this post was submitted on 21 Jul 2025
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Science Memes
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paying rent sometimes feels like throwing money into a black hole
The same for mortgages too really. All these people out there toting new construction and how it’s good for property values seem to forget that higher property values means 1) higher property taxes, and 2) higher priority values, for when you sell your home and need to buy a new one.
Not to mention mortgage rates are so damn high that your mortgage payment is basically like paying rent to the bank because you're barely touching the principal on the loan
This is part of why I'm planning on over saving for my downpayment. If I'm not paying less than my rent there's no way in hades I'll ever be able to afford repairs
I just bought a house, and honestly, dont even try to get a above 20% to knock off pmi (assuming thats a thing where you are). When we sold our previous house and did a recast with the proceeds, the difference between hitting 20% and hitting the 20% + $50k was about $200 in monthly payments
Only sometimes?
Therefore your landlord's bank account is a black hole. Therefore black holes are inside banks. Therefore the universe is inside a bank.
cosmic horror
It's actually throwing money into BlackRock.
Don't worry, the money goes to paying your landlord's mortgage.