Why the 20% Down Payment is a Home Buying Myth

This has gotta be the greatest whodunnit in the real estate game. At some point, someone said that to buy a home, you need a 20% down payment and enough people repeated it, that it just stuck. In this video I do a little myth busting on this Also I go point by point here…

My Mailman: the unlikely property investment mogul

My mailman’s my hero. Well, actually it was my mom’s mailman from my childhood home in Wilmington. He owned a shit ton of real estate that he gradually acquired over many years. And he diversified too! He had a solid property mix which included single family and multifamily properties in California and Oregon. As time…

House Hacking: How to Make Money in Real Estate By Hustling

I understood the meaning of ‘hustle’ long before I knew the word. Back in the day, I sold candy bars at school to make some extra cash (and yes, I came up with the idea long before Randy was doing the same in The Wire. Great minds think alike. 😉) My mom knew I was…

Big-Boy-Where-Your-Job-Is-Your-Credit-Universal-City-Nissan

How to Build Credit to Buy a House (and not a Nissan)

“Where your job is your credit” Big Boy from Power 106 (where hip hop lives) If you lived in Los Angeles in the 90s, you KNOW this quote. I remember hearing Big Boy close out every Universal City Nissan radio ad with this classic line SO many times, it formed my entire young adult understanding…

Finance Apps with User Experiences that Don’t Suck

I thought this was a helpful piece that addresses one of my biggest frustrations with personal finance software. There are SO many apps available that can help people accomplish their financial goals, but most are boring, counter-intuitive and jargon filled…and because of this, they fail to engage people. “Financial wellness” is a long game…trust me!…

Tips for Millennial Home Buyers: How to Overcome Your Home Shopping Fears

If you’re under 40, buying a home might be next on your to-do list. However, if you’ve been putting this decision off recently, it may be because you feel a little overwhelmed by the home buying process. At a certain age, buying a home is just the next item on that “adulting” to-do list. However,…

How to Get Free Financial Advice From Friends or Family

If you’re looking for financial advice, you have two options. First, you could make an appointment to chat with a financial advisor who will give you specific steps to take to understand your finances a bit better. Then they’ll give you strategies to lower your financial risk and build wealth. And guess what, it will…

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Let’s take a look at millennials’ financial history

There’s no way around it: you have to build a budget

How much should millennials plan to spend on a home?

What if you fail the 28% rule of thumb test?

What about if you don’t have enough for a down payment?

What else should millennial homebuyers know?

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