What do you feel like saying, right now?

[cheerfulgreek]

Originally Posted by Phrozen Sands

LMAO! Hell naw, no you didn’t just throw me on the Maury Povich show LOL!!!! It’s like that CG?

Alright that one was a “my bad” situation LOL

lol
Well, it could have been worse. I could have put you on Jerry Springer.

Originally Posted by Sciencewoman

I should stay out of this conversation, but the ditched and relegated to the camper scenario cracks me up.

Same here, lol.

[Phrozen Sands]

Originally Posted by Sciencewoman

I should stay out of this conversation, but the ditched and relegated to the camper scenario cracks me up.

Originally Posted by cheerfulgreek

Same here, lol.

LOL! For real though, y’all are laughing, but let me be serious for a second. If the house is in her name only, then it’s not “our” (their) house. It’s hers. She owns the deed, she controls the mortgage, and she holds all the leverage. Dude paying rent doesn’t buy him equity, it just makes him a tenant. If they split, he doesn’t get a claim, he just helped her build her asset. That’s the reality.

Calling it “our house” sounds good emotionally, but legally it’s still hers. She’s secure no matter what, while he’s the one giving up his house, his equity, and his independence. That’s not balanced, it’s lopsided as hell. He’s all in, she’s halfway in with a parachute.

And that’s why this is so wild. If it works (and I hope it does), cool, she’s got a dude helping pay for renovations. If it doesn’t, she’s still got her house, and he’s out here polishing rims on his camper. Dude went from homeowner to having less equity than a 19 year old DoorDash driver with a busted Corolla LOL. Y’all laughing now, but tell me that ain’t crazy.

[XAntoftheSkyX]

Originally Posted by Phrozen Sands

And that’s why this is so wild. If it works (and I hope it does), cool, she’s got a dude helping pay for renovations. If it doesn’t, she’s still got her house, and he’s out here polishing rims on his camper. Dude went from homeowner to having less equity than a 19 year old DoorDash driver with a busted Corolla LOL. Y’all laughing now, but tell me that ain’t crazy.

Even with buying a camper, he will still have a sizable amount of cash from selling his house, depending on the other factors. If he sells for $400k and let's say the camper costs him $50k, that's still $350k he has to reinvest elsewhere, pay rent, etc. plus any other forms of income he has. Even if things don't work out, as long as he has his head somewhat on straight, he can at the least take the money from the sale minus the camper and any other expenses and make an offer/down payment on a new place. Which can include selling the camper which will recoup at least part of it's value, even if it depreciates like all other vehicles.

[AGDee]

Originally Posted by XAntoftheSkyX

Even with buying a camper, he will still have a sizable amount of cash from selling his house, depending on the other factors. If he sells for $400k and let's say the camper costs him $50k, that's still $350k he has to reinvest elsewhere, pay rent, etc. plus any other forms of income he has. Even if things don't work out, as long as he has his head somewhat on straight, he can at the least take the money from the sale minus the camper and any other expenses and make an offer/down payment on a new place. Which can include selling the camper which will recoup at least part of it's value, even if it depreciates like all other vehicles.

Exactly. We each have the equity from our original homes. I put the entire down payment on this one and his rent will be half what he pays for his mortgage now. He will have a ton of equity left after buying a $40K camper. He also wants to buy some acreage in the woods where he can hunt and keep the camper. That's his choice.

[cheerfulgreek]

Who’s Charlie Kirk?

[Cheerio]

Originally Posted by cheerfulgreek

Who’s Charlie Kirk?

Think he had a radio show on a few of our local 'SALEM' and 'THE ANSWER' conservative AM radio stations. I recognize his name from when I'm changing radio stations to find something to stay with during commutes.

[Phrozen Sands]

Originally Posted by XAntoftheSkyX

Even with buying a camper, he will still have a sizable amount of cash from selling his house, depending on the other factors. If he sells for $400k and let's say the camper costs him $50k, that's still $350k he has to reinvest elsewhere, pay rent, etc. plus any other forms of income he has. Even if things don't work out, as long as he has his head somewhat on straight, he can at the least take the money from the sale minus the camper and any other expenses and make an offer/down payment on a new place. Which can include selling the camper which will recoup at least part of its value, even if it depreciates like all other vehicles.

Yeah, $350k sounds like a cushion, but cash melts quick when rent, bills, and a depreciating camper are eating it alive. Equity builds, cash bleeds. When your fiancée’s cashing rent checks like she’s your landlord, you’re not really building a future, you’re buying time. And if dude thinks that $350k will stretch forever, just wait, give it a minute and he’ll end up in the Popeyes drive-thru praying for extra biscuits with the 2-piece special LOL

But for real though, here’s the real kicker. Research shows women initiate around 70 - 80 % of divorces, and that rate jumps to nearly 90% among college educated women. And most aren’t walking away from abuse either, they’re just walking away because they’re not happy. So tell me again why a dude would trade his house for a camper and rent agreement when the odds are stacked like that?

[AGDee]

Originally Posted by Phrozen Sands

Yeah, $350k sounds like a cushion, but cash melts quick when rent, bills, and a depreciating camper are eating it alive. Equity builds, cash bleeds. When your fiancée’s cashing rent checks like she’s your landlord, you’re not really building a future, you’re buying time. And if dude thinks that $350k will stretch forever, just wait, give it a minute and he’ll end up in the Popeyes drive-thru praying for extra biscuits with the 2-piece special LOL

But for real though, here’s the real kicker. Research shows women initiate around 70 - 80 % of divorces, and that rate jumps to nearly 90% among college educated women. And most aren’t walking away from abuse either, they’re just walking away because they’re not happy. So tell me again why a dude would trade his house for a camper and rent agreement when the odds are stacked like that?

Because he could still walk away and buy a house with his cash. You act like he's not working and doesn't have a 401K. He'll be paying half what he's paying now for housing. I just put 50% down on a house that he'll end up inheriting when we get married. Why would I give him all of that without being married? Seriously??

[cheerfulgreek]

Originally Posted by Cheerio

Think he had a radio show on a few of our local 'SALEM' and 'THE ANSWER' conservative AM radio stations. I recognize his name from when I'm changing radio stations to find something to stay with during commutes.

Yeah, I looked him up. He’s a huge Trump supporter. Honestly, I think it’s a right wing inside job so they could take the spotlight off of Trump and Epstein. It’s a distraction.

[carnation]

There's a lot more to him than that.

And Epstein had "friends" from both sides, so to speak, and I don't think that politicians from either side care that much. After what some sitting presidents have done, there's no outrage anymore.

[agzg]

Originally Posted by Phrozen Sands

Yeah, $350k sounds like a cushion, but cash melts quick when rent, bills, and a depreciating camper are eating it alive. Equity builds, cash bleeds. When your fiancée’s cashing rent checks like she’s your landlord, you’re not really building a future, you’re buying time. And if dude thinks that $350k will stretch forever, just wait, give it a minute and he’ll end up in the Popeyes drive-thru praying for extra biscuits with the 2-piece special LOL

But for real though, here’s the real kicker. Research shows women initiate around 70 - 80 % of divorces, and that rate jumps to nearly 90% among college educated women. And most aren’t walking away from abuse either, they’re just walking away because they’re not happy. So tell me again why a dude would trade his house for a camper and rent agreement when the odds are stacked like that?

You're coming at this from the view of a single guy with no kids. Two adults made a plan together about their assets and are carrying out that plan. Considering they both have adult children to consider, this plan protects both sets of kids in the event one of them passes away before they get married.

FWIW my dad paid rent to his now wife while they lived together briefly after he sold his house and before they were legally married. When they got married he used the proceeds from the sale of my childhood home to "purchase" half his wife's house, refinance the remainder of the mortgage and put himself on it, and put himself on the deed to create a "stake" for me and my brother if he passed. They did a bunch of estate planning as well to protect both sets of kids, including what's to be done with any remaining inheritance he got when my mom died.

Just because someone does something differently than you would doesn't mean they haven't put a lot of thought into the way they approach financial decision-making like this.

[Phrozen Sands]

Originally Posted by AGDee

Because he could still walk away and buy a house with his cash. You act like he's not working and doesn't have a 401K. He'll be paying half what he's paying now for housing. I just put 50% down on a house that he'll end up inheriting when we get married. Why would I give him all of that without being married? Seriously??

This is exactly the problem though. You’re talking about him inheriting a house you already control, like he’s your kid waiting on the will to be read. A fiancé shouldn’t be paying rent to prove himself worthy of a deed.

You keep saying he’s fine because he’s got a 401k, equity, and cash. But you notice how all his assets are liquid and shrinking while yours are tied up in a house that’s growing? You’re secure no matter what. He’s gambling everything on you. That’s not balance, it’s leverage.

And the whole “why would I give him that without marriage” line? Flip it. Why should he give up his house, his equity, and his independence for a camper and a rent receipt? See, that’s the part you never answer. Because deep down you know, it’s lopsided. Sounds like your playing landlord, not partner.

Call it whatever you want, but at the end of the day he’s your fiancé on paper and your tenant in practice.

And let me ask you this, if he’s all in, ready to marry you tomorrow, why aren’t you? Why is he risking everything while you’re still holding back?

Originally Posted by agzg

You're coming at this from the view of a single guy with no kids. Two adults made a plan together about their assets and are carrying out that plan. Considering they both have adult children to consider, this plan protects both sets of kids in the event one of them passes away before they get married.

FWIW my dad paid rent to his now wife while they lived together briefly after he sold his house and before they were legally married. When they got married he used the proceeds from the sale of my childhood home to "purchase" half his wife's house, refinance the remainder of the mortgage and put himself on it, and put himself on the deed to create a "stake" for me and my brother if he passed. They did a bunch of estate planning as well to protect both sets of kids, including what's to be done with any remaining inheritance he got when my mom died.

Just because someone does something differently than you would doesn't mean they haven't put a lot of thought into the way they approach financial decision-making like this.

No argument there. But let’s separate two things here. Estate planning and current ownership. Those aren’t the same.

Right now, dude is fine, because I don’t think he’s sold his house yet. That asset is still in his name, which means he’s protected if this ended tomorrow. But the second he sells, the balance flips. His equity becomes cash, and cash bleeds fast when rent, bills, and a depreciating camper are eating at it. On the other end, AGDee keeps her name on a house that’s gaining value. She’s secured, he’s exposed.

You brought up your dad’s situation. The difference there is critical because he eventually bought into the house, got on the deed, refinanced, and created legal rights. That’s when it became balanced. Before that, he was just a renter too. Same principle here. Until dude’s name is on the deed, this arrangement is one sided.

Estate planning for kids is important, but that’s not what this is. Protecting inheritances can be done with trusts, wills, and prenuptial agreements. None of those require charging your fiancé rent or keeping ownership lopsided.

Two adults can make whatever plan they want, but legally, this is off balance. Today, he’s still safe because his house is his. Tomorrow, once it’s sold, he’s giving up ownership and independence for a rental arrangement while she holds the asset. Love can be equal, but deeds don’t lie, and right now, only one name’s on it.

[PrettyBoy]

I guess I’m not understanding why Phrozen’s out here getting mortgage-length explanations. At this point I’m expecting AGDee to attach W-2s and bank statements. 😂

[cheerfulgreek]

Originally Posted by carnation

There's a lot more to him than that.

And Epstein had "friends" from both sides, so to speak, and I don't think that politicians from either side care that much. After what some sitting presidents have done, there's no outrage anymore.

So, I didn’t know he has a Christian Ministry. But I know people who listened to his co-founder (David Jeremiah) or something like that. I guess apparently he was really influential to young people? That’s what people I work with were telling me today. So sad for his children. I just think it’s really sad when kids have to grow up without their father. But I read where he said we need to live with a few mass shootings every year as a society in order to have freedom. I’m like, really? But if it’s your kids, then what? I just don’t understand people like him. I really don’t.

[Phrozen Sands]

Originally Posted by PrettyBoy

I guess I’m not understanding why Phrozen’s out here getting mortgage-length explanations. At this point I’m expecting AGDee to attach W-2s and bank statements. ��

LOL I was just trying to get clarity on why that makes sense. I just notice patterns how chicks will make decisions in relationships where they end up with the upper hand. It’s just a pattern I’ve observed even in when they choose a partner. Most dudes seem to fall for the same okey-doke every time.

Originally Posted by cheerfulgreek

So, I didn’t know he has a Christian Ministry. But I know people who listened to his co-founder (David Jeremiah) or something like that. I guess apparently he was really influential to young people? That’s what people I work with were telling me today. So sad for his children. I just think it’s really sad when kids have to grow up without their father. But I read where he said we need to live with a few mass shootings every year as a society in order to have freedom. I’m like, really? But if it’s your kids, then what? I just don’t understand people like him. I really don’t.

I haven’t heard very positive things about him. He’s given some negative commentary in the past about George Floyd that I didn’t like. He isn’t any more Christian than the Klan and David Duke claim to be.