Pick A Side: Pay Mortgage or Build Patio?
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- čas přidán 30. 06. 2024
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Caller: Should we build a patio or pay off mortgage?
Dave: Sell the car
Caller: That’s not what I--
Dave: Sell. The. Car.
😂
😂😂😂😂😂
That’s hilarious 😂😂😂
Lollllll😂😂😂😂😂
This is HILARIOUS 🤣🤣🤣
Pay the house off first! So much more satisfying to make improvements on a home you actually own!
I agree
Absolutely. I'm not upgrading my house beyond necessary repairs until it's paid off.
Personally, I would do a $27,000 patio that has room for addition in a few years after the house is paid off.
Absolutely
@@allisonautrey2136 you can build a hell of a nice patio and outdoor entertainment space with 27 thousand, and they could do it right not without waiting at all, then add on to it on 3-5 years when the house is paid off
This would be the smart decision. 27k is still a pretty decent patio.
Pay 20k for materials for the 50k dollar patio and do the building part yourself you make 70k your time isn’t worth paying someone else to do the work that you could build yourself
This is why Dave needs to be on here.
Yeah this doesn’t add up. If the patio was like $10k that would be one thing. They are spending almost their yearly income on a patio and I’d be willing to bet they haven’t saved that much and got money from an inheritance
@@Bibleguy89-uu3nrit seems like the ratio is crazy high 😅 they probably want a very fancy patio 😅
@@Bibleguy89-uu3nrit seems like the ratio is crazy high 😅 they probably want a very fancy patio 😅
A year's pay for a patio is nuts
Rachel and Jade are doing just fine
$50k patio is wild, I thought they’d say pay mortgage instead
Well they are paying the mortgage already. They have 1,000 dollars extra that they can use to pay cash for the patio. Because they are paying cash and their necessity are taken care of. That's why they said patio
Exactly! The dude is rushing this because he’s worried about what could hypothetically happen in the future. So why not pay the mortgage off asap, then if something does happen to one of them, say cancer or an injury, they will be better off as won’t have to worry about mortgage payments. This guy is just not thinking clearly.
They have no other debts. It's not a huge deal if they take 3-4 years to pay off their mortgage instead of 2
I think I would pay off the mortgage first. And save as much as possible for the patio.
Nah. If the paid off time frames are the same, why not enjoy the patio earlier?? (plus the patio install pricing is only going to increase over time, while the mortgage doesn't)
Right? They could lose their incomes - life is unpredictable. Better have paid off house then, and be less stressed when storms of life come your way.
@@hasani9110 I agree. I would rather be debt free.
I built an outdoor kitchen for $1500. Got a vid to prove it. I built it by myself in 3 days. I make under $20k a year. I’m 100% debt free. Today you’ll want a $50k outdoor setting. Then tomorrow it’ll be we need more parking for guests at $30k. Then it’s $40k for a pool. You’ve gotta live like you make $70k or you’ll never get debt free. It’ll always be something nagging at you to buy
Good point. I was listening to this and thinking that I built a large patio by myself for under $500. Planning on buying nice furniture lightly used for another couple hundred
Jeeeez start to make more money man. If you can build your own outdoor kitchen you should easily be making 60-80k.
@@cedric5055 jeeeez, I’m retired
$50k for a patio??!!!! Good lord!!
There's more than just a patio, it's the entire landscaping for their yard. There's some big dollars there, between all the greenery, interlock and any other wood work that goes along with it. It's not really a far fetched number.
Their actual plan will likely take 7-10 years. 2 years to save up 23k with the CD to get the money for the landscaping, meaning to pay off the mortgage they'll have to add another 2 years on top of the 3 if they put the CD into it. Not to mention all the extra money they'd spend on parties and get togethers. Realistically, they won't be mortgage free for another 8 or 9 years. I would have paid off the mortgage first, or at least get it down to below 40k before doing the patio
@@VecnasCurse86 you should question the 8k quote. There's no way someone is doing an interlock patio for that cost unless it's tiny
@@VecnasCurse86 that's a small patio, I could dig that and do it myself in a weekend.
I just had a 750 square foot patio put in, 20x30 with a build out and a step down and had 4 wood posts for a gazebo I'm going to build, put in and it cost me $21k. Another $39k to do the front of my house, walkways, stairs, driveway flower gardens.
As mentioned 50k seems pretty reasonable especially if it's a full landscaping job, it ain't cheap
I'm with her. Pay off the mortgage. My husband and I have been debt and mortgage free for a few years and it is the best feeling 🎉
I’ll second that
3rd!
Since I started watching Dave Ramsey, I have learned the only people that are free are those who lives debt free.
I agree, I’d rather pay the house off then cash flow the patio
$214/mo mortgage + $50 insurance + $50 county fees.
$8500/mo Pension (the Best feeling)
You did not ask about their retirement savings. If they only have a little, add the $50K to IRAs, etc. If they have $2M, then $50K for a patio is not a huge deal. A luxury purchase decision should always be based on a % of net worth.
Their logic is probably that they're saving 15% so they're good.
That was the most important question that didn’t ask and how old are they
Yeah that bothers me. Also no consideration to what the house is worth/how much this actually increases the value.
They make $70k. They do not need a $50k patio. That's insanity.
The problem isnt debt. It's that their wealth building is postponed by a lot. If they made $200k this is a small part of their world. But it's not.
Only caveat being the patio raises the property value, but how much?
I wish they would have asked how much the house is worth. I can't wrap my head around a 50K patio that can only be used part of the year.
Not 50k that’s for sure
Nothing you can pay cash for is unaffordable
@@JumaadJ It's unaffordable if you have any aspirations to be wealthy. It's fine if their main motivation isn't wealth, but they gotta buy within reason. They make $70k. Buying a $50k patio is nonsensical. That's more than their yearly take home pay not including expenses like food and bills.
And they dont even have the cash yet. They're gonna try to cash flow this month to month lol. It'll take them forever.
Just because you can buy it with cash doesnt mean you should.
We make over $200k and I can assure you, $50k is NOT a small part of our world! We balk at spending $5k on the house instead of putting it into the mortgage, these people are wild.
I love the Pick a Side segment idea.
I say pay off the mortgage
even if patio costs go up!
I'm from Harrisburg too. I think the fact that your home is fairly new, combined with "Spring Fever" and the giddiness of these 2 wonderful ladies may sway you in the wrong direction. "Be anxious for nothing, but in everything by prayer and supplication, with thanksgiving. Let your requests be made known to God" Pray on it! Pay off your mortgage are my thoughts.
I didn't think they sounded anxious, and they are letting their requests be known. I vote for the patio too! 😊
This is a tough call but pay the mortgage off!! Mark is thinking with his heart not his head on this.
I think the point is that at this point in their journey, a lot of decisions are going to come down to “heart” decisions. And that’s fine!!
This ain't a tough call is more doing what better vs what you want but atleast they ain't taking out a loan
I would have to get a few more estimates and get that patio price down
How much is the value of their house? My $0.02 comment is to pay $50k patio only after paying off mortgage. Settle with grass and gravel in the meantime. Mortgage is a need, patio is a want. Believe Dave would agree also.
Agreed.
Bingo! 🎯🎯🎯
100% agreed with you.
Paying off the mortgage first and then saving to pay for the patio. The mortgage is more important, a roof over your head is a need. Like you said, a patio is a want.
💯
Waiting 2 years, that estimate of $50k for the patio will also go up. I don't know many contractors that say an estimate is good for life.
Loved this segment. Hope we get more like this!
Me too.
I would have asked what the house is worth. Adding a 50k patio on a 150k house would be ridiculous, but adding a 50k patio on a 500k house might actually be worth it.
True, but in this case their house burned down and got rebuilt, so their new value is probably way more than what they paid
Build the patio. It will add value to the proprrty. Will be less expensive now than in 2yrs. Use it to entertain and improve your network. That will also help with anxiety, to have friends and entertain. You can even end up with a better job..
Wow, please do more of these "PICK A SIDE" videos! And using this pair of hosts. Fantastic!
I voted for the patio bc life is short. Kids grow up so fast and grand kids and 2 years vs 5 years is actually a lot of time. Say your kid is 15 now and 20 in 5 years and now you don’t have all those opportunities to hang out bc they left to college. And the fact that it’s cash makes it responsible. Not like they’re going into debt. And I agree that the cost is just going to keep going up. Enjoy those sunsets, those beers and those bbqs!! 🍻🌅
My fence and patio are trash but even I know those aren’t priority. I’ll take care of that after I pay off my mortgage in 7 years.
And do you still enjoy the patio? If you invite me over and I'm put off by the state of your patio rather than enjoying the gathering, I don't deserve to be invited. ❤
That's an expensive patio, by the time they save up for it, the price will have gone up. Keeping paying off the house then save up for the patio. It's a want not a need.
So wait for the patio to get more expensive before you start the patio? First thing they need to do is not build a patio out of gold and silver.
The patio would pay for itself in increasing the value of the home, but paying the house down does that too.
I would have negotiated with builder and at least extended the foundation for patio might have been much cheaper in the long run.
Maybe even the roof to accommodate one while building the home then save to do additional things later while still paying the house down.
Increased value doesn't matter - they aren't selling.
@@towel-ie7554 That may be true in their current situation, but anything can change in the next 5 years. Investment-wise, putting in that $50k could get them an extra $10k-25k probably more quickly, and that's a very conservative number. And if they sell due to life's curveballs, they'd see that return on investment. Paying the house down wouldn't give them that return on investment until 5 years from now, not as quickly at least.
$50k for a nice patio is not unreasonable. 3 years ago I had a basic concrete patio done and it was $15k.
You got scammed.
Over paid the worker
Didn’t pay a worker I hired a company. I also got 2 other quotes and the company I hired was the least expensive.
Only make 70k and they want a 50k patio ???
I know. I thought they would say their household income was $200k or something.
If they pay cash, who cares? There's a ratio of yearly income to cars because cars go down in value. Whereas building a great patio onto your home will significantly increase the value of your home. Spending $50k on this very upscale patio will likely add $100k value to the home.
@@autumnjereneI know but I don’t think they care about the value of their home, they just built I don’t think they will sell anytime soon, plus the taxes are going to go way up
That seems high to me as well. That's almost 1 full year of take home pay for them, after taxes etc..
And it won't necessarily translate to their house going up 50K in value, maybe it adds 25K tops..
As someone who DIYed their own paver patio after getting quotes for something similar to the callers…the price they got is in-line with the industry. Material costs alone for that thing are expensive, plus add in labor. I scaled our patio way back to just a patio and we did it ourselves and it was still $7,000. That didn’t include planters and a pergola, and we went with the cheapest pavers we could find, not necessarily the ones I absolutely loved. So I will say, for what they are getting I’m not surprised by the cost.
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I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well diversified portfolio, that has experienced exponential growth. It is not about having money to invest in stocks,but also you need to be knowledgeable, persistent, and have strong hands to back it up.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. who is the driving force behind your success?.
@@Brittanyfineface Alice Legan Mitchell
She’s the license coach I use.
Fun segment! However, $50K for a patio?? Are they certain they can't get something fabulous for the cost of the matured CD?
He wants a full landscape done with outdoor kitchen, pergola, fire pit, flowerbeds, gravel and sod. Is not just concrete patio.
Use the CD & that extra grand every month & save for the patio, pay cash for it & then get back on the mortgage. Life is short & it sounds like they are doing great financially- so enjoy the patio & throw everything at the house while you enjoy that patio.
The relief you feel with a paid off house is a dream!! The patio can always wait! Plus you can take your mortgage payments and save up so much faster
Sorry to rain on you lol. Patio is nice but winter is too cold and summer has bugs unless you nuke the area. You will use it 3 months max. We spent a ton of money on a patio used it for a few years and now it collects dust. Same thing happened to the neighbors screen porch. I would do a sunroom instead with fireplace, folding doors and AC unit.
There is only one fallacy in having that awesome feeling of the paid for house and no debt, having to go down to the county every year to pat the government for the right to continue to live in what you own. My blood pressure goes up incrementally each year with how much my taxes go up because the “market value” goes up. You should only be taxed on realized value not potential value.
They milked this too long. This video did not need to be 15 minutes long
I agree!
$50K for a patio is too much for their income. I built my own 4x5m patio (big enough to enjoy the outdoors) for less than $2K.
I'd budget maybe $15K for a scaled-back patio, get multiple quotes (or build it myself), and put the rest towards the mortgage.
Yeah I think that was my only concern, but they have been doing a solid job other than that. But for them do do that on a $70k salary is wild. I’d like to know ow there budget and age and location.
I’d pay the mortgage off first. If debt is the dirty four letter word they claim it is in their household, then pay the mortgage first.
Both you girls are wrong. The interest savings will more than pay for any increase in the patio
Patio…but scale it back a bit, maybe?
That is what I was thinking. .LIke they will have 27k soon. Scale back to 27K
Daves advice was: Take out a Heloc and put the money into solar, an EV cyber truck and a two month cruise.
You forget that everyone should pull all their money from their retirement, especially their roth, to buy crypto.
Dave: sell your wife
He'd NEVER say that or what's below it. You must be living in an alternate universe if you think he'd suggest any of that malarkey.
Don't forget Daves #1 suggestion....get term life insurance!
@@formula112967 That's not a bad thing.
They completely violated Baby steps...
Approved expensive vacationing while the house is not paid off.
Approved adding more debt.
Didn't ask about retirement investments.
Didn't ask about CC debt...
Didn't ask how much debt they have for cars.
Didn't ask how much student loan debt they are sitting on.
"We're on Baby Step 6, but we are spending like Congress."
And these 2 hosts think it's fine.
It's like the hosts and the caller never heard of Dave's plan.
The couple said they're in baby steps 4,5, and 6 - saving for retirement, paying off the house, and spending/saving/giving. Those steps occur simultaneously and gradually, unlike steps 1-3 (starter emergency fund, pay off all non-mortgage debt, and full emergency fund). So they don't have any car payments, credit cards, or student loans.
So the vacation is fine at the stage they're in because they cash flowed it, though I completely agree Jade and Rachel should've asked about retirement savings. If this couple started later in life, they might need to catch up there first
Personally I think 50k is way too much for a patio + they could split the difference instead. I feel like the other hosts would've asked different questions and advised differently too
No one asked how old they are. Age will make a huge difference, if in your 20,30,40 or even 50 then pay off your debt. If in your 60 or more then enjoy your life build the patio.
I'd say pay off the house.
Im with Samantha on this one. I understand where mark is coming from, and im sorry theyve lost some friends, but you've gotta focus on what you can control. A 50k patio making 70 is the far end of luxury. It can be your reward for BS 7, give you a goal to keep moving towards.
Love Ramsey shows... it's the only place where average salary people, live very rich!!!
Since their paying cash, fixing up the home as you go along isn't bad. Edit- 50k is a lot, scale it back.
Yeah, your patio doesn’t need to be made out of gold and silver. How in the world is this patio going to cost $50k?
@@barnabusdoyle4930Stonework. Groundwork for gas and electricity.
Always. Pay. Off. The. Mortgage. Life happens. You cannot afford a $50K patio (absurd) at your income level anyway. And of one of you loses a job or gets really sick, you could wind up in real debt you can't get out of.
Losing the home, and the patio along with it is a huge risk.
What a fun episode! Haha love listening to this. And I love that they're making 70k and doesn't feel deprived. I appreciate that
I also like the questions rachel and jade asked -- they're applicable to any other major purchase in life
Throw some pavers in the gravel, buy a nice cooking setup, table, and comfortable seating for $5K, and pay off the mortgage.
$50K patio won't impress the right kind of people.
Why didn’t they ask about the couples age or retirement to get a full picture? They seem really smart with their money but you never know unless you ask.
What sort of space-aged patio are they building...?
A Bidenomics patio.
It's amazing how it adds up. Mainly labor.
That’s actually a very realistic estimate for what they’re describing. Sadly, it does cost that much!
Running that propane line is probably a lot of it. But if you are going to use a patio in Pennsylvania. You will need it!
Build the patio! You’re in a great position and you need to enjoy your home. It’s your place of comfort and solace! Go build the patio!! You’ve worked hard! That said, maybe do some Uber Eats and get some extra cash to speed up the process
Also, this will be an amazing improvement to the property and almost guaranteed ROI.
You missed the question of how much the house is worth. 50k on a 100k house?? NO. 50k on a 200 or more house???MAYBE
They didn't say the house was worth 100K, but that's what is left on the mortgage.
Uh its not a 100k house. Thats the balance left. Could be 500k house or more
You both totally missed my point. You don’t put a 50k patio on a 100k house which is why you need to know how much the house is worth. If it’s a 500k house then it’s different than a 100k house or even a 250k house. Get it??
@@parenaissance9091No you're just really bad at communicating. The house is obviously worth well over 200K, so your comment it pointless.
@@patriotdrone9566no you’re just bad at understanding, they made a simple statement.
How about a 20k patio and 30k towards the mortgage?
I love the fact that they asked questions and gave it some thought! I would love more of these.
I am on the same boat - just bought my house and it needs patios in our backyard for our kids to play their pools in.
But, I need to pay off my house first.
Baby steps......❤
I would ask them:
1) how old are they?
2) how much does the house worth currently?
I would've attacked the mortgage too.
Once it is paid off, a $50k patio is peanuts compared to the mortgage payment.
I built a firepit and a new deck and my cost was $1800. If I'm running gas lines, it would be for a hole house genset.
My $0.02 donated for free.
I would pay off the house, but if patio is the decision, reduce your requirements and get extra quotes to reduce that 50k
Get the patio, enjoy your house. I would consider that extra living area. I spend all my time outside so that’s what I would do. And I live in PA also
Totally agree on patio build! I do feel like $50K is an insane amount to spend. We did a 16'x18' concrete pad bedded in with landscaping, a cedar fence, 13' cantilever canopy, industrial steel fireplace, Weber grill, ceramic egg smoker with Loll outdoor furniture dining set for 7 along with fireplace seating. Spent about half their budget, 8 years old and everything is holding up brilliantly. I can look around my neighborhood and see plenty of decks and masonry spaces of similar age that need a lot of work. Live in Ohio so see similar climate cycles as PA. And, yes...no debt required!
the answer is: $27k patio. and even that is too much
I thought the same thing, and I was surprised that neither Jade nor Rachel pushed back on the price of the patio. That's where you have the most flexibility in this whole scenario. You get a couple of bids, and when you bring those people in, you tell them you have a $27,000 budget. Ask them to draw up the most fabulous porch they can for $27k. I bet this couple would be surprised by what they could get--probably most of their wishlist. $50k for a patio is ridiculous.
I’m truly shocked Jade said patio. I’m done with the internet today.
Without a doubt pay off the mortgage, then save to cash flow the debt.
There are so many benefits that come with being totally debt free. Financial, overall well being from having extra for unexpected expenses, etc…
Caller: “Why put off to tomorrow what you can enjoy today?”
Also caller: wait 18+ months to build the patio
Seems like there would be a third option. Scale back and get a more modest patio. That way, there would still be a place for entertaining it's just not a luxury showpiece..
$70k/year and they made it that’s awesome. People in the comments will still complain that inflation is too high. Toughen up, people!
They seem like the type that work together to get things done instead of complaining.
dave wouldnt have said patio while they have house debt😂
Yes, he would have. This is inline with the Baby Steps. The mortgage is the only debt that Dave gives people a pass on.
I'm not even going to let the video start and I'm going to pick pay for patio. Let's see how it goes.
Same! Lol
I was right lol
This is such a GOOD “problem” to have during such a crazy financial time for many. I hope to have this dilemma one day 😅 & I’d definitely choose the Patio at their stage in the game too. I feel like the wife needed “permission” & I hope they really enjoy their new patio. ❤
When the CD becomes mature buy a 25,000 patio. A $50,000 patio belongs on a million dollar house. For a couple who brings in 200,000 dollars a year
I'm a contractor and I always side with the one who wants to spend money on "improvements". I don't give a damn how bad they go into debt, or how bad their finances are, just as long as I get my money.
Of course you do 👎
pay the house off and get more bids for patio...gotta be able to get it way cheaper than 50grand...not sure you would even get the value back for that investment!!
They double count the CD. In either scenario the CD cuts out 2yrs. But if they do both patio then mortgage, the CD is already used for patio, so mortgage will take 2 yrs longer, bringing total from 5.5 to about 9 yrs.
I'm surprised they didn't ask what the homes current value is. 50k patio on a 500k and up value may be worth it. 50k patio on a 300 to 350k home may be excessive.
I just love when these two co-host. It's such a good vibe.
I cash flowed a $70,000 patio and decking. Worth every penny. The mental gratification when I step out onto my decking is great.
Addition: I make $267k a year, own 3 homes, 2 of them rental properties. So in reality my tenants paid for the patio.
You can absolutely entertain and enjoy time with family and friends without a patio…. A patio is not a “need” it definitely falls into the “want” category.
Count me as on Team Samantha. A lot can happen in 2 or 3 years that could totally up-end their happy plans. They've already been hit with a fire. What if Mark suddenly gets downsized? I'd much rather have the mortgage paid off and not ever have to worry about foreclosure or being forced to downsize, especially with rents being as insane as they are now. I can build a patio anytime after that.
This was great. Different and fresh
This is fantastic content!
I loved this segment! I definitely vote on the side of the patio also. Like Jade and Rachel pointed out, they will have both things paid for in about 6 years, so why not do the patio now. Their heart's intention is to entertain after the losses they've had, they sound very responsible with their budget and cash flow, they're not talking about taking on any debt to do this. I live north of them by a few hundred miles and have a patio with a fire pit and an eating area and I absolutely love it, and use it 6 months out of the year. If they wanted to compromise they could get a picnic table with an umbrella for now, until they can get to the patio.
Love this format!
Patio. Life is short ❤ live it
First pay the mortgage and then plan if a patio is on the budget.
Also something to consider is that the estimate is 50k but that can easily bump up to 60 or 70 depending on if they run into complications. At least the good news is they are not going into debt for the patio. They are saving for it
50K for a patio is ridiculous
My pool deck only cost $12,000 in 2021, I can’t imagine what $50k would look like!
I mean, drawing a plan, getting it by the HOA, getting a permit, renting the equipment, ordering the fill, block, lumber, glue and fasteners, sealer and paint, I would be able to do this project myself for at most $5,000. $50,000???????????????????
I actually really love this segment!!!
If he stops paying extra $1k/month, he will save $24k in 2 years. Plus, he has $27k in CD. Total is $51k ($24k + $27K). Why is it so complicated for these ladies to understand simple math???
I could build a house for 50k. Materials. 50k for a patio is INSANE. I’m just south of Harrisburg. This contractor will rip you off. Patios are actually not that hard. Get a concrete mixer and CZcams will show you how to DIY.
For sure could do a sub $27k patio. That outrageous enough. Keep saving and make better decisions. Should’ve asked what other savings they have. A pension or $1M+ retirement account makes a big difference in spending choices like this. Should’ve also had George on here to tell him to spend less on wants
I could build a 1000sqft house on a slab for 50k.
I would say....ask Dave.
They lost me at $50K for a stupid patio. Sure it was 2007 but we out in a beautiful stamped concrete 15x42 patio for $7K. Then I put up a large pergola, and by myself, installed $3K of retaining wall, soil, plants etc all around the whole house. All in, this was probably $15K. They can scale waaaay back and still have it be really nice, for sure. At this point I would do a reasonable patio so you can enjoy life, and then pay the mortgage off
70k and are able to put 1k extra in a mortgage. No idea how but it is impressive. Thanks to daycare that takes over 2k from me for 2 kids a month.
My wife and I would be the opposite. She would want the patio and I the mortgage. But I would LOVE a patio and would not complain about it. End of the day she’s a free spirit and I’m a nerd. And I would have to give it to my wife as she knows how to spend money on things we will enjoy haha
5 years ago i built my 15ft x 15ft patio for less than $5k. it's been solid and we still enjoy it most of the year. this year i'm adding another 100sqft to the patio and a pergola over it, planned cost is around $3k.
Sheesh. Must be a great patio. I had a 20x30 stamped concrete patio installed 18 months ago for 10k
You got a deal! I couldn't get that for 2x that here. I'd be tempted to do it if I could.