주택 소유에 대한 후회: 재정적 책임과 선택에 대한 이해

### 주택 소유권 탐색하기: 재정적 부담과 후회 해결
* 🏡 몰리와 같은 많은 주택 소유주들은 **유지 관리 비용과 월세 상승에 부담**을 느껴 이사할지 여부를 고민하고 있습니다.
* 💰 주택을 소유하는 것이 단순히 모기지 페이먼트를 관리하는 것이라는 오해 때문에 **재산세, 보험, 유지 보수와 같은 추가 비용**을 간과하는 경우가 많습니다.
* 📊 주택 구매자의 무려 **82%가 주택 구매를 후회**한다고 답해 주택 소유에 직면한 일반적인 어려움을 강조했습니다.
* 📈 2021년 이후 주택 가격이 상승함에 따라 주택 소유자는 **주택을 팔아 이익**을 얻을 수 있는 위치에 놓이게 되어 **더 저렴한 옵션으로 이사**할 수 있을 것입니다.
* 🛠 현재의 주택 상황이 재정 자원을 고갈시켜 **저축과 미래 투자를 방해**하고 있는지 평가하는 것이 중요합니다.
* 🔍 주택 구매 계산기와 같은 도구는 특히 **18개월 이후에도 문제가 지속되는 경우** 주택 구매 결정이 장기적으로 지속 가능한지 판단하는 데 도움이 될 수 있습니다.
* 🚪 궁극적으로 주택 소유가 모든 사람에게 적합하지 않을 수 있으므로 개인은 주택 소유를 결정하기 전에 **자신의 상황을 신중하게 고려**해야 합니다.
* 📋 리소스와 체크리스트를 활용하면 정보에 입각한 결정을 내리는 데 도움이 되며, **잠재적인 주택 소유자가 후회할 수 있는 함정**을 피할 수 있습니다.

주택 소유는 모든 비용을 고려하지 않으면 재정적 부담으로 이어질 수 있으므로 자가 평가가 중요합니다.

[Music] Yeah, we've got a question from Molly to kick it off. It says, My husband and I bought a home in 2021. We thought we were buying within our means but are now overwhelmed with maintenance costs and increasing monthly payments. Do we need to move? Yeah, so I think a lot of people are in this situation now because of a few different reasons. One, let's remove for a moment the fact that homes have gotten really, really expensive and that interest rates have gotten high. Before that even took place, owning a home is not an inexpensive endeavor. A lot of people just think, Okay, if I can figure out what the mortgage payment is, if I can figure out the principal plus the interest, well then I can just check the box. But it turns out that when it comes time for home ownership, it's not the same as when you rent it. It's not the same as when, Oh, the air conditioning goes out. I just call a landlord or I call a super or I have some sort of

issue or I don't have to pay homeowners association dues. When it comes to owning a home, there are a lot of other costs that factor in, and if you're not factoring in those costs, I think you can find yourself in a situation like Molly, where you're starting to think, Uh-oh, did I make a mistake here? Well, one of our financial mutants sent us a tweet from CNBC that showed that 82% of home buyers actually regret their purchases, which is so sad. It's a sad thing. I mean, look, I don't think it's unusual. I mean, even anybody who takes on debt, especially like a mortgage, a large debt, you're going to have some type of insecurity about that, but that usually washes out. The thing I do worry about, though, is that we knew with this inflation period that how purchase prices went up dramatically. You don't typically see houses appreciate that much. Well, that's now created a tail that is followed behind in the fact that, you know, property taxes as local

municipalities adjust for these higher values. They're going to raise property taxes. You know, now that you have the replacement cost has gone up on every one of these properties. The insurance cost is also going to go up. So, it's back to the point of affording a mortgage isn't the same as affording a house. And a lot of the things we try to work on here at the Money Guys show is to give you parameters and where the lines are so that you're not, you know, house poor and life poor. And when I first heard this from Molly, I just want to know she's in good company, but we do need to triage. How do we get you on the right path now? First, are there some mitigating circumstances? We all know that the Money Guy rule is you want your housing expenses to be around 25%, but I do give a little asri to that if you live like, um, 'cause I know some of the higher cost of living places are in

coastal areas or in big cities, and a lot of times, you might not have a car in those cities. Maybe you have public transportation or something like that. So, there are things like that that potentially could help Miley say, Okay, yes, you're beyond 25%, but maybe you have something that mitigates it. If you don't have that and you find that you are in that situation where you are house-rich, life-poor, we do need to start figuring out how do we self-correct this problem. Yeah, I think, and what's interesting is if you bought your house in 2021, which it sounds like you did, you have something working to your advantage. There's a really good chance at this point the value of your home has increased. Now, none of us want to have to sell the house that we live in and leave the thing that we love, but it would be worthwhile for you to go out to money guu.vn, house that you have right now, and what you should be able to afford, and you may

have to say all right. I made a bad decision. I got in a house that is actually draining the other areas of my life. Is there an opportunity right now since home prices have gone up over the last two years where potentially I could sell that house and then I could use the proceeds from selling that house to get into another home that's more affordable that will allow me to do the other things that I should be doing like building for the future. So I think that's a hard choice to make but what you want to be careful of is if this house is draining everything that you have and all of your excess discretionary capital's going into it and you're not saving and building for the future then your only option when you get to fin when you get to retirement when you get later in life the only way that you're going to recoup value from that is by selling that house. So it's probably not going to be your forever home anyways if right now it's causing all of your capital to go in there. So I

think you have to assess and see do I need to make a difficult decision right now so don't skip the step that Bo just laid out for you. I want you to go look to go to money.com resources, look at the home buying calculator, see how far off course you are from that, and then ask yourself is this a short-term problem or is this a long-term problem. If it's anything really Beyond 18 months that you can't write the ship, you probably are going to have to make the hard decision and figure out how you know how do you either bring on maybe rent out a portion of it or you even have to make the hard step of changing your housing decisions and selling the house. Let this be a cautionary tale. We love home ownership and we think it's wonderful but it does not mean that it's for everyone. Don't think that just because you are a specific age or a specific stage of life or because you've checked some other boxes that you absolutely have to jump on the side of

home ownership. You need to really assess, is that what makes sense for me in my current circumstance? Because I think far too many people, especially with today's prices, are jumping in just because somebody said, Oh, I need to own a home. I need to get there. Let this be a cautionary tale that the grass might not be greener just because you go and buy a home. So, close it out, go to moneygo.com resources, look at our home buying checklist, look at this resource so you don't end up like the 82% of people in Molly who have regrets. Let's go into this thing with our eyes wide open, so you measure twice, cut once, but come out the other side feeling good about your financial choice.

We Regret Buying Our Home! What Should We Do?

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많은 신규 주택 소유주들이 주택 가격 상승과 높은 이자율로 인해 악화되는 유지 관리 비용과 월 페이먼트 증가에 부담을 느끼고 있습니다.

주택을 소유하게 되면 유지보수, 주택소유자 협회 회비, 예상치 못한 수리 등 모기지 외에 추가 비용이 발생합니다.

주택 구매자의 상당수인 82%가 주택 구매를 후회하고 있으며, 이는 대규모 모기지 대출로 인해 발생할 수 있는 재정적 불안정과 어려움을 강조합니다.

부동산 가치 상승이 주택 소유주에게 미치는 영향

부동산 가치 상승으로 인해 지자체에서 재산세와 보험료를 인상하고 있습니다.

머니 가이즈 쇼에서는 주거비를 소득의 25% 내외로 유지하는 것이 중요하며, 고비용 거주 지역에 대해서는 어느 정도 융통성을 발휘해야 한다고 강조합니다.

2021년에 주택을 구입한 주택 소유자는 주택 가치 상승으로 혜택을 볼 수 있으며, 주택 부자와 생활 빈곤층이 되지 않도록 재정 상황을 재평가하는 것이 좋습니다.

주택 소유에 대한 재평가: 어려운 결정

현재 집은 재정 자원을 소모하고 미래 계획을 방해하고 있습니다.

집값이 상승하면서 집을 팔면 더 저렴한 주택을 구입할 수 있는 자금을 마련할 수 있습니다.

재정적 부담이 18개월 이상 지속된다면 상황을 평가하고 어려운 결정을 내리는 것을 고려하는 것이 중요합니다.

특히 요즘처럼 집값이 높은 시기에는 주택 소유권을 평가하는 것이 중요합니다.

많은 사람들이 주택 구입이 해결책이라고 생각하고 서두르지만, 이는 후회로 이어질 수 있습니다.

주택 구매 체크리스트와 같은 리소스를 활용하여 정보에 입각한 결정을 내리고 일반적인 함정을 피하는 것이 중요합니다.