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Hey guys, Here's my situation: I'm 28 and work in town (Boston) as a Software Engineer. My current salary is $95,000/year and I also have $120,000 in savings not including retirement accounts. I also live at home with my parents and I have been living here for the past 3 years so I can save for my own place. My issue is that I STILL find prices to be way too high in the areas I want to live. My optimal housing arrangement would be a townhouse/condo somewhere close to work such as Waltham, Watertown, Arlington, Woburn, etc. I absolutely do not want to move far away and have a rough commute to work each day. To me, time = money and money = freedom and I don't want to be a slave to my commute. I also do not want to be a slave to my mortgage payment, either, and the maximum i'm willing to spend is 300k and ideally a little less than that. I've seen some decent places in this range but they all seem to have a fatal flaw(s). For instance Repton Place in Watertown seems nice (modern, laundry in unit, good commute location) but the buildings abut an industrial park... There's been places in other areas like Medford or Somerville but the affordable units are invariably located in slummy locations. The conclusion that I'm arriving at is that I should continue to live at home for a year or more and hope the market declines while I continue to save more money. Eventually it's going to become a little "weird" that I live at home with my parents while being late 20s and earning a reasonably good salary... Does anyone else have any insights about the condo market in the boston area?
It is already "weird" that you live with your parents and make a reasonable salary. No I would not date someone that still lives under their parents roof when there is no good reason why they could not live independently. What ever happened to living within your means and climbing the housing ladder. So you can't find a condo that is perfect for you. Buy one that is imperfect, keep saving, and buy your dream condo sometime in the future. I cannot believe the sense of entitlement that people have. What makes you so special that you think you can live off your parents for ten more years than everyone else usually does with theirs. I fully expect, no, demand that when my children finish school and are working that if they want to continue living with me that they will pay the same rent as a stranger off the street would. When I had children I did not sign up for supporting them for almost 30 years. Maybe your parents have their own plans, want to save some money for their retirement, have some privacy and their own space. They have earned it. If I was them, I would have booted you out years ago.
1. I have a very good friend that lives in the Boston area with his mom. After living in Suwanee for 15 or so years, he moved back to Boston to start over. He's 34 and cannot swing rent or owning a home on his income so he stays with her. From what he tells me, the cost of living is ridiculous there. 2. My boyfriend is 29 and lives with his dad. He is going to school and plans on staying there after to help his dad pay off the mortgage on the house as a repayment for living rent free now; so yes, I would date someone in his late 20s that lives with his parents, lol. I think it just depends on the person and the situation; however, you do have a good amount of money saved up. It is possible to refinance down the road if the mortgage payment is higher than you would like.
I think you are very fortunate that you have parents to fall back on so you can save money to get what you want. I think you should stay where you are. 1) it's not weird. 2) the economy is bad, no one cares if you are 28 and live with your parents. It's not like you are 40 and live with them. 3) I bought a house 16 years ago when things were good, thinking I'll stay here for 10 years and leave. Guess what? I'm still here, the neighborhood borders on a ghetto and I'll probably never be able to sell. I wish I would have sold the house 6-8 years ago and moved!!!! Some place where I want to live; some place where I can walk around and feel Suwanee aobut it where I don't have rap star wanna bes walking up and down my street with their pants hanging off their butts! But now I'm stuck. Hold out, til you find what you want!!!
Seriously, stop pinching pennies and rent a damn apartment until you can afford a house. Honestly, it doesnt look good for you to be living at home considering you are doing quite well for yourself. I dont think many people would want to get involved with someone in your position. You say money = freedom, so set yourself free! Spend that money on an apartment!
Er...is there a reason you've ruled out renting? 'Cause I'm pretty sure you could manage that on $95k in Back Bay, let alone Arlington. Also, where do your coworkers live? Maybe you should get some tips from them. At the very least, they might be able to recommend an agent.
Nope, sorry. You are living off your parents and you have no reason to be. You could share an apartment or rent a studio apartment. If I ran into you on a date, I would think of you as very spoiled and as taking advantage of your parents. And as not leading an interesting life.
You make 95,000 a year and have 120,000 saved up?? Just how exactly do you not "have enough" to get your own place. You are ether a moron or Trolling.
I left home when I was 18. 1) I would not have wanted to live with my parents 2) My parents would not have let me live with them
Eventually its going to become a little weird? It's beyond that. There is a price for independence, and although you wouldn't be able to save as much money, it is worth paying that price. Get your own damn place and quit leeching off your damn parents you bum.
FOR ALL THE PPL THAT SAID EW THEY R JUST JEALOUS U MAKE SO MUCH UR SO LUCKY TO MAKE A LOT AND I'M SURE U SAVED ALL THAT BECAUSE U LIVE WITH UR PARENTS AND NOW THAT U HAVE ENOUGH..OVER ENOUGH BUY A CONDO FOR AND MAKE PAYMENTS..YOU MAKE WAY ENOUGH TO.DO SO. TIMES ARE TOUGH I'M UNEMPLOYED AND HAVE MY OWN APARTMENT..IT AIN'T EASY. IF I WAS ABLE TO LIVE WITH MY PARENT AND SAVE Suwanee DO IT BUT I CAN'T. IT WAS SMART. AND YES Suwanee DATE YOU. YOUR OBVIOUSLY SMART AND HAVE A GOOD JOB AND LOVING PARENTS. MAYBE YOU'LL MEET THE RIGHT ONE AND GET A PLACE TOGETHER :) GOOD LUCK.