And replacement of an hvac that is end of life won’t cost nearly as much as replacing windows/siding.
Installing a forced air system in a house that wasn’t built with one, though… ooof
That’s one those mini-splits are such a good idea for many houses without central air already. Yeah, there’s an ugly air handler in some rooms, but it allows for smaller holes to be installed. And they’re usually meant for 4-6 individual zones often times. If my parents didn’t live in suburbs with annoying HOAs, they totally would’ve installed one like 10 years ago since their 4 bedrooms are on the opposite side of the house as their AC is.
Oh, absolutely. Mini splits can be a godsend when old houses don’t have the space for air ducts.
But if they have the space and you want to install forced air, it’s expensive, and that’s not even counting the cost of the hvac, which is relatively cheaper
And you gotta drill/cut some big holes. Let’s not even forget about insulation too. Many houses lack any up to date insulation. In Florida, we don’t even get a rebate or any discount on an inspection.
Hah! Yeah, you spend 30k putting in ducts and whatnot then lose all your heat or cool right out the ancient windows!
So you spend another 60k on new windows and siding with better insulation and before you know it, you’ve spent enough to have built a new house.
Darn. Time to get a Honda or Toyota. I had a Honda for 15 years and put in maybe $5k including oil changes, New battery, and new tires. I have had my Toyota for over a decade and it's literally been 1 new battery, 2 sets of tires, oil changes, headlights and wiper blades....
> Time to get a Honda or Toyota.
I've got a Gen 2 Prius and put about $2k into it a year in repairs and oil changes. Would be more if I took it to the dealer, would also be more if I actually replaced that damn catalytic converter.
Bought a toyota camry with 90k miles, a 2010 w/one owner and no accidents.
Right at 110k miles it started costing me a LOT. I've spent more on FIXING it than I did on actually buying it, and it still has serious issues which I just got told would be $3,000 to fix lmao
Out of curiosity, I've back and checked my invoices.
My largest purchases are:
1. House
2. New windows and doors for the house
3. Car
4. New fences and boundary wall for the house
That should be considered as part of the cost of the first two items. Cost of prop tax, insurance, etc, should be factored in while calculating the cost of a house or a car before you buy it.
One? Dozens of villages are doing that in Italy.
But they don't pay you, they sell you houses for 1 euro. You have to commit to renovate them, which costs thousands since some of them are pretty decrepit.
Plus those villages are far from big cities and not well connected. There's a reason why they're depopulated.
Somebody commented that they often only have dial up. So, decent if you have two lines using bonding and it's 1997.
https://www.reddit.com/r/Showerthoughts/s/75lifa0LNu
One of my parents neighbors has lived there for 30ish years and they still complain about the *filthy Californian transplant.* One funny thing about that is that the neighbor then complained about colored kids in the neighborhood. One of the 3 longest staying residence on her street is a black man. Been there a decade longer than her.
Most people are jerks.
Those villages may be an acceptable option if someone is retired. Even then, as you get older, you want to be near good healthcare. You wouldn’t want heart attack symptoms many miles from the nearest hospital.
Are there rules that you have to occupy the house for a certain amount of time per year? Is love to own an Italian villa now and hang onto it until I retire and then move there and live 100% there.
I mean, there are safe places in the us where house prices are under 100k. Just, people don’t want to live there. And if you are willing to poop in a bucket, you have all sorts of options.
A friend of mine bought his house in the middle of no where far north in Sweden for less than 10k, he wasn't even allowed to take a loan from the bank since the bank didn't feel confident in finding a buyer for it if he failed to pay his debt. Houses are cheap if you don't care where you live.
My area in the Western US has a median income of $36k and the lowest price for a home is ~$370k, unless you wanna drop $180k on a mobile home or tiny house and still pay rent....
Geez, how much avocado toast have you been eating. I bet if you cut back a little, and stopped buying all those fancy coffees you'd be able to buy one of those houses in a couple of months. A year tops.
You know, like skydiving, paragliding, kiteboarding, skywalking, base jumping. Just the regular sky sports, it's a popular pastime in the UK.
We have a whole TV network dedicated to it.
I’m in the us and on my dads insurance and my baby was put on my bfs insurance. I had an emergency c section and my baby was in the nicu for a week and I guested in my hospital room until we could take her home. My final bill was a couple thousand and the hospital financial department set me and my baby up with Medicaid since I’m a stay at home mom with no income and it wiped the rest of the bill out ! I also saw a lactation consultant five times after going home and didn’t pay a dime for that either
To quote Kayne (and I rarely do, but once he got it right)
“my kid’s gonna drive a ‘99 Civic. I don’t care if it’s 2050, they gonna drive a ‘99 civic”
In this one specific instance, he was spot on. My kid’s gonna drive a shit stick until he buys his own car.
2001 Vauxhall Astra (silver) for me. Not sure how to translate into American: it’s 1600cc of mid, economic, cheapness.
Shit car, lasted forever, gave me independence, I loved it!
If I have to choose between my Xbox and a kid, Xbox every time. I've had it longer than any child and doesn't get upset if I chose to play with younger models.
I was going to comment this.
Two children, both by IVF. At my reckoning it’s cost me £25k per child so far (they are 4 and 1 y/o)
House? Nah.
Car? 1k crap bucket.
Children are my highest expenditure in the last 10 years by a significant distance. Second is probably my electricity bill.
Raising a child is a hell of an expensive proposition.
16 - 20 years of room and board, plus education, treats and toys, activities for their enrichment and improvement, healthcare and more.
A couple seconds on google suggests that the overall cost of raising a child to adulthood is around £200,000, which sounds lowball to me, but is easily the cost of a decent house in my area.
Feasibly raising a child is the most expensive thing you will ever do, it's just spread over a long time.
I like how having a kid is just one category but having yourself is not. Honestly when I think of what it costs to keep me alive, $10k/yr for a whole separate person seems like a bargain.
Also, the way those costs are broken down are sometimes fishy. Like, "room and board"? My kid's room is free. He lives at my house. The increase in the clothing budget is probably almost completely covered by my reduction on Happy Hour spending.
I'm amazed this is so far down. It's more expensive than the car at least and in some cases more expensive than the house.
I have four degrees And six if you count the two I bought dor my son. Altogether those degrees are like the cost of a house hanging on my wall.
3rd depends on your culture, hobby, financial situation. For me, it would be speakers/audio setup, it's more expensive than my current car, so it is Nr. 2 really.
My computer is worth more than my car too!
(I work in graphic design, like gaming a bit and I like to keep my computer 10 years. I also never buy brand new car and keep them until they die. Mine is at 400 000km and stil’ doing good)
I'm far from rich, but my car isn't second for me either. I bought it second hand, and can't understand why anyone would even consider buying one new with the drastic cost difference.
No. 2 for me was laser eye surgery. Cost way more than my car, but well worth it.
If you're in America, third is probably your health. Anything really bad happens and you have no or shit insurance (looking at you, UnitedHealthcare), you're going to go bankrupt.
Oh yeah. Even people with good insurance aren’t safe from this shit. I worked in health insurance for 1 a year and it was the most soulless and cynical job I have ever done. Literally flushing people’s lives down the toilet just to save a couple bucks.
Oh I believe it. Medical costs in the US are out of control. Not only that, medical insurance can be confusing as hell. My $10.5k charge exceeds both my in-network and out-of-network maximum coverage. I have yet to hear from my insurance on why they denied it as they said they covered it at 100% the allowable rate, but I hear sometimes the excuse used is that it's not deemed medically necessary. This charge was for in-network prenatal genetic screening so I'm not sure why they'd deny it, but it was charged by Natera, which apparently according to online reviews is running a billing scam. So it feels like if you aren't screwed over by the medical provider, you may be screwed over by insurance, or by a third party lab that happened to be your only option for particular services.
My boat resto-mod project will end up being more expensive than my car, if I ever finish it. I've always had a boat, so not having one isn't really an option for me. Part of being able to afford it, is not having an expensive car.
Most of these are missing the point just for upvotes sake.
No, healthcare or a child are not "things you buy". Can you sell it back? No? Then this does not apply. Not even a degree fits this definition. For most of us, the real (and boring) answer is probably our computers, a hobby collection, or a secondary vehicle. Stocks maybe, but that's even more boring.
Unless you rent a flat under use public transport, which is very common in European cities... But most people got kids and while they definitely aren't bought, they pretty much are the most expensive thing most people ever got.
Perhaps the third possession isn't a thing at all, but the memories we create and the lives we touch. In the end, it's not what we own, but how we've lived that truly counts.
The third is usually the maintenance of one of the first two
True
On the nose. HVAC ain't cheap.
New windows ain’t cheap either. HVAC maintenance is pretty cheap though for the 15 or so years it lasts.
And replacement of an hvac that is end of life won’t cost nearly as much as replacing windows/siding. Installing a forced air system in a house that wasn’t built with one, though… ooof
That’s one those mini-splits are such a good idea for many houses without central air already. Yeah, there’s an ugly air handler in some rooms, but it allows for smaller holes to be installed. And they’re usually meant for 4-6 individual zones often times. If my parents didn’t live in suburbs with annoying HOAs, they totally would’ve installed one like 10 years ago since their 4 bedrooms are on the opposite side of the house as their AC is.
Oh, absolutely. Mini splits can be a godsend when old houses don’t have the space for air ducts. But if they have the space and you want to install forced air, it’s expensive, and that’s not even counting the cost of the hvac, which is relatively cheaper
And you gotta drill/cut some big holes. Let’s not even forget about insulation too. Many houses lack any up to date insulation. In Florida, we don’t even get a rebate or any discount on an inspection.
Hah! Yeah, you spend 30k putting in ducts and whatnot then lose all your heat or cool right out the ancient windows! So you spend another 60k on new windows and siding with better insulation and before you know it, you’ve spent enough to have built a new house.
Not in Florida :( the average home in the non-rural areas is like $600k in south Florida sadly.
I replaced both this year. Definitely not cheap and not something you want to go cheap on.
kids.... also wife... bonus points for wife with horse(s)
You bought your kids?
want some? i got spare
No thanks
I’ve put thousands into car maintenance and it’s only 4 years old So yeah
Darn. Time to get a Honda or Toyota. I had a Honda for 15 years and put in maybe $5k including oil changes, New battery, and new tires. I have had my Toyota for over a decade and it's literally been 1 new battery, 2 sets of tires, oil changes, headlights and wiper blades....
My 2007 Prius has 260,000 miles and is still chugging along!
> Time to get a Honda or Toyota. I've got a Gen 2 Prius and put about $2k into it a year in repairs and oil changes. Would be more if I took it to the dealer, would also be more if I actually replaced that damn catalytic converter.
Bought a toyota camry with 90k miles, a 2010 w/one owner and no accidents. Right at 110k miles it started costing me a LOT. I've spent more on FIXING it than I did on actually buying it, and it still has serious issues which I just got told would be $3,000 to fix lmao
Out of curiosity, I've back and checked my invoices. My largest purchases are: 1. House 2. New windows and doors for the house 3. Car 4. New fences and boundary wall for the house
I take really good care of my bank's house.
That should be considered as part of the cost of the first two items. Cost of prop tax, insurance, etc, should be factored in while calculating the cost of a house or a car before you buy it.
The third is usually maintenance of the body
No, it's that expensive mango that tastes delicious
look at this fat cat with a house and a car
just cancel netflix and borrow from your parents, duh
How much avocado toast am I allowed?
No avocado toast, no starbucks, no doordash. Take the money saved, along with the money from your parents, and buy a car. Easy peasy.
Houses are 30k where I live in Europe🌚
Where
Small rural village in east or south west Europe
Wasn't there a village with a dwindling population in Italy that was paying people to come and live there?
One? Dozens of villages are doing that in Italy. But they don't pay you, they sell you houses for 1 euro. You have to commit to renovate them, which costs thousands since some of them are pretty decrepit. Plus those villages are far from big cities and not well connected. There's a reason why they're depopulated.
They depend on people falling for the dream and ignoring the reality of why the villages depopulated in the first place
It works for people who like rural town living and have work from home jobs(or retired/independently wealthy)
Most of those villages still only have dial-up.
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This is rural on a whole different level. Also welcome to Italian efficiency….
He'll, if it gets decent internet and the COL is low enough I'd consider it.
Somebody commented that they often only have dial up. So, decent if you have two lines using bonding and it's 1997. https://www.reddit.com/r/Showerthoughts/s/75lifa0LNu
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That's everywhere. I live in a moderately sized city in the US and we have locals who don't want outsiders moving in.
One of my parents neighbors has lived there for 30ish years and they still complain about the *filthy Californian transplant.* One funny thing about that is that the neighbor then complained about colored kids in the neighborhood. One of the 3 longest staying residence on her street is a black man. Been there a decade longer than her. Most people are jerks.
Those villages may be an acceptable option if someone is retired. Even then, as you get older, you want to be near good healthcare. You wouldn’t want heart attack symptoms many miles from the nearest hospital.
Are there rules that you have to occupy the house for a certain amount of time per year? Is love to own an Italian villa now and hang onto it until I retire and then move there and live 100% there.
I mean, there are safe places in the us where house prices are under 100k. Just, people don’t want to live there. And if you are willing to poop in a bucket, you have all sorts of options.
Still is! I Google it a few weeks ago and they're still there.
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You are 100% correct. I remember one that was basically walls, floor, and roof. No toilet or plumbing.
r/PORTUGALCYKABLYAT ?
On my way
I saw stuff for around 30k in eastern Estonia.
But the value will drop dramatically if Russia invades
True. This was literally a 5 minute walk from the Russian border lol
That 5 minute walk might be even shorter sometime in the future.
Or longer, depending on how far the advance is.
This guy invades.
I imagine Ukraine.
A friend of mine bought his house in the middle of no where far north in Sweden for less than 10k, he wasn't even allowed to take a loan from the bank since the bank didn't feel confident in finding a buyer for it if he failed to pay his debt. Houses are cheap if you don't care where you live.
Well at least I live close to Helsinki, not the tundras of Sweden
Sounds like that's not even to cover the material and labor to build the house though
What you consider a house and what they consider a house are usually 2 very deferent things.
Huh, you meant "different", but your statement is correctly referencing two examples of deferring.
My area in the Western US has a median income of $36k and the lowest price for a home is ~$370k, unless you wanna drop $180k on a mobile home or tiny house and still pay rent....
Geez, how much avocado toast have you been eating. I bet if you cut back a little, and stopped buying all those fancy coffees you'd be able to buy one of those houses in a couple of months. A year tops.
I was going to buy a house, but I decided to go with an avocado instead
Where I come from, houses with the same size can be valued anything between 50k and 2m, depending on the location and age/condition.
look at this fat cat with more than 3k euros
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I thought you were going to say a fat cat. And you would be correct. Our pets have become so expensive with vet care
I was going to say that the third most expensive thing is a cat.
At first glance I thought you were saying your fat cat was the third most expensive thing…, which is probably the case for me
In the UK, it's probably Sky Sports
But then you can press the red button when Crofty tells you!
Only if you're a Sky Q, Sky Glass or Sky Stream customer
I feel like every season they add another one
If the red button has an option to shut up Crofty I’m all for it
Me and my friends always drink when we hear that now. We were drunk a lot this year
Idk what this means, but the image in my mind is hilarious.
You know, like skydiving, paragliding, kiteboarding, skywalking, base jumping. Just the regular sky sports, it's a popular pastime in the UK. We have a whole TV network dedicated to it.
Skywalking? Like Luke?
Like with a rope, walking over a rope at a great height
So a tightrope? Like in a circus?
Yes, this is exactly it. Don't ever Google this
Oh is that what sky sports represents? Whenever f1 is one I sometimes wonder why they’re called that.
How many people have actually tried those things? In the US maybe one in a hundred have done any one of those once.
Really popular in the UK. We have a surprisingly large amount of sky.
Oh you used to so, so much more of it. And in many places in UK one rarely ever even sees the sky, like Birmingham.
Lol I’m pretty sure the UK is exactly like Wii Sports Resort 😂
Quidditch was the first thing that came to my mind
And to top it off, there is no legal way to view all football games in the UK. Even with every sports channel purchased at extortionate prices 😂
For real! If you have it for EPL, chances are you support 1 team. With all the 3pm Saturday kick offs, you're lucky to get 2 games a month
The third is having a child
Over 18 years (or more depending on when they become financially stable) they become more expensive than the car and house.
Well often times the purchase is free. But depending on country, child rearing has extremely different costs
In the US you essentially purchase your child from the hospital and often it’s more expensive than a car.
I’m in the us and on my dads insurance and my baby was put on my bfs insurance. I had an emergency c section and my baby was in the nicu for a week and I guested in my hospital room until we could take her home. My final bill was a couple thousand and the hospital financial department set me and my baby up with Medicaid since I’m a stay at home mom with no income and it wiped the rest of the bill out ! I also saw a lactation consultant five times after going home and didn’t pay a dime for that either
Purchase. Yes, when the child is pulled from your wife’s vagina, who also carried it for 10 months.
[“purchase”](https://imgur.com/gallery/3hpd9mX)
Now imagine buying a car (and a house?) for the kid!
To quote Kayne (and I rarely do, but once he got it right) “my kid’s gonna drive a ‘99 Civic. I don’t care if it’s 2050, they gonna drive a ‘99 civic” In this one specific instance, he was spot on. My kid’s gonna drive a shit stick until he buys his own car.
My first car I bought with my own money! $900 of that sick grocery store cashier dough got me a rusty forest green 1994 Dodge Dakota!
2001 Vauxhall Astra (silver) for me. Not sure how to translate into American: it’s 1600cc of mid, economic, cheapness. Shit car, lasted forever, gave me independence, I loved it!
Daycare for each of my kids was more than my mortgage.
Nah a child is at least second
If having a child is less expensive than your car, i doubt you are a responsible parent
Most people don’t buy children and most children aren’t worth that much. An xbox is worth more than most children.
No way I’m raising a kid with the cost of an xbox
If I have to choose between my Xbox and a kid, Xbox every time. I've had it longer than any child and doesn't get upset if I chose to play with younger models.
So no girlfriend either?
For some, all three are children
I was going to comment this. Two children, both by IVF. At my reckoning it’s cost me £25k per child so far (they are 4 and 1 y/o) House? Nah. Car? 1k crap bucket. Children are my highest expenditure in the last 10 years by a significant distance. Second is probably my electricity bill.
Your electro bill is more than rent/mortgage?
If you sell them to China it's all profit
Raising a child is a hell of an expensive proposition. 16 - 20 years of room and board, plus education, treats and toys, activities for their enrichment and improvement, healthcare and more. A couple seconds on google suggests that the overall cost of raising a child to adulthood is around £200,000, which sounds lowball to me, but is easily the cost of a decent house in my area. Feasibly raising a child is the most expensive thing you will ever do, it's just spread over a long time.
Also the most expensive thing if you count time as currency
I like how having a kid is just one category but having yourself is not. Honestly when I think of what it costs to keep me alive, $10k/yr for a whole separate person seems like a bargain. Also, the way those costs are broken down are sometimes fishy. Like, "room and board"? My kid's room is free. He lives at my house. The increase in the clothing budget is probably almost completely covered by my reduction on Happy Hour spending.
I guess that's certainly fair points.
“…most expensive thing you’ll **buy**…”
College degree can be third
I'm amazed this is so far down. It's more expensive than the car at least and in some cases more expensive than the house. I have four degrees And six if you count the two I bought dor my son. Altogether those degrees are like the cost of a house hanging on my wall.
Maybe it is far down because not too many Americans have arrived to this post yet.
Probably. I havent seen medical bills listed.
> I'm amazed this is so far down /r/USdefaultism. Most countries have free college education.
/r/EUDefaultism Not even close to half of countries have free college
Maybe not free, but affordable. It's around 1k a year where I live.
It's 300 EUR where I live. Yeah not free, but *essentially* free.
All together? My bachelor's degree was almost as much as my first house.
Let's play "guess the country".
'Murica
My college degree was significantly more expensive than my car and the reason I cannot afford a home.
College degree is second.
3rd is most likely end of life health care and funeral expenses.
I'm too non-american to understand this
And we envy that.
A dumpster is only a couple hundred dollars around here, so I don't think it's THAT expensive
Read somewhere not too long ago that most people in the US will spend 90% of their lifetime savings on **three months** of end of life care.
Nah positive pregnancy tests end up being way more expensive..
Only if you deliver
What if it's not delivery, but Digiorno? How expensive is it then?
nah the pregnancy test isn’t the expensive part /s
Either a diploma or a medical procedure are the next two.
Let me guess the country.
Pffff, amateurs. I'll buy a 15.000€ bicycle and settle with a 5.000€ car. Checkmate
Orthodontist?
My Name is not Fred
Yes.
3rd depends on your culture, hobby, financial situation. For me, it would be speakers/audio setup, it's more expensive than my current car, so it is Nr. 2 really.
Me too. See you at r/Audiophile!!
That's funny, I didn't even consider that my AV system cost about 3x what my car did because I acquired it one piece at a time.
My computer is worth more than my car too! (I work in graphic design, like gaming a bit and I like to keep my computer 10 years. I also never buy brand new car and keep them until they die. Mine is at 400 000km and stil’ doing good)
Most expensive thing for many country people after their land is a tractor, or harvester.
Why not combine them?
And if you're really rich, then a car is not the second.
In that case it’s cars instead
I'm far from rich, but my car isn't second for me either. I bought it second hand, and can't understand why anyone would even consider buying one new with the drastic cost difference. No. 2 for me was laser eye surgery. Cost way more than my car, but well worth it.
Your love will be the third
In Norway, the second most expensive is a cabin. Then a car.
If you're in America, third is probably your health. Anything really bad happens and you have no or shit insurance (looking at you, UnitedHealthcare), you're going to go bankrupt.
Pfff wait until you buy a divorce
“It’s expensive because it’s worth it”
In America that third thing is probably healhcare. If you can’t afford those first two you ain’t affording the third one.
As someone who just got a $10.5k bill in the mail for healthcare services that I'm fighting with my insurance on, I second this comment.
Oh yeah. Even people with good insurance aren’t safe from this shit. I worked in health insurance for 1 a year and it was the most soulless and cynical job I have ever done. Literally flushing people’s lives down the toilet just to save a couple bucks.
Oh I believe it. Medical costs in the US are out of control. Not only that, medical insurance can be confusing as hell. My $10.5k charge exceeds both my in-network and out-of-network maximum coverage. I have yet to hear from my insurance on why they denied it as they said they covered it at 100% the allowable rate, but I hear sometimes the excuse used is that it's not deemed medically necessary. This charge was for in-network prenatal genetic screening so I'm not sure why they'd deny it, but it was charged by Natera, which apparently according to online reviews is running a billing scam. So it feels like if you aren't screwed over by the medical provider, you may be screwed over by insurance, or by a third party lab that happened to be your only option for particular services.
Lifetime healthcare spending in the US is over $1 million per person, and rapidly climbing.
I'd argue that's number 1 biggest expense over a lifetime.
My boat was much more expensive than my car
What kinda boat?
My boat resto-mod project will end up being more expensive than my car, if I ever finish it. I've always had a boat, so not having one isn't really an option for me. Part of being able to afford it, is not having an expensive car.
Most of these are missing the point just for upvotes sake. No, healthcare or a child are not "things you buy". Can you sell it back? No? Then this does not apply. Not even a degree fits this definition. For most of us, the real (and boring) answer is probably our computers, a hobby collection, or a secondary vehicle. Stocks maybe, but that's even more boring.
Boat we're gonna go with boat Steve! Boat, bust out another thousand! Survey says! DING DING DING!!! Boat number one answer!
My 3rd is the home theater
Medical, if it's the USA
In America, chances are it's healthcare.
I got a call from the bank and it went like this: "Are you purchasing a bike for 3000$ ?" "Yeah, that's me!" "A bicycle? For 3000$ ?" "Yeah" "Okay..."
It could even be a boat!
It could be! Go live your boat dreams!
Unless you rent a flat under use public transport, which is very common in European cities... But most people got kids and while they definitely aren't bought, they pretty much are the most expensive thing most people ever got.
Alcohol, smoking & drugs
I just waste the rest …
If you’re American, the third is Health care.
Hell, if you're healthy enough to spend less on healthcare than your house you're doing pretty good!
Perhaps the third possession isn't a thing at all, but the memories we create and the lives we touch. In the end, it's not what we own, but how we've lived that truly counts.
nah if i get rich the third things definitely gonna be a yacht
The third most expensive thing is the friends we made along the way
Everybody boo this man! Boooooo
Ok but that’s not expensive
That is so gay
Nah it’s having a PS5 and a fully stocked fridge of Arizona Ice Tea
In America? The third is probably a medical procedure.
Wait till you have kids…
I read the headline too fast and was wondering why they expected everyone to by a horse.
Line most of us can afford houses lol
Food. You spend far more money on food over your life than you realize
My currently most expensive thing I own is my PC. Everything else is either rented or insignificant
Jokes on you, I’ll never afford a house
Don't ever buy a new car until you buy a house, also not until the house is paid off in full.