Stan and I bought our first home when I started Residency! If you didn’t think it was possible - we’re here to show you that you can! What are your thoughts on buying a house? Do it? Or be like Elon Musk cause renting is the way to go? Love to hear your thoughts!
@carter5007
4 жыл бұрын
I was forced to watch Dave Ramsey in high school and my little brother currently is forced to watch him. Yeah I laugh at 90 percent of the stuff he says. I'm a senior in college, going to apply for med school in May. All the debt will be worth it. Especially when you finish residency and that salary increase comes in, you can pay it off quicker.
@tee1736
4 жыл бұрын
I want to know how to do this with my loans
@Angelito_Noreaga
3 жыл бұрын
First off, Dave Ramsey is an idealogue. He puts his view of how to do a thing ahead of whether or not the result is the best. Second, it's good to buy a house; it's bad to buy a collection of houses and treat it like a stock portfolio. That behavior only perpetuates housing insecurity for everyone else. Just because you can invest in housing and add to your wealth doesn't mean you should. Consider the society that you have to be a part of and how you would like it to be for your kids.
@babykib2010
4 жыл бұрын
Your education is an investment. Your house is an investment. Foundation for the long run.
@TheMichelex20
4 жыл бұрын
Thank you for saying that. I believe the same. People are much more critical of people’s student loan debt than they are consumer debt. But I think it’s an investment.
@MsLotus47
3 жыл бұрын
💯
@marianettist
4 жыл бұрын
Having Stan explain some basic 101 and tips on real estate would be GREAT, would appreciate the awesome cameo!
@drjennale
4 жыл бұрын
Video coming soon! Stay tuned!
@ayr156
4 жыл бұрын
I bought a condo with 100k in student loans. Best decision I made. The stability I felt as a early career psychologist with a young son in a stable home was worth it. Investment for sure, knew my income would grow.
@benny88cups
4 жыл бұрын
Your refusal to follow Dave Ramsey and how you choose to invest real estate while having massive student loan debt reminds me of the KZitem One Big Happy Life. That channel has faced so many criticism from Dave Ramsey followers, but they politely explain why they are focusing on building net worth instead of paying down their student loans fast. Do what is best for you
@drjennale
4 жыл бұрын
I’ve seen some if there content! FIRE goals!
@user-lu6yg3vk9z
4 жыл бұрын
Dont stress dollar is worthless anyways.
@xRadiationx
3 жыл бұрын
I came here to say that! Love both channels!
@kenyastewart22
3 жыл бұрын
Tbh I like some of Dave Ramsey advice, but when he told someone with student loans not to invest a 401k and focus on student loan repayment. I looked at him like😐. So when this person pays off their debt that’s when they can save for retirement? His model is inflexible to poor people or people who don’t have financially stable parent to help out. Everyone should be to live a life obviously in moderation due to debt. But to put everything on pause to be “debt free” I don’t think is worth it for everyone.
@SunshineKane1
4 жыл бұрын
When we moved years ago, my new kitchen mantra was, “if my great grandmother didn’t need/have it, then I don’t either” All of the gadgets they sell are so unnecessary. I use a fork as a juicer, manual can opener, etc. I love how minimalist my kitchen became....and I LOVE to cook, cook often and I’ve been told I cook well. Best of luck.
@SunshineKane1
4 жыл бұрын
Suggestion. Place kitchen items you think you can do without in a clear container and leave in garage/basement/attic. If after a year you didn’t retrieve it, let it go!
@drjennale
4 жыл бұрын
That’s a great tip! I guess that can go with everything we own.
@jeskawithakai
4 жыл бұрын
“I’m a Family Medicine Physician” wooo💕
@adfbgpaisrhga
4 жыл бұрын
Girl yess live your life!! Nothing is guaranteed. ❤️
@drjennale
4 жыл бұрын
And it only took a pandemic for so many to realize 😅
@sofiasotres801
4 жыл бұрын
Girl you are brave! I don't have any debt and I am a house owner. I cannot imagine the stress... However I wish you the best and really appreciate your honesty and good vibes.
@lisakay8288
4 жыл бұрын
Congratulations on your second home! Can’t wait to see it in the vlogs.
@drjennale
4 жыл бұрын
Yes so excited! I’ve been binge watching home organizations, DIY, and decor on KZitem 😁
@sagrariorangel3064
4 жыл бұрын
I love how relatable you are 😂 my house looks like a mess and my kids have cereal for breakfast sometimes even dinner 🤣🤣
@drjennale
4 жыл бұрын
I’m representing real life moms over here 💪🏼😁
@TheElleWord316
4 жыл бұрын
People with negative comments obviously don’t know the difference between “good debt” and “bad debt” so I wouldn’t pay attention to them. Good for y’all building generational wealth!
@jakesteel90
4 жыл бұрын
Elle Encarnacìon what’s good debt?
@resilientlife7680
4 жыл бұрын
Rental properties are Great for creating wealth and becoming future millionaires. Keep the property for the long run to get the most profit (preferably just keep it as a rental until you retire). When you sell it you'll make triple what you originally paid for it. Any maintenance or repairs needed on the property can be claimed on your taxes. Real Estate is a Wonderful Wealth Building Tool!
@drjennale
4 жыл бұрын
We’ve decided to manage the property ourselves and so far it as been going great!
@resilientlife7680
4 жыл бұрын
@@drjennale Depending on the property it can be better to just manage it yourself. We had a property mgmt company in the past and they did a Terrible job and charged outrageous prices for repairs.
@babykib2010
4 жыл бұрын
I would like to learn about home buying and all the home buying lingo.
@EtegeLina
4 жыл бұрын
Uu uh uy guy n i9l
@olufunsoadeniran2514
3 жыл бұрын
I absolutely LOVE this "my house is a mess but we're winning in life because I did 30 test questions"
@matchmadeinmedicine3727
4 жыл бұрын
Cereal breakfast = best breakfast. Thanks for the advise about buying a home in residency!
@drjennale
4 жыл бұрын
Yes! Physicians loan! Zero down and no PMI
@somethingsmatter
4 жыл бұрын
Yes, please i'd love to hear more about Stan's perspective!
@lafrugalistefutee6221
3 жыл бұрын
It all depends on the interest rate you are paying on your student loans and if they are fix or not. If it is lowish / 2-3%, maybe invest. Otherwise, it seems very risky. Price appreciation is nice, but it will not improve your cashflow situation. High amount of debt also makes you vulnerable to crash / loss of jobs / loss of income, etc.
@amyzheng9387
4 жыл бұрын
People can be so judgmental sometimes. Jenny you do what you believe is best for you :) and we'll always support you.
@drjennale
4 жыл бұрын
Thanks Amy! My squad is awesome ❤️
@sofiasotres801
3 жыл бұрын
Wiat is such a precious soul, says tons about you guys. Is a reflection of your big heart's and values.
@bluedemon2142
4 жыл бұрын
I prefer to pay off debt then start to invest. I can’t have too much debts , its going to drive me nuts.
@drjennale
4 жыл бұрын
We have no consumer debt! Just the student and home loans. My concern about not investing early is losing out on all the compounding interest you can earn.
@tee1736
4 жыл бұрын
@@drjennale do u have good credit how do u increase ur credit if u have only loans ?
@Angelito_Noreaga
3 жыл бұрын
The mess is last priority. You're actually winning.
@5626BREE
4 жыл бұрын
Def make a series on house buying tips 101!
@phucle2076
3 жыл бұрын
The reasons why Dave Ramsey advocates against overleveraging (and you are overleveraged based on your income to debt ratio) is because life has its ups and down. The economy crashes every 10 year; a person lose job at least once at some point in his lifetime; or emergency happens. Even if a house is an investment grade house, ie its rental income can cover itself (mortgage, tax, and upkeep), it still presents an enormous risk over a 30-year-life-span of a mortgage. If the economy tanks (a guarantee event for a 30-year time horizon) and the rental income dries up for 6 month or more, do you have enough emergency fund to survive such an episode without liquidating the house in a falling market?
@drjennale
3 жыл бұрын
100k in the bank so yes. We saved everything while in residency so we are set if the market dose crash.
@berenicerosas6307
4 жыл бұрын
I love that you did this and shared with us!! You inspire me everyday 💕
@luomanfei
4 жыл бұрын
So excited for you. I didn’t know you guys bought the house you are currently living in, I thought you guys were renting. I think you did the right thing buying another house. You are so disciplined, I wouldn’t worry too much about things getting out of hands. Also you guys definitely outgrew this house, it is time for a bigger house. With Stan being a realtor, renting out this house should be smooth sailing. In the future, you should consider flipping houses. It is just crazy timing that you guys just bought a house, because we just got our offer accepted after viewing about 90 something houses in this crazy market.
@drjennale
4 жыл бұрын
We are interested in flipping housing too! We’re just worried about margins and the fact that we’ve never done it before ... bound to make some mistakes.
@luomanfei
4 жыл бұрын
Jenny Le I think it is definitely doable. You just have to find trustworthy contractors and slowly learn how to do things slowly yourselves. With your income and Stan’s expertise, you guys would make it work.
@lisagoss4648
4 жыл бұрын
Congrats to you & your family, Jenny! You seem so happy. That’s the most important thing in life. Go for it, girl! My daughter is getting her 2nd masters in bioethics from Harvard while retaking her MCAT & applying to med schools.
@drkriseliza
4 жыл бұрын
We bought our first house when I was in internship, and I regret NOTHING. I might be in debt from student loans, but I wlil pay them off in time, and time is the one currency you can never earn back. Glad to hear I'm not the only one! Great vid Jenny!
@marisag1748
4 жыл бұрын
Congratulations on your second home!! I'm not a med student but I love watching your vlogs. One question on terms of purchasing a home. What are the pros and cons of applying for 1st time home buyers grants? Thanks.
@paradiseheaven
4 жыл бұрын
🙌 congratulations on the new house!!
@drjennale
4 жыл бұрын
Thank you!! We’re really excited. And we’ll be closer to family friends!
@so4reelz
4 жыл бұрын
Personal finance is just that...personal. Some people have higher tolerance for risk than others. There's not really a one size fits all approach. Sounds like you guys have a plan and can handle the debt amount....best of luck and congrats on the new home!
@HelloMoto_
4 жыл бұрын
I just want to organize everything haha not criticizing just my ocd acts up 😆 I love how real you are! and best of luck with the move!
@KurenaiKimitsu
4 жыл бұрын
I think student loans are debilitating if you are getting a degree that doesn't help you in the future or to be able to get a that pays a decent salary. A lot of people still end up with minimum wage (or close) jobs even with a college degrees. Sometimes the career counselors aren't very helpful. Not to mention the useless classes college makes you pay for and have to take in order to get a degree.
@drjennale
4 жыл бұрын
Agree! My counselors didn’t help at all. And the cost of tuition is outrageous. What about an income based loan repayment program?
@KurenaiKimitsu
4 жыл бұрын
@@drjennale I'm not in that boat (luckily) so I don't know what kind of payment plan they are doing. Even with a repayment program... the compounding interest might also be overwhelming. :/ it's a sad fact that so many unprepared naive teens continue to be sold these lies right out of high school (or even before then) and getting into so much debt. Times are changing. a bachelor's degree isn't worth much these days. Vocational schools should probably make a comeback unless teens know what type of profession/field they want to be in before they decide on going to college for a degree.
@drjennale
4 жыл бұрын
Trade school! We needed a plumber and it was $100 an hour
@Lizramos10
4 жыл бұрын
With the conventional loan they took your student loans into account? We live in LOs ANGELES and student loan debt is our only obstacle to securing a loan for a home/ considering home prices. And I agree with all of your Dave Ramsey feelings lol.
@drjennale
4 жыл бұрын
Yes so they count monthly payments! If you’re on an income based loan repayment program, your debt should still be under 48% of your monthly income. You can always talk to a lender and see how much you can get preapproved for
@boneetseseilane7397
4 жыл бұрын
CONGRATULATIONS on the new house🥳🥳🥳 whoop whoop!!
@bennyfrankderose1046
4 жыл бұрын
Shaggy pancake, 🤣🤣🤣 I’m dying
@breehopkins2086
4 жыл бұрын
Def interested in knowing more about home buying we have been renting for 3 years and finally looking to move in april but lendor was mentioning have to put down 10,000 at least which is alot with closing and opening cost. I know you can ask for them to paying opening and closing but ouch. Hahha. And than for first time homebuyer if you use that seems like they charge couple hundred more a month. 😭
@drjennale
4 жыл бұрын
Usually they give discounts to first time home owners 🤔
@breehopkins2086
4 жыл бұрын
@@drjennale yea ! What i thought they said they would help but they charge something monthly for using it so i was told😭not sure though :) so excited for you all to buying .i feel like we need to live each day like its our last 🤗do whats good for you and your family! Looking forward to moving vlogs.
@ekaterinalabkovskaia2773
3 жыл бұрын
Thank you for the video!! Didn't even know about such loan, very useful :) We live here in the US 3,5 years (renting an apartment) and I will be applying to Med school next year and can I ask a question: Is it even possible to buy a house and be approved for a mortgage if you just starting a medical school and your husband has a job ( no kids)? Because right now we are convinced that no one would approve a mortgage for us :( I know it depends on other personal factors, but just in general. Thanks again! All the best to your family!:)
@minimalmiss
3 жыл бұрын
Life is short indeed, appreciate your input
@christinesandoval5000
3 жыл бұрын
You are my inspiration! ❤️
@y-nhyduong1248
3 жыл бұрын
Hi Jenny! What color are your contacts? They look great! I want that look for myself. Your contacts look natural, but they still make your eyes pop. Subtle, yet bold. Thanks!
@drjennale
3 жыл бұрын
Fresh look in Pure hazel !
@berenicerosas6307
4 жыл бұрын
Also yes have your hubby share some tips!!!
@jonburleigh6016
11 ай бұрын
Where can I get information on a Physician loan?
@angelinabrowne1389
3 жыл бұрын
Hi, I know that I am super late since this video is 6 months old, but how soon after starting residency did you buy your first house? I'm about to start IM residency in July and I am considering all of my options. Any advice would be much appreciated. Thanks!
@drjennale
3 жыл бұрын
We bought our house prior to starting residency! As long as you’ve signed a contract - you can use that as proof of future income to get a loan. We got a physicians loan because no PMI but you might qualify for a regular loan too.
@angelinabrowne1389
3 жыл бұрын
@@drjennale Ok, gotcha. I may end up doing the Physician's loan. Thanks so much. I appreciate it! ☺️
@annie4x4
4 жыл бұрын
The arm hook was so cute lol
@drjennale
4 жыл бұрын
He literally clings to me like a baby koala 🐨❤️
@annie4x4
4 жыл бұрын
Haha too cute!
@dancingwiththedocs134
4 жыл бұрын
You have some great ideas money-wise. Stick to what is best for your family. Who cares what we all think, right? lol! 😆 Congrats on the new house! Also, you should see my kids game room...Legos, water glasses, and books everywhere!! lol! 😝
@drjennale
4 жыл бұрын
That’s what we need! A kids room. Right now our house is so small that the whole house is their play room 😅
@dancingwiththedocs134
4 жыл бұрын
@@drjennale 😆 Good luck with your new place. I'm sure it'll be perfect for y'all!
@PhoebeDutch
4 жыл бұрын
I’ve been thinking about this recently. We found a realty that gives half of 3% of the commission of the house to go towards closing costs, but will probably wait a little longer since the interest rates in our area is higher with the virus going on. What tips would you give to first time homebuyers?
@drjennale
4 жыл бұрын
From what Stan was saying, interest rates are at an all time low right now. After we got pre-approval for the loan we had different loan companies compete against each other to get the lowest rate! Our original offer was actually 3.125 but we got someone to beat it and locked in a 2.99!
@MsHannaBanana25
4 жыл бұрын
I'm graduating from pharmacy school this upcoming May and want to buy a house in the next two years! My question for you and your husband is where did you find out information like your residency loan for your house? My pharmacist mentioned there are similar things for pharmacists but wasn't sure where to look. I'll be approximately 240K in Debt, but I'm ready to buy a house in a few years.
@drjennale
4 жыл бұрын
Lots of lenders have physician loans. We originally went through Bank of America for our first loan. There’s a list in your area if you do a good search.
@valeriehenderson5093
2 жыл бұрын
Not only gorgeous 🥰but brilliant !
@rizalukman7982
3 жыл бұрын
Wow its amazing strategy.House is a good Investment for the long term.I still have a question about how long Will it take to pay your student loan?
@drjennale
3 жыл бұрын
The goal is to still pay it off in 3-5 years
@IHappyChicken
3 жыл бұрын
You're so smart, that's why they pay you the big bucks
@christinesandoval5000
3 жыл бұрын
lol! I put my family and books first, the mess can wait😂😂😂 ... I love all your videos❤️
@drjennale
3 жыл бұрын
Thanks Christine 😬
@0613mickey
4 жыл бұрын
Good luck 🍀 on the move and your exam ❤️❤️❤️🍀🍀🍀
@drjennale
4 жыл бұрын
Thank you Sasha!! ❤️
@rosegirl9874
4 жыл бұрын
Can you give advice on picking investment properties? We want to buy a place to rent but I don't know what to look for.
@drjennale
4 жыл бұрын
I think you have to really know your area. And if you are interested in flipping or not. We bought our current house because inventory was low for both purchase and rent. And a I knew that there will be new residents who could rent every 1-3 years.
@candykittycat2007
4 жыл бұрын
Yess so exciting! That debt shouldn't stop you it will get paid. Of course there is a way to prevent that cough cough free college but until then live your life
@drjennale
4 жыл бұрын
New York has a free med school! So there’s hope 🙏🏼
@jenniesmythe8188
4 жыл бұрын
Easier when you have a partner as well Also easier if you have a job which shows an income. Long as you have a doen payment and credit history you were fine.
@balletd11
4 жыл бұрын
Please make a video about the home buying process :)
@failyourwaytothetop
4 жыл бұрын
I think it was mostly Stan. With your debt and with what you make as a resident not much left over right?
@drjennale
4 жыл бұрын
We solely used my income to obtain the loan.
@Sesshyru
4 жыл бұрын
16 year mortgages on both homes? Y'all paying minimum?
@drjennale
4 жыл бұрын
20 and a 30 year home loan. Yes paying minimums. The extra money is better off invested. The return in the stock market (conservative average) ~8%. Our home interest rate is 2.75 and 2.99.
@richsr.7589
4 жыл бұрын
Jenny, you really seem like a nice person and great mom. But 350k in debt is wild. It could take a lifetime to pay that off. Plenty of people get masters and doctorates without that kind of debt. But, hey, you do you. I wish you and stan the best managing all the payments to everyone that you owe.
@drjennale
4 жыл бұрын
Unfortunately this is the average debt for my medical school. Stan and I have no consumer debt. Luckily with a physicians income, we can still pay it off in a couple of years.
@coco-qd3sn
4 жыл бұрын
Ditto what she said. Bout average. As a med student I can attest to this. You are watching someone that is a physician, vlogging about physicians lives/issues. At least be halfway knowledgeable about medical school before commenting 🤷🏽♀️. People love to talk about stuff they know nothing about. Not actually that wild of debt, physicians make on average, much higher salaries that average people that would get other types of doctorate and PhD degrees for other fields.
@ReginaCordoba
4 жыл бұрын
New subscriber! I need to buy a house I'm tired of renting.
@drjennale
4 жыл бұрын
Welcome Regina! We’re going to interview Stan soon and give you guys all the behind the scene details from a realtor!
@cachitoofscience5006
4 жыл бұрын
Thanks for shining some light on the opportunities available for medical students and residents. I have always heard "pay debt asap" but now I see there are other ways of approaching student debt. Sometimes it feels like the debt is stopping you from moving on in life but you gave a different point of view. Hope to hear more regarding real estate investing as a physician with a growing family.
@ZiambadZ
4 жыл бұрын
Deferred gratification... Show me a physician that doesn’t drive a Mercedes and a house that doesn’t keep up with the other Dr jones and i’ll show u a unicorn. Doesn’t matter how you try to rationalize your purchases, they are ALL liabilities. You wanted a newer, nicer, bigger house, nothing wrong with that. Justifying it by saying its a good financial decision, meh. Love watching ur videos btw, just contructive criticism...
@drjennale
4 жыл бұрын
I would disagree. A liability is something that cost you money while an asset is something making you money (which this home is becoming). My car is also an 2004 Acura I purchased while working in high school ... Stan is the fancy pants who have the Mercades (before we started dating). But I think we’re both conservative with our finances. No consumer debt. Just student and home loan debt.
@ZiambadZ
4 жыл бұрын
Jenny Le www.richdad.com/is-a-house-an-asset Anything that can cost you $ or potentially go sideways is a liability. Something can happen to that house and not be covered under your insurance policy, thats why it would fall into being a liability. The stock market could collapse tom and take the real estate market with it, thats why its a liability. Just because its given you a 60k equity doesnt make it into an asset. Its a common misconception.
@drjennale
4 жыл бұрын
That’s true. How do you recommend people build wealth if nothing is guaranteed? My current investments are all stocks and real estate.
@drjennale
4 жыл бұрын
All the link to Rich Dad Poor Dad states that the home is a liability if it is your primary residence. Our home not only has more equity now but we will be renting it out for $2100 a month. This is an investment home and not a primary residence - hence making it an asset.
@ZiambadZ
4 жыл бұрын
Jenny Le i think ur jumping the gun a bit. Yes he did mention that, but he also didnt mention what you are saying. Yes, the dynamics changes a bit, but the liability factor doesnt change, just negated a bit.
@robertplantcirca1973
4 жыл бұрын
A house only becomes an asset when you sell it. Until then, it's a liability in every form 🙄
@drjennale
4 жыл бұрын
If renters are paying you more than mortgage every month, how is that not an asset? It’s putting money in our pocket 🤔
@michellekilcoyne5508
4 жыл бұрын
Dave Ramsey's advice is good for people who are bad with money or don't want to take any risks.
@drjennale
4 жыл бұрын
Any financial book recommendations? Dave Ramsey is all I see over my feed 😑
@michellekilcoyne5508
4 жыл бұрын
@@drjennale I've read the White Coat Investor which is good for physicians since it's specific for that career. I also watch Graham Stephen on youtube who is a real estate investor and gives really good advice on real estate. I've also read Rich Dad Poor Dad which I really liked. I think Dave Ramsey just demonizes debt a lot, but the richest most successful people in the world have tons of debt because they use it wisely.
@drjennale
4 жыл бұрын
Couldn’t agree more! There’s a reason the Equal Credit Opportunity Act was passed. People who were able to take out loans had the ability to build wealth while others did not.
@Igor-xt2xq
4 жыл бұрын
@@drjennale Completely agree with you about "Equal Opportunity Act" . About book recommendations highly recommend "Worry free investing" and " Risk less and prosper " by Zvi Bodie he is professor of economics at Boston University and his book actually based on research. Also " A random walk Down Wall street" by Burton Malkiel, " Common sense on mutual funds" by John Bogle ( read this book like your medical academic books). And of course "Personal Fiance for dummies" ( i am serious). Moreover i love "Phil Ferguson show" its podcast and youtube channel unlike Dave this guy fiduciary financial advisor and have all credentials do to it. What i like the most he never pretend as his advice is golden one and there no alternatives.
@drjennale
4 жыл бұрын
Thank you!! This is gold ❤️
@rokstar317
4 жыл бұрын
Just FYI I’ve heard horror stories about working with Airbnb about renting out your place.
@drjennale
4 жыл бұрын
My friend has several AirBnb and says it’s more profitable! We don’t want to deal with the constant rotation of people so we have long term renters
@rokstar317
4 жыл бұрын
Jenny Le gotchya. My brother said their cancellation policy was atrocious. People would book week long stays and then cancel and he’d be out $1,000.
@drjennale
4 жыл бұрын
I think people still have to pay you if they cancel that close to the booking date. But I can see the potential loss in revenue if he is unable to book it out with someone else. It’s hard with a pandemic. I’m sure when we have things more under control and people go back to traveling - airBnb will do better.
@MissTXTee
4 жыл бұрын
My aunt has been using AirBnB to rent out her garage apartment since Jan. She's having great success with long term renters, despite COVID-19!
@leelasmoochie
4 жыл бұрын
Awww so cute ❤❤❤
@jeskawithakai
4 жыл бұрын
Tips on building credit and locking best interest rates!?
@drjennale
4 жыл бұрын
Need a high FICO score! Easiest way to do this is opening up credit cards and paying them off in full every month. The higher the credit limit and the lower your actual debt, the better. After we got pre-approval for the loan we had different loan companies compete against each other to get the lowest rate!
@jeskawithakai
4 жыл бұрын
@@drjennale Thank you!!!
@tee1736
4 жыл бұрын
@@drjennale oh so u do have credit cards
@drjennale
4 жыл бұрын
Yes. But we use it like a debit card that we pay off at the beginning of the month.
@jeskawithakai
4 жыл бұрын
Would love to write to your PO BOX!
@TheElleWord316
4 жыл бұрын
One thing he says that I feel is ludicrous is wait to buy a house with cash 🥴 wth
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