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Millennials Are Seeking Prenups—and It Might Just Be Worth Considering

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4 Ways To Save Up for a Down Payment (Without Giving Up Your Avocado Toast)

A wealthy real estate mogul recently told millennials to stop buying avocado toast if they ever want to buy a house, and the internet went berserk. The advice was poorly received, because many felt that it was out of touch with the current financial environment. For one, the millennial generation has only ever known income stagnation, wages that haven’t kept up with inflation, and skyrocketing college and real estate prices. Two, the assertion that we can’t stop shelling out for fancy breakfast foods buys into the shallow narrative that millennials don’t know the meaning of hard work or the value of a dollar.

While I largely side with the outraged denizens of the interwebs, I’ll play devil’s advocate here: Clearly, Avocado Man was hoping to make a point about frivolous spending, but he veers off track when making the assumption that this is a trademark of the millennial generation. Current times have seen people of all ages spend more on “stuff” than ever before.

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What Homeowners and Homebuyers Need to Know About the Fed Rate Hike

If you’re in the market to buy a home, or you recently became a homeowner, you’ve probably noticed that mortgage interest rates are ticking up. And just this past March, the Federal Reserve increased the Federal Funds rate by one-quarter of a percentage point for the second time since December. Coincidence? Probably.

We’ll get more into what the Fed rate hike is all about below, but the burning question is: What impact does it have on mortgage rates? Most importantly, how will it affect home affordability and your monthly budget?

To help you make major mortgage decisions going forward—ones that have the potential to impact you for the next 30 years—we’ve broken down what the Fed rate hike really means for current and future mortgage borrowers, and the actions you should consider.

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Buying a Home: Mortgage Prequalification vs Preapproval

Buying a home can be an exciting and nerve-wracking time, especially for first-time homebuyers. There are many steps to understand and manage in the home buying process and it’s important to work with a lender you trust. Many hopeful homebuyers believe the process begins with finding the perfect house, but this approach skips two important steps that can put buyers at a disadvantage.

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Making an Offer on a House: What You Need to Know to Close the Deal

When you’re in the home-buying game, especially in hot markets, you’ll discover a process that is both multi-layered and time-consuming—and, at the end of the day, designed to take you from writing an offer to holding the keys in your hand. Understanding each part, your role in it, and how to maximize your participation in each part will save you time and money, and keep you ahead of the game.

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