Is It Too Late to Buy a House? What the Math Says
The feeling is earned; the claim is wrong. What changed for first-time buyers, and the three levers that still open the door.
How to Identify a Good Investment Property
Identification is a filtering job, not a treasure hunt. The four screens, in the order that kills bad deals cheapest.
How to Save Money Without a Strict Budget
No line-item budget survives contact with real life. Automate the save, attack the big three bills, and track one number a month instead.
Are REITs Worth It? A House Hacker’s Comparison
REITs give you hands-off real estate you can sell in seconds. A small building changes your biggest monthly bill. What each one actually does with your money.
House Hacking at Today’s Mortgage Rates: What Changed, and Where It Still Works
Higher rates added $991 a month to the same duplex. Of 83 metros screened, only a handful still let rent cover the payment, and some of those run negative.
Should I Get a Tiny Home? Tiny Home vs. House Hacking
A tiny home is cheaper to buy and far more expensive to borrow for. Here is the monthly math against house hacking a duplex, using both loan types side by side.
Down Payment Assistance for a Duplex in California
California’s state housing agency will not put down payment assistance on a duplex. A statewide joint powers authority will, at a 640 credit score, and most buyers have never heard of it.
AI-Proof Income: What to Build When Entry-Level Jobs Shrink
The thing happening in the job market is not mass layoffs. It is that the bottom rung of certain office careers is getting harder to climb onto, through hiring that slows rather than jobs that disappear. Five things to build instead, starting from nothing, and a straight account of what none of it protects you from.
AI Is Raising What It Costs to Keep a Roof Over Your Head. Here Is How to Get Ahead of It.
The AI data-center boom is already adding to household electricity costs, and that is the part of your housing budget you have the most control over. Five practical moves, ordered by what they are worth to someone without much capital, plus a straight account of what none of this fixes.
Is AI Coming for Entry-Level Jobs? What the Data Shows
Not in the way the headlines suggest, and the difference matters for what you should do. There is no wave of AI layoffs in the numbers. What three separate research groups have found is narrower and, if you are young, more relevant: the bottom rung of certain office careers is getting harder to climb onto, because hiring slows rather than because anyone gets fired.