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ericbomb

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4ish years ago when I bought a house I was convinced not to get a house inspection, would it be crazy to get one now just to make sure it's all good?

Was 25 and super nervous, so when the realtor was like "oh yeah they just check for basic stuff, but I looked around and it looks great" I was like "Oh okay, this is so astronomically expensive every penny saved is good..."...

ericbomb OP ,

The simple, but annoying answer, was luck and fear.

I grew up in poverty on account of my father going to prison very young and my unprepared mom having to somehow take care of 3 kids and realizing he had made lots of money vanish and stolen lots of the money we did have that needed to be returned, and instead of inheriting money irresponsibly, I got a crippling fear of debt and spending money on non necessities.

But at the same time I was making around 70k a year at 25, because at 20 I got my associates in IT, then found a job paying above what I was asking for in under a month after graduating, and I still work at that job 10 years later as they've been very reasonable through everything. Getting that job SOO fast that worked out so well was just pure luck.

Also I couldn't buy the house I'm in anymore, buying at 25 instead of 26 was pure luck. If I had been born a year later, buying at 25 wouldn't have worked. The price of the house went up about 100k a few months later.

Also even in 2019, my home was considered a fantastic deal. A 2k square foot town home for 240k in a medium sized city (the one I grew up in), within walking distance of main street. It has an hoa, but it only has 9 other town homes in it, and we have a massive shared common area and pool. Having a pool I only have to share with a dozen other people is a luxury I never imagined. Hoa fee is 200$ and they've only ever asked me to pull weeds around my house when a neighbor was selling theirs and they wanted it to look pretty to help out a neighbor.

So I actually don't have a car (too expensive) and I can walk/bike to grocery stores, doctors appointments, the like. To top it off it's only about 3 miles from where my mom lives, and we just recently moved my grandma into a senior living center about a mile away so she's close to me and my mom.

So, yeah. I just saved every penny to a stupid level, then got rather lucky. Saving every penny at my income wouldn't have worked without the luck. Never being unemployed in my entire life was pure luck. Finding a home that met all my needs perfectly within my budget was crazy.

The cheapest home in this city are 200k 900 square feet town homes, but because of the interest rates the monthly payments are 50% higher than my beloved home.

But all that luck wouldn't have meant a thing if I hadn't saved like crazy. Sooo... yeah. For context, after much cajoling from counseling I have agreed to allow myself 100$ fun budget per month, and $400 a month for food so I buy more "nice" food. My only debts are a little bit of my college loans (I paid off all the high interest ones and the only ones left are like 3%. I had a tradition where every tax return I just put the entire thing towards the highest interest student loan) and my mortgage which is at 4.25%. I'm going to retire a millionaire and with a fully paid off home.

But it's so sad, because people taking the EXACT same actions as me, but 2 years younger, won't. They'll have to rent their entire life, or buy a home out in the middle of nowhere away from family and services. Which means they'll most likely need a car and have to pay other premiums.

ericbomb OP ,

Hey man I didn't say it was smart!

And it was one of those things where it's like I had X amount of money, and afterwards I was going to have not much money at all. So spending $300 more of that tiny remaining money was uncomfortable.

ericbomb OP ,

Thank you! I wish I could give advice that was relevant to the current time . If I was 24 and didn't own a home I'd probably be having to do math on buying a 100k home in a super cheap area in a different state. But that would come with other hidden costs like having to own a car, not having access to good medical care, possibly higher crime rate, if I didn't have a WFH job then finding a job will most likely be a pay cut and if I lost my WFH job I'd have to most likely take a lower paying job, then of course if I wanted to see my family ever I'd have to budget in that....

Ugh. IDK man, I feel awful for people just 5 years younger than me.

ericbomb OP ,

Well even the land itself is worth more than I paid, and 5 years of no problems is a great start. But will find a good inspector and see if I really did get that lucky!

ericbomb OP ,

The housing market was silly for awhile. Lots of homes basically had a clause of "If inspection done, no sale"

ericbomb OP ,

The land it's on is "currently" more expensive than what I paid for it 5 years ago. Just recently got an appraisal done.

If I tried to buy this house now with my income the bank would laugh at me.

Sorry to anyone who didn't buy a house pre - covid :(

ericbomb OP ,

I mean 30 year old me recognizes that was a super weird thing to say.

25 year old me felt super over his head anyway.

But I'm getting an inspector! Don't you fret!

ericbomb OP ,

My realtor :(

I was 25 and very overwhelmed by it all.

I love my house, it seems perfect still several years later and I've only had to do some minor repairs.

But I'll get one to make sure no dangers are lurking where me and my handy man can't see!

ericbomb OP ,

Oh yes! Yogurt with some crunch and fruit is just SOOO good, and you can get a like $4 tub of yogurt that lets you eat some every day for a week.

ericbomb OP ,

Ooh those look good! Just fruit and seeds. Looks better than the stupid granola bars that are mostly sugar.

ericbomb OP ,

Hah crazy how often brands pull this off and we don't even notice.

But yeah popsicles are good! I now have good memories of making popsicles with like lemonade and strawberries in them in ice cube trays.

I should make some ice cube popsicles...

ericbomb OP ,

... okay but which snacks are peak for a dollar?

I do remember when I was young though I would go to dollar tree and they would sell a pack of fudge covered graham crackers, and those were amazing.

ericbomb OP ,

My banana bro!

ericbomb OP ,

I mean a small amount of oil usually helps.

ericbomb OP ,

Oooh great shout! Now remembering how crazy we would go with the little $20 popcorn machine my mom bought.

ericbomb OP ,

"Hear me out"

describes a lazy chocolate coffee

I mean it is a unique way of making it, but it's still just adding coco powder and sugar to cold brew!

ericbomb OP ,

Oh sick!

I always find joy in the fact that vegan community accidentally made a large infrastructure for people who need to cut out certain animal products.

Find that you can't eat eggs? Vegans know what replacements work for what purpose.

Milk disagree with you? They have choices!

Happy to hear that it made it easier to cut out dairy for your health!

ericbomb OP ,

The book is a parody of itself.

I dare you to find a part that isn't near gibberish!

ericbomb OP ,

I'd rather read that than another story of a child being handed a sword and killing grown men.

Give them a spear and have them focus on tricking people into charging! Anything besides a sword or bow, the two most difficult to learn weapons from the medieval ages!

ericbomb OP ,

Anything really!

Also it annoys me because swords and bows are THE most difficult weapons to learn from the medieval ages. We have legends about master bowmen and swordsmen because they were notoriously difficult to use.

You can look up videos of reenactors of people using spears vs. swords, and people who have never touched a spear in their life can beat people who have been using swords for reenactments for years.

To use longbows effectively was a life long commitment.

Crossbows didn't have more power than longbows, they were popular because it took 20 minutes to teach a strong peasant how to fire, and a few weeks to get them firing at the proper cadence to be effective. Being effective with a bow took far longer.

ericbomb ,

Except... if you said you were throwing paper, they would think you were trying to bait them into going scissors so you could go rock.

So wouldn't they themselves go paper? Why would they go rock?

ericbomb OP ,

Fans who follow more closely can correct me if I'm wrong, but....

The author streams and does events, but hasn't given any updates in a long time. He did a fund raiser where a goal was releasing the first chapter of his next book, which he supposedly has been working on since 2011, and he never did despite meeting the goal. Sure feels like despite supposedly working on it for 2011 he hasn't even made a draft of the opening chapter.

Additionally, his previous editors and publisher have said they haven't seen any indication he is working on them at all. So it doesn't seem like he's agonizing over revision 512 and still not happy with it. Seems like he just never made a first draft.

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