Home Buying Wisdom

Buying a home is a significant step that requires careful planning and readiness. It's crucial to be debt-free and have an emergency fund in place before making such a commitment. Opt for a 15-year mortgage and ensure your monthly payment is manageable, ideally no more than a quarter of your take-home pay. When done correctly, homeownership can be a powerful tool for wealth building, but improper decisions can lead to financial stress.