So I asked Tanya here today to talk a little bit about getting you ready to buy a home. What does it take financially? She's not a lender. So we'll talk to a lender in a future episode. But preparing yourself to get ready is all about credit scores, money, and all that kind of stuff that’s important.

8:53 - 5 Ways That You Can Help Your Credit

16:48 - Adjustable Rate Mortgage and the 2008 Crash

20:43 - Importance of Cash

I think owning a house is a wonderful opportunity. It creates a sense of purpose and value for you as an individual, maybe because of the goal that you have. It typically starts with cash flow.

So how much am I making, what are my bills, how much extra do I have, and could I afford the payment that is being proposed for me? Because I would say that it's very difficult to be something that they call a "house pour," where you take on a large payment of a house when perhaps your income is not quite ready for that. So you just need to think about it. There is a road to navigate, and I am ready. Are we financially ready? And then, when we are asking questions and getting good advice, I think it is very important. Finding someone that you trust more than your mom, your dad, or your brother and that you think will also give you unbiased advice is a good idea. I think it is a good idea to, in regards to Trivent, help people with their finances so that they can hopefully live a fulfilling and stress-free life. Maybe not free, but overall, I feel like when our finances are in order, it can also trickle down and help us in other areas of our lives. It can allow you to be more generous. So that is my goal and my overall initiative when it comes to helping people understand and navigate the road to their financial future.

If you don't put 20% down on a house, you typically have to pay something called private mortgage insurance. And so just doing a little planning, having a little cash flow, setting that goal, or working a little extra now so that you have more cash for later can also be beneficial.