Don’t buy a house for your kids. Buy it for you. The kids will adapt. I grew up in a 1200 square-foot house with two brothers, and a mom and dad. We had one bathroom, and no air conditioning. Mom had three dishwashers. My two brothers and me. The 60s and 70s were a simpler time. A pool…lol. We had a sprinkler hooked to a garden hose. Do not live beyond your means.
This is great advice. Thinking that the next biggest house or vehicle will make you happy is foolishness Learn to be happy with what you have. Save and prepare for the future..the economy is about to take a major dump. There is just a bad feeling in the air. Making any major financial commitments (debt) now ..in my view is not wise.
I agree bro. I grew up the same way, 1100 square foot, 2 brothers, shared bed room and bathroom. I didn’t feel underprivileged. It’s what you get use too. I now raise my daughter in a much larger home and I feel like I shouldn’t because it’s not needed and worry she may feel she needs something the same size when she has kids.
If you have to sell this Tundra just to get approved, chances are you are stretching too far in a very volatile market. Tread with care, Learn to be happy without purchases…only advice I can give you. Houses and cars never fulfill dreams, they are just tools. Anytime I want to make expensive purchases. I try to step back and imagine it’s my sister or a friend and analyze the situation from a third-party perspective.
You’re absolutely right. Getting into the house without selling is possible but we’d be scraping by for sure. House rich, bank broke. No denying it’ll be a stretch but worth a shot nonetheless… if it happens it happens, if not. All good! We’ll continue to enjoy the beautiful home we have (and are grateful for I promise). =]
I don't know, I have a few older sports cars that I always wanted and finally got them years ago. They make me pretty happy, especially when I drive them. But yeah, being in constant debt for the newest shiny model would not be very fulfilling to me.
@@UntamedMotors only you and your wife know your finances best. At least you aren’t trying to be both house AND car poor like the majority of the country :)
@@user-ek5nl1jc4b I have a Genesis g70 3.3tt prestige. MSRP was 57k and guess what? After this lease ends I’m getting a base model Subaru crosstrek for 24k. I’m sick of bills. Going on 30 years old and realizing having all the bells and whistles doesn’t matter anymore 🤷♂️
Doses being happy mean sitting still and driving the same car forever living in the same house forever? Can’t I love our current house but also pursue something else if it means providing an even better life for my family? Wanting to improve doesn’t mean I’m not content.
@UntamedMotors better life how? By giving them a bigger home, stretching your finances thin, then putting the burden of them taking care of you when you're old because you couldn't keep a car for more than 5 years before deciding to start over on a new car? You'll sell the truck now, buy it again next year, then the cycle starts all over for you.
And you bought that PlayStation or first car and were happy forever. Yeah happiness is fleeting. It’s why we as a species survived to keep pushing forward to bigger and better pastures. Ask the single celled amoebas if it’s fun floating in the ocean or evolving into humans to explore. Create. Adventure. . .
Been a long time watcher and supporter. Bro I think you need to seek some help man. This is not normal behavior. I say this with best intentions. Will still be a viewer! Along for you wild ride
Haha yeah that ship has sailed. 😉 In all seriousness, we were plenty happy and just fine a few days ago. Offer came in and now we’re giving it our best go. We have the means to buy the new house without selling the truck, I’d just like to have a larger cushion as we make the move is all. I wouldn’t do it if it didn’t make sense for my family.
Is it a need or a want? I think your home you are currently living is perfectly fine. I wouldn’t sell it. You can always upgrade your home when you are ready. Not when you stretching to look better on paper. That’s my best advice.
Hear my story: I don’t normally comment on videos, but I would like to give some suggestions being someone just sold my dream house and downsize to a smaller house with my family. One lesson I learned is it’s about amount of laughs than the sqft of the house. Back in 2022, my wife and I built our dream house on 10 acre wooded land, the mortgage was double than our previous house. After we move in, we argued more, I had less time with kids cuz I had to work more. ONE day, I realized the better “LIFE” I provided to my kids isn’t something that they even wanted. They wanted dad to spend more time and take them more to park, they don’t care about sqft, location. This year, we sold it and downsized to a half size sqft and mortgage house. We can’t be more happier. TRUST ME, unless your income is 10X of your new mortgage, you will be struggling financially.
Don't get too far out over your skies with a house. The only thing your kids need to be happy is your love! I suspect the new house is your want, the kids won't care. Financial strain is hard on the whole family. Remember that you can't get ahead financially in this world until you get to zero. The longer you take to get there the harder everything is in life.
As a middle aged man who has overextended in the past…less debt will bring you more happiness than a bigger house…less debt often means more free time. More free time with your family FAR outweighs a nicer home or nicer anything really. Time and love is THE BIGGEST gift you will give them…that’s what they will remember in 20 years…not the house or the vehicles. God bless😀
As another middle aged man I couldn't agree more with you my friend. Just keep your house and enjoy a mortgage that dosnt stretch you to the point that all you do is work and not enjoy time with your family. 10 years from now you will regret missing all that time with your family because you had to work to pay for a huge house
I 100% agree. We over extended on our house when we got married… but we have been here 29 years… not upgrading. Also we still have a gravel driveway. However I would not sacrifice any of our family vacations (or two) to have a nice concrete driveway or new kitchen etc.
Don’t do it! Selling the Tundra is financial suicide. Often what you want is not what you need. You have a beautiful home stay in it. A bigger home will only bring emptiness. Just an old soul speaking. Like Waylon said This successful life we’re living got us……
Firstly, you can do what you want, and I don't know all the details of your situation. What I do know is the key to happiness in life is to be content with what you have, and be very measured about the debt you take on. There will always be a hill with grass that looks greener, and it isn't always the case. You have a beautiful home, a great family, and a car you enjoy and have a passion for. I don't know man.
If that was the case so u still have the Nintendo growing up and play on it while people game on Xbox’s ? What about the first car you had. Surely you could have kept fixing it yourself for cheaper and got the 2 million mile club by now because who needs new cars? Life is to be enjoyed. And yes I see you’re cautious. Dude obviously is disciplined enough to manage his family that large. Most can’t even afford one kid.. he has the training of military and has that work ethic and discipline and drive to do what needs to be done He’ll be alright
@@ssing7113 debt makes us all slaves. I'm sure he'll be fine, but the idea of stretching to afford "our dream home" is a bit crazy to me because they'll always be something else that's a little bit better.
Young people expect to have their dream homes way too soon in life. They get stretched out and then get tight with finances. Money problems break up more marriages than anything else Learn to be content with what you have and can afford
I understand there’s no way for me to present this without some people taking it the wrong way. That’s okay. Fact is we are plenty happy with what we have. Just worth giving it a shot as I know it’d be an amazing home for my growing family.
Good advice. Kids either low IQ stupid, or purely irresponsible. EVERY U.S man/women/child currently owes 103,000 in government debt, that's over and on top of what they currently owe in personal debt. like it or not, that's gotta be paid back one day.
says the guy who could buy his first house for almost nothing lol....... try being under 30 in this screwed up world and economy your generation created.
@@UntamedMotors It's not worth the shot. You already have someone else's "dream home." I don't have a mortgage anymore - thankfully - but I also don't have a "dream home". In return, I can take my family anywhere and make amazing memories that we get to, and do, talk about all the time.... we can take our kids friends on vacations which is even more of a blessing for us, our kids, and our kid's friends. You have your dream house. it's not worth the shot.
The need for Americans to live in McMansions is ridiculous. The average house in the 50’s was like 1,000 sq ft. Kids shared bedrooms. Families watched ONE tv. Families were closer. And people were overall happier. I’m not saying you shouldn’t strive for something better. But better is a never ending road.
Just remember that everything you have now is something you once hoped for… Just because we can doesn’t always mean we should… Wishing you the best see you in the next one!!!
Debt sucks, stretching yourself sounds scary. We bought our home well below 50% of what we were pre approved for back in 2012. Our goal is to have this home paid off in 3 years or less. Honestly you may want to sit down and take time to think about this. It's your decision but being debt free is a huge relief. I just may be getting old though at 44.
I was reading through the comments and not planning to comment, but.....I'm a lot like you in a lot of ways. I see the comments about "never being happy" when I know that's not the case. A good husband/ father is always thinking of ways to improve their situation. I don't think you are foolish enough to do anything that would be a detriment to your family. Getting the dream house means a lot more than a vehicle, and you can always find something else you want down the road. Good luck, hope everything works out!
I really appreciate that man, thank you. You’re absolutely right. Has nothing to do with “not being happy or content” we’re plenty happy and content here. And as of a few days ago, we weren’t even thinking about moving again. Seeing it as an opportunity to better our situation like you said.
Dude ! Economy is a bubble ready to crash ! Don't Do it ! SELL THE CAP AND DECK SYSTEM ! You have the perfect house and vehicles! You will never get a better interest RATE then what you have on your current House ! Your Goal Is To be Debt Free By Time kids Are entering College . Slow down ! REFLECT and RELAX ! Also , If you can't afford buying house without selling your truck should tell you should NOT be buying that new house ! Good Luck with everything and always rely on your Gut Feeling .
What you do is your (and wife's) decision. I have not been watching your videos long enough to fully understand your background but I have picked up a few things. I recently saw a video where you discuss not buying things because they make you happy or to keep up with the Jones' or something along that line of thought. You also seem to buy a lot of vehicles. You can do that but I have a 1988 S-10 Blazer and a 2001 Grand Cherokee. I keep items a long time and repair them if needed. My washing machine may be 25 years old and I have made about five repairs to it over that time. Some minor....some more involved. Are your vehicle purchases just to have the next new thing or because they became unreliable? Then you tried to sell your house several months ago. I do not know why but if you were planning on building a shop when it did not sell it must have been to buy something "better." It seems like two major purchases (homes and vehicles) are made perhaps just to improve your status or some similar reason. If you have to sell the high end (costly) Tundra TRD Pro to get the dentist's home maybe your past frequent vehicle purchases were a costly mistake.
One area you have to be very careful of as a parent. Whatever you give your kids now, whoever they decide to marry and leave home for, will they be able to provide the same thing they are used to having. I've seen it happen too many times. The pressure to have what they are used to living with causes problems in their marriage. Even worse, perhaps it causes them to pass by someone who's supposed to be their soul mate. A wonderful home like you have, and even more importantly, loving parents that I'm sure you both are, that teach love not material things, are what's most important for your children. I love your channel, and I feel somewhat inadequate to be offering you advice, but I guess 65 years of experience counts for something, lol. Best wishes for your upcoming decisions.
Slow down. Stop trying to do things to impress facebook and youtube folks. In 10 years you are going to look back on half your purchases and shake your head. As for "the big dream house", I grew up in a huge house, literally had a floor to myself. I always wished I lived in a normal sized house where families are forced to spend time together and bond. Bigger house means bigger space and less time together, especially when those kids are teens and won't be so excited to see you. Think long term, stop chasing your tail.
There is no way I'd sell that truck short of having major financial problems. You have the best Tundra made, the new are problem prone and do not compare, you'll be sorry if you do. Sell other vehicles. Also swimming pools are a big expense to heat and maintain, most potential home buyers don't want homes with pools for those reasons along with higher insurance cost and liability. Kids need to grow up knowing that they can't have everything, otherwise they become entitled.
This is an odd video. I just "Liked" and very much appreciated a video from a few days ago where you said you were happy with what you have and need to remind yourself of that... now this. "A double minded man is unstable in all of his ways." Be careful.
There’s no chance I would buy a house in this market unless I had to. The interest rates are ridiculously high. My wife and I are updating our existing house. I would encourage you to as well, make it your “dream home”
You don’t need my opinion, but you are making a mistake buying something out of your league. Your kids don’t need everything you think they do. This is a societal problem with an entire generation that thinks you have to spoil kids way beyond what’s necessary and it’s hurting them
I know you don't post for the advice of strangers on the internet, but the comments are overwhelmingly advising you in one direction, and many of us are speaking from experience. Being content with life doesn't necessarily mean you've settled. When you start feeling like "I'll be more happy if..." you're losing a bit of the plot.
Do what you gotta do but you must REALLY be stretching your budget if that truck loan makes the difference between pulling this off or not. That's some thin, thin margins. Can't say I haven't played that game myself being honest but luck played a hand in my case and the economy wasn't as sketchy.
I enjoy the videos and I’ll keep watching. That being said, anybody that also watches probably should also watch some videos on financial management. I’m not sure what his strategy is here, but, I would probably do things a little differently.
explain to my why anybody would be buying a house right now with these interest rates? The government refuses to let the market crash but it's exactly what we need. Not only are interest rates high but housing prices are still unaffordable for like 85% of people with today's wages. If people would just let it crash prices would go back down to where they are suppose to. I swear if people just stopped spending people would lower prices.... it's almost like Americans are addicted to spending money.
Society by Eddie Vedder came to mind while watching this. While it’s certainly exciting thinking about a dream house, it’s not the house or the pool your kids will remember from their childhood. It’s the short trips to Sonic, impromptu weekend getaways, and deep belly laughs. Certainly an outside looking in scenario, but you guys have a beautiful home, reliable transportation, and a great view. To give any of that away for a larger or fancier house doesn’t always equal more happiness. Wish you the best in whatever decision you make man.
Horrible time to sell or buy, even with VA loan. Even with 3 young kids I’d love to downsize and have cheaper mortgage and maintenance…and more freedom. - professional firefighter/paramedic 19 years, ex marine from 1993. Good luck.
pvc tubes, sheetrock, simple cheap wood is like 3x the price from 20 months ago. Doing a simple repair costs hundreds today. And if you call some handyman they wil gladly charge 5x more than the hourly charge of a doctor doing heart surgery for a 2 hr job..... scums tbh
You usually give great assessments but for yourself your assessment is cloudy. If you and your wife together have to sell everything to get into something else supposedly nicer. Then you both are getting in too deep over your heads. Don’t do it
Count your blessings, do place your hat higher than you can reach. Your kids look happy in your few videos and that is all that matters. You can still put a pool on that lovely acreage you all have but with time.
Kind of disappointed. Thought that it would truly be one of your forever vehicles. But this is a good choice. Vehicles will deapreciate in value. Houses can only go up.
There’s still a chance it sticks around. I’ll know for sure in the coming weeks. This is 100% the best truck I’ve had… hate to see it go but I can’t swing the house purchase with it. =\
Good luck Mr. Untamed. You and your wife have a lot to look forward to with the 4 kidos. Just remember you will get out of bed one day and the youngest will be graduating from college and you will wonder where time has gone. Enjoy every minute my friend, time flies.
Thanks Shane, amen to that. And that’s honestly what is driving me to even give this a Go… it’ll be a house perfect for our kiddos and one we’d for sure make some great memories in. Not to say we won’t make equally great ones where we’re at now… but it’d be awesome.
I work for a pool company and my advice is to make sure you are comfortable with the maintenance cost of the pool assuming no major repair is ever needed and just treating the water to keep it clean and maintain pH level, you will spend 1-2.7k every single year
Unfortunately not anymore. GoRhino sold to a company called RealTruck. I have a discount link to that site that’ll ensure the best current deals throughout the site though. Use that if you’re trying to snag a set!
Debt is mostly bad. With interest rates so high I have no idea you would any consider it. If the interest rate is higher than what u have now it’s a bad decision. Good luck.
The bad interest rates are what is allowing me to buy a house for $300-400K less than what it appraised for last year. 👍 If rates go down a bit, I just magically accumulated a large chunk of equity than I can leverage.
BRO I’m in the same situation. I put offer in, got accepted. The owner needs to find a house. The first house she paid for inspection and for whatever reason that inspection went bad… our contract ends July 23. If she doesn’t go under contract before then I’m backing out and renting!
Don't sell the truck. No one is moving to Colorado so that contingent deal is a pipedream. You might as well continue as if nothing happened. If that house is in Denver or The Springs or Pueblo, they are all holes where everyone wants out and no one wants in. You love that truck. Don't sell.
I would sell the house, and rent for 12-24 months. Most houses will come down in price considerably by then. I do not think rates will change by much. What car will u be replacing the Tundra with?
ppl think 2008 will reloop until the last day on earth... Houses will never drop in price because the dollar is depreciating faster than an open field caught on fire per hour. Its the end of this fiat currency like every other in the last 400+ yrs.
@@slumy8195 I don't disagree with you about the currency. Wasn't Untamed house put on the market 20 or 30k below market value without an offer? Although he might be selling now. Most markets are slowly correcting themselves.
Always live below your means. Ask a self made wealthy person and chances are high they'll tell you they continue to live below their means and will probably never feel wealthy. Ask someone who inherited wealth and they're more likely to lie about living below their means, while living at-or-above their means. Always pay yourself first. List all of your regularly recurring bills. At the top of that list add the 80 year old version of you. What value do you place on the 80 year old version of yourself that's no longer able to work? Make that version of you a monthly must-pay non-negotiable bill, before taxes, before all other expenses. If that forces you to make much tougher budgeting decisions today, so be it. Nothing wrong with a humble life. Lack of finances is the #1 stressor in life.
I had a lot of fun in the inground pool when I was 10 to 20 years old - Now at 37 the maintenance is such a chore that I would have said to my parents decades ago - just get a nice above ground pool - you can easily get rid of it when you are sick and tired of it. Don't buy a house because of a pool. Maybe just add on to yours and get your own pool - much cheaper than a whole new house!
Be cautious about stretching yourself to buy this new house. Will the lack of monthly funds, that you could use for other activities with the kiddos be worth it just to have a house??? My wife and I did this exact thing last year, we have regretted it ever since. Our kids have even expressed remorse, missing their old, smaller house. I too, sold my 2016 1794, dream truck to help make the house purchase happen. Please, Please, Please, proceed with caution.
Wait, didn't I just watch a video from you 4 days ago titled "I'm the RICHEST I've ever been.." about how materialistic things will only leave you feeling enthused and empty? lol...
Your current house is nice. But I think you might regret moving into a bigger home if you're questioning your Debt to income ratio. Assuming that's why, you'd have to sell the truck. I have been to many large family homes. Only like 1 out of 10 people with homes over 5k sqft. Are actually spending the money to deck-out their homes. You need a 50k Persian rug in the living. Surrounded by the custom sectional. Not the cheap rugs from IKEA. A imported chandelier. Not one American made. It's like so many little nuances of inner decadence that goes out the window. When people are looking at the grounds of a home or exterior. I bs you not the nicest home I've probably ever been in was like 965k at the time. But this dude had the rocks that encapsulated his back yard. The silk rug is just for his master bed to take up most of it.
Grew up with a pool, loved it! Set my sights on one as an adult for my three kids. Wife is adamant - … no way, kids can drown. I’m like, yeah looking back I had a few close calls swimming, but here I am today - whatever babe! Neighbor’s two year old drowned last summer. Sliding door was left open by an older sibling. Happens more than you think. I cured myself of a house with a pool damn quick.
Home sales have really slowed. I can’t imagine paying 7% interest on a $500k-$1.5M home. Freedom from debt pressure is a value that many people don’t consider. My rule of thumb is if things went bad for me financially, can I manage to keep the house for the family? If the answer is a possible “no”, then it’s too much house for you. My 2 cents. Best of luck to you.
I see young couples in my neighborhood buy these huge new homes and can't afford to put in a lawn or build a fence and in a year or two the for sale sign is on the lawn,it's like a revolving door of homes around me.🤣
First of all there's never been a worse time in history to buy a new house, and if you have to sell your truck to afford then you CANNOTafford it. You need the path that's gets you out of debt the fastest. You're regret selling that truck. I just don't wanna see you make a terrible financial decision so please think it thru. I bought a new house last spring my credit score was 837 and best rate I could get was 7%.
NOOOOOOOOOOOOOOOOOO EMOTIONAL DAMAGE!!! I’m gonna have to watch you sell another TRD Pro 😭. Kidding aside, be wise and do what’s right for the family. It’s just a vehicle lol
We bought a home WAY over our comfort zone for the same reasons. We and ended up scraping the barrel for 18 years to keep it. We did it for our kids, but we stressed out keeping it. It is so much better to stay within your means. If you want peace: "WANT WHAT YOU HAVE, BUY WHAT YOU NEED". Take that extra money you were going to pay for a dream home and save it. Kids just want love and attention. Before you know it...they will be in college and that money you saved will benefit them more for their future.
Yikes 4 kids are expensive! Stretching for a more expensive house, means less $$ for the family. Be careful. Especially at current high mortgage rates! Plus used market has collapsed, you will get much less for your truck.
Guys if your watching this hopefully someone at Untamed is watching this in hopes to change their ways. Toyota has watched Untamed for years and as a result, Untamed is the single reason for Toyota's price increases. Toyota has decided instead of letting Untamed buy and sell at a profit we all must pay for higher prices. Just kidding 😂😊😂
I’ll be completely honest with you, you sound the the stereotypical American consumer. Just chill, I’m sure your place is fine for your family. If you like Toyota for being a good vehicle that lasts forever maybe you should keep one long enough to find out.
What kind of vehicle are you gonna get to replace the Tundra ? I see you got a second car. Are you gonna reduce yourself down to 1 vehicle ? To me, like many others are saying, this seems like a bad move. Where I live , every 3 years, they increase the property tax on my places. 😒
Plus, current interest rate is 7%+ and why you are selling a house big enough for your family and dump 3% rate you have right now??? Man I truly love your channel, that’s why I’m saying this.
Sell the tundra, keep your current house and try to pay your current mortgage off. The market is completely fake, we all know it. Could crash at any minute. Buying your dentists house when it’s a stretch sounds like a terrible idea.
If you get rid of the Tundra what would you buy? And can you afford another vehicle if you get the dream house? A lot of the other comments are valid points! Difficult decisions!
Absolutely worst time to be doing this.. what the hell are you thinking? Dont hold a fire sale when there isnt a fire? Dont fall in love with a house. A house is like a truck. It has a purpose. Why dont you go buy a fully loaded Tundra as long as you keep thinking you need to leave beyond your means. This is seriously NOT a good idea. And you need to have money in the bank for months not just a few weeks. And your interest rate will be insane.
As a personal owner of the 21 lunar rock TRD PRO i will say this is your 2nd ownership 9f a true unicorn and if you sell it dont buy another one not many people are blessed with one unicorn much less two, myself i will never sell mine i dont care what comes along
I really enjoy watching your videos and always look forward to the next one. Take a step back. Analyze this. Look at it from another perspective. What would you tell someone else if they were thinking of doing this. Ask advice from Mrs. Untamed. Listen to what she says. Talk to your parents. And hers. Knowledge is power. Talk to your banker and financial advisor. A new and better house is not a cure all. Good luck on whatever you and your wife decide....
Never stretch ... if you can't afford it then don't buy it. That's how you lose your house l. You see are like girlfriends... plenty of fish in the sea
I recently traded my 21 TRD pro on a Chevrolet HD gasser. I needed the towing capacity that the Tundra just didn’t have. Got many compliments from total strangers on the Tundra.
