No HOA and thank God for that. I'd never buy a place that I had to sign an HOA agreement to live at. As if I need more authoritative assholes in my life. 

do you have all the HOA bollocks to deal with at all? Just something i've read about but sounds very dystopian!



stack_harder

AskSN

Did your first half of 2025 go as expected?

Aardvark

Home ownership really sucks. I hate the maintenance and the lawn work etc. Neither one of us particularly enjoy owning, so we're going to go back to renting. 

The final nail in the coffin was when I showed my wife what the average 20 year return would look like if we put 100% of the profits in the s&p 500. That alone would beat the housing market without even considering the amount of maintenance we would be paying annually. 

My wife is orange pilled to some degree, but she's not as all in as I am. We sat down and went over the expected returns over 20 years from S&P and figured out a minimum "safety net" for her risk tolerance, and the rest will go into bitcoin. 