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Built a new home in , sq ft. Insurance - wife is a teacher. With no plans to buy for at least years. Now renting dirt cheap. Hedge Fund k a year on average. Most of the people that I know who are my age waste money like crazy. Attorney from DC. Mortgage Broker in Ohio for 15 years. A 20yr old plain house in need of work goes for here. You see in govt. Waiting, waiting, waiting. If anything should break, I call the super and it's all taken care of right away. Did I mention that the last 5 years, I get paid double my salary and I will have built up enough sick time to actually be paid double and not even show up for most of that time. Waiting for the hammer to drop. Never did a Option ARM loan. I'm dating a Chinese American girl. Not planning on buying any time soon. Business development for a large multinational, making k euros a year, wife makes another 75k euros. We would stay where we are, but we have had 2 kids since we bought, and the sq. May future generations better understand the madness of crowds, and how power and money corrupt. Other than that, no other debt, thanks to my dad teaching me how to manage my finances as a youngster.{/INSERTKEYS}{/PARAGRAPH} Have been researching the bubble ever since. The downpayment is ready, but I locked myself into a renewable lease to avoid temptations. Life is good. For buying the second house, we had to take out a credit which we payed back within 2 years. Both mortgages 30 year fixed rate at 5. Sold my California home during the frenzy. I am 35, I make 65K a year. And BTW, no t. Anything decent is plus. Gee - me and the lab scientist about the same. Ask is 1. I would trade places with the strip club bouncer anytime. Right now life is good. If my income stays near this year's level I feel no joy, feasting on the flesh of the fallen - only calm satisfaction that my planning was correct. Don't really make a lot of money but try to make the most of what I have. Almost all of them have five figures in credit card debt and owe similar amounts on vehicles they can't afford. Why did he not just amend his sheet to 1. I travel out of the country every year, I eat well and experience most of what I care to. Went to an open house for a 2 bedroom on Park avenue - 1, square feet. A little in K And zero debt other than the house. Could be a while by the looks of the for sale signs down here. {PARAGRAPH}{INSERTKEYS}A time capsule of the greatest financial mania in the history of mankind, told in real-time by regular folks and patriots. Sold just before thevpeak. I think the fact that you found HP means you're 1 smarter than the general population 2 interested in personal finance 3 knew there was a housing bubble 4 have a good job 5 are good with your money 6 make more than the average person So, informal survey - no user names allowed on this thread. Electrical sales, 65k year, bought a forclosure in for k sold in for k a little early renting right now for 1k per month. Lab scientist, making 95k a year, renting for a month, having saved about 50k k excluded. Every time we contemplate purchasing the numbers compel us to continue waiting. Just moved to Tampa to continue renting and wait out the crash. Never did an Interest Only loan. Zero debt. Perfectly content with buying a starter house in the here in socal when they return to the very low k range : and renting out some rooms to a couple of friends to build quick equity all the while working more part than full time. Not to mention all the headaches of owning. Even the people that get lucky and make a lot of money waste it all on stupid stuff and end up broke. Not looking to profit or flip the place, just want to pay it off. Thanks, HP! Pharmaceutical Account Manager. The guy just couldn't believe that someone was actually "low-balling" him after several years of "taking orders". Considered buying a condo in but quickly stumbled upon blogs like this and decided to let it crash first. Webmaster for gov agency and own several websites. Homedebtor since early '80's in SE PA. Good Year, , Bad Year, 30, My total monthly expence, all in, including cell phone, cigarettes, and half of the house payments If everything tanks and the whole country comes unglued I can write a check and pay off the balance of the house, then do day labor and shit work to pay the property taxes and keep the lights on. We are literally saving thousands of dollars and tons of headaches. The home has appreciated considerably in the past two years in great part due to buying it for far less than it would cost to build , and I do not live in or near a bubble area. I haven't worked in 6 months but have cash reserves waiting to put to work when the time is right. Anyway, love the blog - keep on keeping us informed! My company gives me a car and pays for the gas. Set to retire in 14 years at Live on half of what we earn, save the other half for college x3 and retirement. I'm not rich by any means, but I think I'm doing okay for being in my mid twenties. I pay a month to rent a so called house. Mech engr. Just list what you do and how much does your household pull down a year. Sonographer base and in call in Colorado. Banked at 7. Retired chemical technician. Age 28 - Operations manager - Investment Firm. Have no desire to be wealthy Friends, good times and an affordable roof over my head would make me rich enough ;. Renting for a month a house that would cost about k euros to buy Madrid, Spain. All proceeds are in intrest bearing accounts cd's,mmf.. Admittedly I'm one of those people with very little savings, about 2k. I make a grand total of 0 dollars. Combined income of about K. My wife and I make about 70k a year, we own the house we live in outright, bought it cash and I renovate it since, gave up my job as a lawyer, was fed up with it. He cut the price to 1. Her Chinese dad thinks I'm brilliant. Her American mom thinks I'm a fool for not having a home. So I am no bitter renter, but still think prices are just nuts and will have to come down seriously. Its been real hard to convince my wife that taking out a kk mortgage would equal suicide, but she is finaly realizing that we made the right move and that its only a matter of time until we find our new home. We bought a house for 82K Tampa in '01, then when the bubble became very apparent to us around '03 , we worked our tails off to pay off the mortgage - last payment was made in Dec. Figure I have saved , by not buying during the bubble. Computer admin. My salary in Florida is great but would be laughed at by an engineer in California. Bonus points for what your monthly housing costs are rent or own and how much you have in savings. But I have less than 7k in debt including my car.