00:19:20,280 Speaker 2: is according to the Usnews dot Com, so you know, 362 00:19:20,359 --> 00:19:22,240 Speaker 2: like take it with a grain of salt and where 363 00:19:22,280 --> 00:19:24,159 Speaker 2: it's from. But like, I found it interesting that all 364 00:19:24,200 --> 00:19:26,320 Speaker 2: the other numbers are like mid, but there are still 365 00:19:26,400 --> 00:19:26,800 Speaker 2: number one. 366 00:19:26,840 --> 00:19:29,200 Speaker 3: I'm like, it's because they got the good parks. Is 367 00:19:29,200 --> 00:19:33,080 Speaker 3: because they they do have really good parks. It's quite bad. 368 00:19:33,480 --> 00:19:34,560 Speaker 3: I do love your parks. 369 00:19:36,640 --> 00:19:41,440 Speaker 2: Cheers of that, but yeah, like that's interesting. I'm excited 370 00:19:41,480 --> 00:19:44,280 Speaker 2: to hear your take on that because I think we 371 00:19:44,640 --> 00:19:49,960 Speaker 2: haven't really talked about landlords in rent renters, and it's 372 00:19:50,000 --> 00:19:51,960 Speaker 2: getting to be a really heated subject right now. 373 00:19:53,720 --> 00:19:56,640 Speaker 1: It is because, like you said, there's been a lot 374 00:19:56,720 --> 00:20:03,439 Speaker 1: of backlash discussion about rents going up, prices going interest 375 00:20:03,480 --> 00:20:06,960 Speaker 1: going up, and it's it's frustrating because I feel like 376 00:20:07,040 --> 00:20:12,760 Speaker 1: so many things in this conversation are out of your control, 377 00:20:13,600 --> 00:20:15,679 Speaker 1: and so for me, I'm very much in a holding 378 00:20:15,720 --> 00:20:19,840 Speaker 1: pattern where I know one day the rent will go 379 00:20:20,000 --> 00:20:22,920 Speaker 1: up and I will have to go, and I don't 380 00:20:22,960 --> 00:20:28,240 Speaker 1: know when that will be. It's just annoying when it's 381 00:20:28,280 --> 00:20:31,920 Speaker 1: like because I've pretty much been told if you like it, 382 00:20:32,200 --> 00:20:33,440 Speaker 1: that's a good price, stay there. 383 00:20:34,119 --> 00:20:35,040 Speaker 3: Until it goes up. 384 00:20:35,080 --> 00:20:37,720 Speaker 1: But that's such a strange place to be in where 385 00:20:37,720 --> 00:20:40,000 Speaker 1: you're essentially waiting for someone else to give you maybe 386 00:20:40,040 --> 00:20:45,560 Speaker 1: sixty days maybe to do make this huge decision where 387 00:20:45,640 --> 00:20:46,359 Speaker 1: do I go next? 388 00:20:47,280 --> 00:20:49,320 Speaker 2: But nothing, and you can't get ahead either because you 389 00:20:49,359 --> 00:20:52,920 Speaker 2: can't plan. People want to rent immediately. Oh it's such 390 00:20:52,920 --> 00:20:56,320 Speaker 2: a crisis that I hate. I hated this whole thing, 391 00:20:56,359 --> 00:20:58,760 Speaker 2: which is why I would like refusing Tom and honestly, 392 00:20:58,880 --> 00:21:01,360 Speaker 2: had he kept the prices as was or at least 393 00:21:01,400 --> 00:21:04,399 Speaker 2: an in reasonable intent instead of doing it like he 394 00:21:04,440 --> 00:21:06,600 Speaker 2: did a twenty five increase for like three years or 395 00:21:06,640 --> 00:21:09,240 Speaker 2: like wait what twenty five percent increase instead of like 396 00:21:09,280 --> 00:21:12,080 Speaker 2: five percent every now and like every year that I 397 00:21:12,119 --> 00:21:14,080 Speaker 2: was like, wait, what is this for? And it didn't 398 00:21:14,080 --> 00:21:16,960 Speaker 2: make sense, like he's his reasoning made no sense rather 399 00:21:17,000 --> 00:21:19,000 Speaker 2: than like taxes, And I was like, okay, I kind 400 00:21:19,040 --> 00:21:21,119 Speaker 2: of get that, but you were already making like he 401 00:21:21,160 --> 00:21:25,000 Speaker 2: had bought this place for so like little and done 402 00:21:25,080 --> 00:21:28,439 Speaker 2: so little and renovations that it was like, did you 403 00:21:29,119 --> 00:21:30,880 Speaker 2: do you? Are you because you know you've already paid 404 00:21:30,880 --> 00:21:32,600 Speaker 2: it off by this point, I don't know, Like I 405 00:21:32,640 --> 00:21:34,399 Speaker 2: don't know, and not that you can't you're not allowed 406 00:21:34,400 --> 00:21:36,640 Speaker 2: to make money. Sure, sure, sure, but to really like 407 00:21:36,760 --> 00:21:39,200 Speaker 2: go over the top with lies and like no, it's 408 00:21:39,200 --> 00:21:43,480 Speaker 2: absolutely not this, this and this, and then like getting 409 00:21:43,720 --> 00:21:46,240 Speaker 2: and knowing that I rarely got things fixed on time, 410 00:21:46,320 --> 00:21:50,600 Speaker 2: like I had to beg at. He was like, because 411 00:21:50,600 --> 00:21:52,000 Speaker 2: that whole idea of like I don't have to be 412 00:21:52,040 --> 00:21:55,760 Speaker 2: responsible for employ like appliances, and like you like things 413 00:21:55,760 --> 00:21:58,679 Speaker 2: that happened in the background, like that was lovely. I 414 00:21:58,720 --> 00:22:00,840 Speaker 2: did not want to deal with that. I loved my 415 00:22:00,840 --> 00:22:06,280 Speaker 2: neighbors at the time, my partner there, but like there's 416 00:22:06,320 --> 00:22:09,359 Speaker 2: so many things that's just like, m it doesn't make sense. 417 00:22:09,520 --> 00:22:11,560 Speaker 2: But because it finally got to that point, it's like this, 418 00:22:12,680 --> 00:22:15,159 Speaker 2: I hate to do the I don't want to be responsible, 419 00:22:15,160 --> 00:22:17,399 Speaker 2: but I guess I'm gonna be responsible in this manner 420 00:22:17,480 --> 00:22:19,840 Speaker 2: and buy a whole home, right. 421 00:22:22,080 --> 00:22:25,119 Speaker 1: Well, yeah, I mean that's kind of the reason that 422 00:22:25,440 --> 00:22:27,280 Speaker 1: I was looking into this because I've had such a 423 00:22:28,160 --> 00:22:30,240 Speaker 1: honestly part of it is me, but I've had troubles 424 00:22:30,240 --> 00:22:32,320 Speaker 1: with my landlord, and now that I've read this study, 425 00:22:32,359 --> 00:22:34,920 Speaker 1: I'm like there was a reason I. 426 00:22:34,920 --> 00:22:37,120 Speaker 3: Felt uncomfortable like complaining or. 427 00:22:37,119 --> 00:22:41,000 Speaker 1: Like raising an issue, and it's it's gotten kind of 428 00:22:41,040 --> 00:22:44,960 Speaker 1: like there are things that I need to get fixed, 429 00:22:45,520 --> 00:22:47,600 Speaker 1: and I keep putting it off because I'm like, oh, no, 430 00:22:48,000 --> 00:22:55,399 Speaker 1: you don't want to deal with yeah, M Yeah, well, 431 00:22:56,040 --> 00:22:59,320 Speaker 1: I am looking forward to our celebration, your two year 432 00:22:59,680 --> 00:23:01,080 Speaker 1: yeah anniversary. 433 00:23:01,800 --> 00:23:03,120 Speaker 3: We'll do another check. 434 00:23:02,920 --> 00:23:06,040 Speaker 1: In, but yeah, there's a lot of issues to talk 435 00:23:06,080 --> 00:23:12,320 Speaker 1: about for conversations. Yes, indeed, Well listeners, if you have 436 00:23:12,440 --> 00:23:16,160 Speaker 1: thoughts about this, If you have any questions you would 437 00:23:16,240 --> 00:23:18,399 Speaker 1: like us to address to look in to, please let 438 00:23:18,440 --> 00:23:20,880 Speaker 1: us know. You can email U at Stephanie and mom 439 00:23:20,920 --> 00:23:23,199 Speaker 1: Stuff at iHeartMedia dot com. You can find us on 440 00:23:23,200 --> 00:23:25,800 Speaker 1: Twitter at mom Stuff Podcast, or on Instagram and TikTok 441 00:23:25,800 --> 00:23:27,480 Speaker 1: at stuff one ever told you if we have a 442 00:23:27,520 --> 00:23:29,280 Speaker 1: tea public store and we have a book you can 443 00:23:29,320 --> 00:23:31,920 Speaker 1: get wherever you get your books. Thanks as always too, 444 00:23:32,160 --> 00:23:35,520 Speaker 1: our super producer Christina, our executive producer and our contributor Joey. 445 00:23:35,760 --> 00:23:38,360 Speaker 1: Thank you and thanks to you for listening. Stephone ever 446 00:23:38,400 --> 00:23:40,159 Speaker 1: told you to prediction of iHeart Radio. For more podcast 447 00:23:40,160 --> 00:23:41,560 Speaker 1: from my Heart Radio, you can check out the iHeart 448 00:23:41,600 --> 00:23:43,479 Speaker 1: Radio app, Apple Podcasts, or wherever you listen to your 449 00:23:43,480 --> 00:23:51,720 Speaker 1: favorite shows.