I’ve only really had two financial goals since I graduated college. The first was to pay off my student loans. It took me four years to go in to debt and a little over two years to work my way out. As soon as my debts were paid, it was time to shift my focus towards goal two… Saving.
Over the last year and a half Girl Ninja and I have made great strides towards our goal of a $100,000 down payment. But today, really more like the last few months, as we inch closer and closer to achieving that goal I’m becoming less excited about it. Instead of being jazzed about buying a house, I’m starting to think it’s actually the worst thing in the world. Yes, the world!
How do I go from loving the idea of home ownership one minute, to completely despising it the next? No, I don’t have bipolar disorder (at least I don’t think I do). Instead, I’ve been thinking about how limiting housing really is — notice I said “housing” because let’s get real, renting has some serious downsides too.
Even though Girl Ninja and I have a six figure combined income, I can’t help but feel like we don’t make enough. Do you know how disturbing that is? I mean, I would NEVER complain that we don’t make enough money (because I know we make plenty), but somehow I convince myself that “if only we made a little more” life would somehow become increasingly easier. Yuck.
Girl Ninja is 24. I’m 26. We are in the “prime” of our life; still relatively new to marriage, young in our careers, no children (at least none that I know of), and we have over $60,000 in the bank. WHY AREN’T WE TRAVELING THE WORLD? Oh that’s right, we are saving for a 20% down payment. We’ve decided we’d rather bust our butts for two years saving as much as possible, so that one day we can give the majority of our savings to a complete stranger via a down payment. That depresses me.
If I wasn’t such a wimp, I’d have us both quit our jobs so we could spend the next six months of our lives, and probably $20,000 of our savings, traveling the world. CAN YOU IMAGINE?! I’d get to spend every moment of my day with my best friend. We’d learn a ton about ourselves and what the world has to offer. The American Dream says I should buy a house as soon as I’m financially able, after all “It’s the responsible thing to do.”
Meh, responsibility is overrated. I have the rest of my life to buy a house. I only get to be a twenty-something, kid free, newlywed for a few more years.