Personally, I think the easiest way to decide between a 15 and 30 year mortgage is to decide that a 30 year mortgage is never an option. If you have to pay for a house for 30 years you can’t afford the house. If you decide to pay somebody else more than double the total amount paid to interest because you had to make…

I think its also important to consider how long you plan to stay in the house. Is this your forever home or something you plan to leave after 5 years? When I bought my first condo I knew I wouldn’t be staying there forever and got a 7/1 Arm at a much lower rate compared with a fixed rate mortgage. (This was also when…

You missed the point. It’s not about amount of time left. And anyone who looks at it that way is a fucking sociopath.

You are a moron.

Or... and hear me out here... this kind of giving should be built into our tax system in an equitable way and properly apportioned to social services so that nobody has to suffer through living on the most impoverished budgets.

“Spending money irresponsibly because the amount seems trivial” is an unwanted side effect of wealth, not the goal.  This philosophy is intentional lifestyle creep.

“But you have so much money!”

“But you have so much money!”

Alternative approach - tell them about the money; break up with them and find a better partner when they say an idiot thing like this. Big long term red flag if they don’t understand basic financing.

Possibly a more pressing question: what are you doing snooping on your partner's phone?

Why are we talking about this? A Republican is in the White House.  The national debt only matters when a Democrat is in office.  This should not be discussed until Fox News informs us it is time to rage again about the national debt. Until then, what national debt, I don’t see national debt. You are just making it up.