Public service message: If you enjoy the content, please consider posting this link to the Reddit version of WAATGM since I cannot. It drives more traffic to this site, such as myself, and that's how the content creation happens. Please do your part: https://www.youtube.com/watch?v=RlC5DEp2EOQ

I know this is an interesting take on what's usually here, but she reminds me of my first girlfriend, a Corporate Nun. They simply are waiting for a man to "man up" and serve the military-industrial complex in the meantime. Different than a CC rider, but similar casual mindset when it comes to men.

She asked me what she did wrong. Nothing.

She did try to do something that usually requires dual-income nowadays, and she doesn't even have above-average earnings to compensate for it. Being able to save only $600 a month when you're supposedly already cutting all non-essential expenses is... not great. The housing market is brutal right now and doesn't care if owning a home becomes infeasible for a large chunk of the population.

Median home? A median includes McMansions that cost even more to cool or heat.

If that’s the median, she should have no trouble affording smaller single-story homes (if the realtor can find any that aren’t dilapidated).

If she wants a McMansion that badly (or nothing else is available), she’s still young enough for a good DINK marriage or she can pool her funds with another woman in her situation.

Hell, her cousin who made the post has an anime profile pic so is likely single and living with parents. Maybe her aunt and uncle will pitch in the remaining $50,000 if she lets her cousin move in to one of the McMansion’s 4+ bedrooms.

A single person would normally expect to live below the median in terms of quality. One would expect Mr and Mrs Average to buy a house somewhere around the mid price, the poor and the single below, the wealthy above.

I do agree that there is a real problem with house prices causing failure to launch for many young people. That can probably only be resolved by removing silly liberal planning and building compliance and safety laws while also stopping immigration. However it is also worth single people being realistic that they can't afford a family home like their parents had when house prices now reflect the expectation of 2 earners -thanks to femtardation.

That sounds about right. In another 5 years she'll have the money for a down payment. Then all she needs to figure out is how to pull off a $2400/mo mortgage.

This is the wrong time to buy. Keep saving.

Her realtor sent the numbers

Knows how to save money, but can't be bothered to look up stuff herself, and doesn't understand debt or interest very well. Very few women do.

With those numbers, today's rates, AND the full 20% down payment, you're paying $892,032 over the course of a 30-year mortgage, most of that being interest to banks.

Your monthly payment will be $2,478, which is 4x more than the $600 you've been eating rice and beans to afford. That does not include taxes, HOA, repairs, maintenance, or utilities. As a woman who presumably can't repair/maintain anything around the house, these things will be even higher for you. Besides, you'll be working all the time, for three decades, to pay off the loan.

doing everything right

Uh, no. You've missed your purpose in life as a woman. You were launched well and are now flying sky high, but your trajectory is wrong.

It's a man's job, duty, and joy to manage all these financial things. It's what we do best. It's your job to respect your husband for managing his money which he generously shares with you, and become a wonderful mother (and then grandmother) to many of his children.

In this sense, you never even got off the runway. F for failure and U for useless.

Skipped every vacation, same car, cooked at home

This is hilarious. Women do these things and think they're being frugal. Absolutely nuts.

Come on over, and I'll show you a woman who has been under the poverty level for 25 years, yet is so frugal her husband has been able to invest and grow the family fortune. She respects and appreciates every dollar he makes. She cooks everything from scratch, mends clothing through multiple hole cycles, gets furniture from the dump, buys everything second-hand, does not buy makeup of any kind, re-uses everything possible, makes clothing and blankets. She goes out to eat 1-2x per year, and her idea of a "vacation" is camping with her family. She does all of this with a content and thankful spirit. She never compares herself to other women and finds her life lacking, and she is happier than most richer women.

You ain't done shit, lady.

Congrats, woman. You've turned yourself into a dude, and a dude who came up short at that.