How Much House Can You ACTUALLY Afford?

Описание: Most people rely on the 28% rule to decide how much house they can afford—but that's exactly how you end up house poor. Here's how to understand your real numbers before making the biggest financial decision of your life.
I'm Jordan, a CFP® professional and financial planner. Banks can approve you for way more house than you can actually afford because their lending rules weren't designed to optimize your financial life.

In this video, I show you how to calculate true home affordability before you start house hunting. You'll see real examples at different income levels and learn exactly how different home prices affect your monthly budget and long-term wealth.

I walk through the hidden costs most buyers miss: property taxes, homeowners insurance, maintenance, and HOA fees. Then I use financial planning software to show how your home purchase decision impacts your retirement savings decades down the road.

The difference between buying at your maximum mortgage approval versus buying within a sustainable budget? Hundreds of thousands in lost wealth over 30 years.

Stop relying on what the bank says you can borrow. Learn what you can actually afford while still building long-term financial security.

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VIDEO TIMESTAMPS
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0:00 - Introduction
0:31 - 28/36 Rule
2:28 - Monthly Cost by Price
3:50 - The 25% Rule
5:14 - Case Study Introduction
6:27 - $700K House
7:39 - $1M House
8:09 - $550K House
8:43 - 3 Scenarios Compared
9:19 - Thoughts
10:10 - Outro

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IMPORTANT DISCLOSURES
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Glow Financial Planning LLC is a Registered Investment Adviser in the state(s) of Florida. Advisory services are only offered to clients or prospective clients where Glow Financial Planning LLC and its representatives are properly registered or exempt from registration. This video is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with an appropriate tax, legal and/or financial advisor for advice specific to your situation. All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change.


Jordan Drinkhouse is an investment adviser representative of Glow Financial Planning LLC. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability.

The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions should not be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell the investments mentioned. A professional adviser should be consulted before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. All investment strategies can result in profit or loss.

The advertisements played during this video are controlled by the hosting platform and not by Glow Financial Planning LLC. Glow Financial Planning LLC is not responsible for the content, accuracy, or suitability of any advertisements heard during this program.