Living with parents kind of puts the kibosh on dating?

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IMAO, well I am fairly successful, and i will start a new Software development career on September.
But unlike you two, I don’t come here and s**t on the younger people, underachievement is not always a choice, or a consequence of laziness.

Btw Fnord, wasn’t your first wife, a foreigner from a 3rd world country, a Filipina?

Wow.

It seems they didn’t teach math in previous generations.

13% mortgage interest rates on homes <1/15th the price on incomes >50% of today’s were much more manageable.

Where I live, incomes have barely risen in 40 years, yet housing prices are through the stratosphere, making us one of the least affordable real estate markets on the planet. Any older person that tells younger people they’re just not working hard enough or sacrificing enough either can’t do math at all or is smoking something far stronger than cannabis.

It now takes something like 25 YEARS for someone with an average income to save up minimum down payment for an average home - and that’s if they sacrifice to do it. The number of man hours required to pay for housing costs is far greater than it ever has been - whether mortgage payments or to make rent.

But by all means, OP, please feel free to jump into a job here, start at zero, and show us all how easy it is to live independently & buy your own home in today’s economy.

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No for supporting trump. Because doing so is deplorable.

Yep....that Down Payment is really the Monkey Wrench in this...

And I'm not trying to be funny.....

Back before the Great Recession of 2008, people could actually buy houses with absolutely no down payment at all.

The main problem with the Mortgage Crisis----was the fact that most of the mortgages were "adjustable." Adjustable way upwards after three or so years. Sometimes triple the original mortgage.

It's not at all uncommon to have help with a down payment from parents. True in my day and true now.

My daughter's significant other recently bought a small, low-end condo as his first home (assessed value less than 1/3 of the "median" home value in this city). The simple truth is, in this market, it was far more affordable to own than to rent. But you can't expect to start in the home your parents have, you have to start at the bottom end. These are called "starter homes."

His job? He works in a call center. My daughter who lives with him doesn't work at all, just Social Security. When they met, she lived alone in a Section 8 (government subsidized) apartment, and he lived in an old house a couple towns away with 5 or more roommates and intermittently no hot water.

But the significant part of their courtship was: not living with parents.

I think living apart from your family of origin is the cruel necessity of dealing with things like asking a landlord to fumigate for roaches, trying to scrape up your rent when it's due, following at least a rough budget, and holding down a job even when it's really, really hard. Making sure you pay your car insurance bill and if you get a speeding ticket, you take care of it before it results in a suspended license. Remembering to go to the dentist occasionally and dealing with the consequences if you do not.

These are all important learning experiences that lead to maturity. Too often, even if paying parents a token rent and helping out with household chores, the emotional security of having mom or dad cope with those issues prevents a youngster from developing that self-reliance.

I don't like everything about Fnord, but I agree with what he said on another thread: if he had been raised to believe he couldn't be successful, he probably wouldn't have.

I started paying rent to my mother when I got my first "real" job at 18. She started treating me a little better after this.

I could not wait to leave my mother's residence and go off on my own. My mother didn't make it pleasant for me while I lived with her.

And what would your daughter's achievement be in life without her boyfriend?

The only reason why she is not living with you now, is because she relies financially on a man.