Can Young Adults Afford The American Dream? (Ft. Jessica Craig)

Disclaimer And Welcome

Ed Beemiller: The financial huddle does not provide tax, legal, financial, or other professional advice. Listeners are encouraged to consult with their own advisors in these areas. Alright, everybody, huddle up. Play calls in. This is the Financial Huddle. Ready? Welcome back, huddlers. It is time again for our next podcast in our next episode of the Financial Huddle. Financial Huddle Podcast. As usual, I am joined by, I always like to say, my partners in crime, Mr. Ryan Fleming. Hey everybody, welcome back. And Mr. Brian Maneer.

Brian Minier: Hello, hello.

Ed Beemiller: And we have a special guest today. Oh yes. We love guests.

Ryan Fleming: Oh, yes.

Ed Beemiller: Coming to us from Central Ohio, the one, the only, Jessica Craig and Jessica, welcome.

Ryan Fleming: Round of applause for today. Thank you. Thank you. Thank you. Thank you. Welcome to the Huddle Nation.

Ed Beemiller: And she is an expert in real estate and uh real estate endeavors and is going to give a voice to our topic today, which is can young adults still afford the American dream? And we are making the assumption that the American dream is home ownership.

Brian Minier: Yeah.

Ed Beemiller: So I do want to give Jessica her due here, and just to give you a little bit of a background on Jess. Jessica Craig is a realtor and founder of the Craig Group with Angle Invokers, a full service husband and wife team serving Westonville and the Greater Columbus suburbs. She's also president, which is this is a big deal, of the Women's Council of Realtors in Columbus. She serves on the governance task force for the Columbus Realtors. She's been recognized in real producers as Agent on the Rise in Central Ohio and has sold over 60 million in real estate over the last 10 years.

Ed Beemiller: The Craig Group is also known for their local market expertise, analytical approach, strong client advocacy. Jessica and Joe, Joe is the other half of the Craig Group, are passionate about matching people with homes that fit the way they actually live. They specialize in move up buyers and sellers, relocation, downsizing, and first-time homebuyers, and the silver tsunami, which we which we've heard about.

Brian Minier: But that's quite the resume, by the way.

Ryan Fleming: Huddlers, we brought in the all-only the best here in the Huddle. That's right. There you go. All-star.

Ed Beemiller: But outside of real estate, Jessica and Joe love being active in the Westreal community.

Defining The American Dream Today

Ed Beemiller: They have three children, love to travel as much as they can, and they've also become cyclists in the last couple years. And both of them have we've had many discussions about this. They both have participated in Pelotonia and the fundraising efforts for that the last couple of years. Amazing.

Brian Minier: Amazing.

Ed Beemiller: All good stuff.

Brian Minier: So she's a rock star and she's a giver. Yeah, that's amazing. Welcome, Jessica.

SPEAKER_00: Thank you. I'm excited to be here. Yeah, thank you so much.

Ed Beemiller: So, you know, Jess, when you know we were looking at you know this topic, you know, one of the things we we talked about is housing is one of the most important topics that that we can discuss, especially for young adults. So we're kind of talking these uh Gen Zers, maybe into the millennials, but more so kind of that millennials go up into the mid-40s, so hopefully they don't have a lot of these issues, but kind of 22, maybe to 30, 32 years old. And you know, this topic hits and it connects a lot of different things in life.

Ed Beemiller: Money matters, fine, you know, not just financial independence, but independence, moving out of your parents' home, marriage, family formation, career choices, debt, and wealth building. So a lot of different things go into when you're looking at housing. So, first question for you. For for Gen Z and millennials, kind of more that 22, 32 age group, as of right now, should owning a home still be one of the most important goals? What's your thoughts on that?

SPEAKER_00: Absolutely. Well, thanks so much for having me. I'm really excited to be here. Um, Central Ohio Real Estate, it's our love that we have. So I work more than I want to say, but it's it's a passion. So um home ownership. Yes, I absolutely think home ownership can still be a major financial goal for all age groups, including the 20s and ups. Um, but I don't think it needs to be the goal for everyone at this time. I mean, we're struggling with a lot with affordability, but to put that into perspective, affordability in central Ohio, the average price point in the country is close to 500,000 and we are sitting about 330,000.

SPEAKER_00: So we are in an affordable area, according to National Association Realtors' information. Um, but I definitely don't think people should rush into buying just because they feel like they should or they feel like they are falling behind. Um, you know, when we tell our first-time homebuyers what they want, they are looking at their forever house. They they describe their forever house to us, and that's not what needs to happen. We need to get them into a house that's going to build equity so they can start paying their mortgage instead of paying somebody else's mortgage that's gonna leapfrog them into the next phase of their real estate goals for, and that's what we're really telling our Gen Z first-time home buyers to do right now.

Brian Minier: Good. That's helpful. Um, all three of us have young adult children. Uh, Ed's two both have homes, right?

Ed Beemiller: They both are homeowners.

Brian Minier: Ryan and I each have recent college graduates that are both 23. Um, neither one of them is a homeowner yet. So this topic does hit close to home.

Expectations Vs Reality For First Buyers

Brian Minier: Um, I have a two-part question. The first is what's the biggest obstacle you're seeing with young buyers? You mentioned price, whether it's price, whether it's rates, down payment, ability to pay those down payments. And then secondly, what are the biggest mistakes you see first-time buyers make?

SPEAKER_00: Uh okay, so that's a very big question. So I'm gonna try to answer it at the best possible. Very broad.

Brian Minier: Well, with that resume we said earlier, we know we don't do it.

SPEAKER_00: All right. So it's a combination for us for the for the first-time homebuyers and really first-time homebuyers, first-time home sellers, um, you know, move uppers. There's a bunch of different categories that we are working in right now, but it's all about a combination between affordability and expectations. And managing expectations is a huge challenge in the real estate world right now because sellers want it to be 2021, where you know, they just put a sign in their yard and it was gone$40,000 over list, and buyers expect it to be 2009, where if it's not perfect, maintained, or anything else that Chat GBT says to these Gen Zers when they're popping it in the in Zillow is what should I ask a realtor or all of those other questions?

SPEAKER_00: It's really managing those expectations between between all of it. Um, the the problem is that they're we're they're starting their search with the home, like what I was just saying, of what they want rather than the payment that they're comfortable with. Um and that's one of the biggest mistakes that we are seeing right now with first-time homebuyers is waiting until they think they have everything figured out before talking to an actual lender versus having someone get educated early. Um, and they might be surprised on what they can afford payment-wise and what they what you're pre-approved for and what you want your payment payment to be are gonna be two different things.

SPEAKER_00: So finding the lifestyle and finding the the part that's gonna be the goal is to get you into something that makes financial sense for you, not what the chat GBT says, not what Aunt Sally just bought, not what your friend in other locations are are looking at. But according to the National Association of Realtors, there's a lot of there's a lot of research being done with this young population where they don't really care where they are. They want to know about the lifestyle. They want to be able to have a comfortable payment.

SPEAKER_00: They don't want to have everything in their home. They understand that it's okay that they're gonna have to sell and move out one day. Um, but they really want to be close to a fun lifestyle area. We're seeing a lot of people buy for lifestyle right now instead of for the square footage and the finishes in the house and you know the suburb area. It's what's gonna fit them.

Ryan Fleming: Yeah, I see that a lot here in the Columbus metropolitan area, um, in some pockets for sure.

Ed Beemiller: Um would you say that these that they they are do-it-yourselfers where they maybe they don't value the realtor or the mortgage broker as much as they should?

SPEAKER_00: Is is that I think there's a little bit of that, yes, with the millennial culture and then with the Gen Zers too. So um, you know, I think that there's a lot of I can just do it myself and I can just do it this way. We've had several people call us in the last couple of months say, Oh, we don't, we're not looking for someone to represent us. We're gonna do it ourselves. And it's and it's and it's I always question and I'm I dance in curiosity a lot with help me understand how you came up with that.

SPEAKER_00: Oh, well, AI, and we said this and we do that. And it's okay, well, you know, AI is a great platform to have, and it's definitely an asset that we need to maintain and still, you know, continue to change with. But at the end of the day, would you ask AI about their doctor's appointment? And the answer is yes, they would do that, and then they'll schedule their appointment. They'll do the same thing with financial goals, they'll do the same thing with you know, how to buy a car, they'll do the same thing with all of that.

SPEAKER_00: So the expectations of this age group is you have to be on top of it, and they can smell BS a mile away. So if you're not in it full time and you don't and you're not gonna add value to them, they know that it's not gonna be worth their time. They're they they have higher expectations of the careers that are out there and the professionals that are out there, which is great because like every industry, there's lots of bad apples. So there's there's they're they're doing their research, which is something that is great and good, and I welcome that.

SPEAKER_00: Um, but at the same time, there's a lot of challenging questions that you know I think it's just putting them into perspective a little bit.

Ryan Fleming: It's interesting how you made a comment earlier about like kind of the national average of what housing's costing relative to here in Columbus, how it's uh pretty below, you know, what you said, three 330,000 roughly is the average.

AI Research And The DIY Mindset

SPEAKER_00: Um, but five years ago it was 180. Just five years ago.

Ryan Fleming: That's that's crazy. So you know, so even in that, you know, knowing that we are in an affordable part of the country, plus the growth that's happening here in the metropolitan area, it still feels for so many so unattainable. My son feels that way. He's like, I don't know if I'm ever going to be able to afford anything. Um and you made a comment too about the uh pre-approval amount is way different than what you can afford from a cash flow. So as as young adults are trying to consider what they can afford and what's out there, whether it's a lifestyle type of situation or just a house in general that speaks to them, um, maybe you could educate the huddlers a little bit what you're seeing out there relative to rates uh in in this overall market, obviously vastly different than several years ago.

Ryan Fleming: Um where are rates going on and in that, uh, what about like down payment requirements? Uh you know, for first-time home buyers, you know, obviously there's there's there maybe there's some young people out there that have like a VA opportunity, things like that. Maybe speak to that.

SPEAKER_00: Yeah, absolutely. So, you know, the rates are always changing. Um, you in and the rates is something that we people were so obsessed with for such a long time because they were so low, and we've kind of gotten out of that a little bit. So, you know, a home is a consumer good. People are always gonna need houses uh everywhere they go, but it's more of what they can afford. So interest rates currently right now in Central Ohio, depending on your credit score and your debt to income ratio, asterisk, asterisk, asterisk is like high sixes, low sevens.

SPEAKER_00: Um, which is which is, you know, if you put things into perspective, we have somebody that we have worked with in the past, and when they bought their house, they had a 13% interest rate. So it's all over the board, but the price of homes were were down as well. So what we need, what we're seeing, and I can totally empathize with your son, is you know, when they want to be in German village, they want to be in Victorian Village, they want to be where all the where you know downtown areas are, old townies, things like that.

Mortgage Rates And Down Payment Myths

SPEAKER_00: There's a lot of tax abatements that are happening that are allowed and and can uh help people afford the areas uh of around the area. So interest rates matter a little bit, but not definitely not as much as they used to matter. Number one. Number two, your down payment, it can be anywhere from three to five percent for a conventional loan. So there's conventional FHA, BA, there's USDA, there's all kinds of different avenues that you can buy to becoming a homeowner. Some other people are using, you know, GIF of funds from their parents.

SPEAKER_00: We talked about the great um the the you know, the great transfer of wealth from the boomers down to the Gen Zers. We're seeing a lot of that happening right now. We're seeing a lot of people buy the their parents and grandparents are buying the home and then they're paying rent to them as well. So there's definitely ways to get into it. But what I continue to tell my clients is the price of homes keep going up. Yes, they're building more, people are coming more in Columbus, Ohio, central Ohio, because central Ohio used to just be Columbus, but now it's yeah, it's Franklin County, Delaware County, Knox County, you know, Marion County, it's everywhere, so it's all over central Ohio.

SPEAKER_00: I mean, we helped a professor at OU buy a house last year in Athens, um, and we helped people buy everything up in Mount Vernon, too. So it just it just depends. But the biggest piece that I want everyone to understand is the asset is appreciating. Wherever you buy, the asset is appreciating. So if you can get in the door, like Springfield, Ohio is a big area right now where a lot of personal home buyers are buying because they have more to choose from, and it's something that is it's gonna be more affordable.

SPEAKER_00: The you know it's in the 200 price range of of where those houses are right now. And if people say yes, but I don't want my my um drive time to work to be 45 minutes, I get that, but at the same time, it's an asset that's appreciating, but you can sell it in a couple years, and that's how we always go into every transaction is I want them to be able to call me in three years and not be underwater, and I want them to have a good exit strategy. So we talk a lot about you know, comparables in the area and you know, 3%, 5%, 20%.

SPEAKER_00: You definitely don't need 20% down anymore. Um, for a first-time home buyer for a conventional loan, at the current way it is right now, it's about three percent down, yeah, is is what you're looking at. And then VA loans are a little bit less, though. The VA loan interest rates, um, I'm seeing those like high fives right now, low sixes. So, you know, shout out to you know the the folks fighting for our country for the VA loans. But at the same time, like it's there's definitely a lot of different avenues that you can go towards.

SPEAKER_00: And I even had a friend do something called home hacking, which is you're buying a townhouse, right? So you have you're you have a maybe a tenant on the on the right side and you live on the left side, and it's one mortgage for the one home, but you're asking someone to pay rent on the other side, so then it it you're able to get a little bit of money back while you're living there. That's called home hacking. So there's there's definitely a lot of research and stuff that's happening with the younger buyers and the younger generations, but at the end of the day, interest rates are gonna fluctuate all the time, real estate's gonna continue to appreciate.

SPEAKER_00: So I there's this phrase that I don't really like, but it's called date the rate, marry the house, because you know it that's just the way that's just the way that it is.

Ryan Fleming: Yeah. Interesting. Yeah. So uh a follow-up question. So, you know, in your professional opinion, you know, what is what is an appropriate um, what I would say, debt to income ratio to secure uh a mortgage these days? And and and how prevalent does that credit score play into that? What do these young people need to be thinking about as they get into the world and you know, quelling their spending habits, tracking their income and inflows and outflows, uh maybe can speak to that.

Ed Beemiller: Yeah. And when someone comes to you within this age group, especially, are there things they should be be doing to prepare for buying a house? Do you have to counsel a lot of times that hey, sure, you guys aren't ready. You know, here's different things you can do to put yourself in a better position.

SPEAKER_00: Absolutely. You know, being in real estate, you have to wear multiple different hats. You know, you have to wear, and you have to have business uh connections within the area that says, okay, hey, you know, Ed, I need you to go talk to this person.

Equity Plans And Creative Buying Options

SPEAKER_00: This person's gonna help you with credit repair. If your credit comes in lower than a 600 and your debt-to-income ratio is higher than 50%, it I'm not a financial advisor, but you probably shouldn't be buying a house. So let's do something to repair that, you know. So let's let's get it in. So, yes, there are multiple different ways that you that can help buyers get ready for a house. I helped clients that just bought in Dublin two months ago. They were saving and doing multiple different things to get them ready.

SPEAKER_00: And this was without their parents, it was just them doing their thing. They came to our first-time home buyer seminar. We taught them all the different avenues to learn how to do things, and it took them two years, but they're comfortable where they are now. And guess what? They can do those renovations because we were able to buy down the interest rate and negotiate on their behalf so they put more funds in their pockets. So there's there's definitely lots of different ways to go to go through with that.

SPEAKER_00: But the debt to income ratio and credit score is absolutely going to depend on everybody's situation. It's not one size fits all for that at all. There's multiple different um lending options, there's lots of different other products. There's a million loan officers in central Ohio that are really great at what they do, and they can help you say, you know, I like for instance, if I have people that are successful and they're like, Jessica, I want to invest in real estate. So I have the I have my house.

SPEAKER_00: I want to use, I have all of this equity in my house because everything's appreciating. I want to use my equity from my house, which is pretty much what you have with the profit of what the less you owe, which what you can pull out, and they're using those funds to as a down payment to invest into a rental property, restore it, renovate it, and sell it, and then they're able to pop those funds back into you know their their house. So there's there's so many different creative ways, but the answer, the the bottom line answer to that question is you've got to speak to a couple advisors in the area to see number one, I would highly encourage them to interview loan officers and realtors.

SPEAKER_00: Uh, because you know, I'm yes, I've done a lot and I know a lot, but there's a lot of other realtors in Central Ohio too that are very good at it, what they're doing. Um, so interview and make sure that it's the right fit for you as a realtor and right fit for you as the loan officer, and then create that plan.

Ed Beemiller: Yeah. Yep. It it's it's interesting because a lot of people, you know, they know what they know, right? But and they don't know what they don't know.

SPEAKER_00: So there's a lot of people that don't know a lot.

Ed Beemiller: Don't know a lot.

SPEAKER_00: They know a lot.

Ed Beemiller: But it's interesting because the from a perception, you know, most people go back and say, oh man, I gotta come up with 20%. You know, I I don't know how in the heck I'm gonna do that. And she just said three. Yeah, and I think it's you know the difference. Jess and I belong to uh to a networking group, so so we get to spend time with each other each week. And uh there is you know a mortgage broker originator in there, and um his name is I'll give him a plug, Rob Hamilton. Uh Rob. Good old Rob.

SPEAKER_00: We love our Rob.

Ed Beemiller: We love our Rob. And he he mentioned a program that I was a little bit dumbfounded. It's a program where if you have assets, so let's say you had 400,000 in investments or brokerage, but you didn't have a job, you didn't have income, they will do a mortgage loan based upon your asset value, and they won't even secure it with the assets.

Credit Scores DTI And Getting Prepared

Ed Beemiller: But since you're showing that value of assets, what they basically say is, well, you would have the ability to pay it. So don't pigeonhole yourself and just think, oh, I'm never gonna be able to do this. And and and you know, just speak to that. I mean, there's so many programs out there, and and there's really uh it's almost like there's a program for everyone.

SPEAKER_00: There there absolutely is, and the people that are coming to us that feel like, hey, this affordability is an issue, but Central Ohio, we have more inventory than we have had on the market in the last 10 years. So we have about two and a half months of inventory, which is great. Buyers need more choices, and you know, so then and it's kind of evening out a little bit here, but it's we need to get more people in the door and get more people to into purchasing a home when they're eligible to. Like you know, renting is not bad when it's the perfect scenario for you, but when you're renting, you need to rent in order to save for the down payment.

SPEAKER_00: It's not just renting as like down.

Ryan Fleming: A nice segue. That's a perfect segue, uh, just because I was gonna speak to that. You know, renting is often portrayed as like throwing money throwing money away, quote unquote. And a couple weeks ago, I had a good friend of mine who's uh friends with my uh son. Uh he's got a job down in Kentucky. Um, he's like 24, 25 years old. He called me up and said, hey, we're moving back to town. Uh we're looking towards like the Buckeye Lake area. Should I rent or should I buy? So yeah, get into that a little bit more.

Ryan Fleming: When is renting a good idea?

SPEAKER_00: So there's a lot of people relocating here to Central Ohio for multiple different areas. We are the job, the job market is booming, uh, you know, educate everything is everything has happened, everyone's coming to Central Ohio for the affordability, for the lifestyle, for all the things. So I would all when we sit down and do a buyer consult with somebody who is relocating here, we sit down, we ask them a bunch of questions, we get to know them, we dance in curiosity, we understand what they're looking for, understand what their pain point is.

SPEAKER_00: And a lot of times they just don't know. So I often encourage them, okay, if you are wanting to spend$3,000 a month on this, but I know that they want to be in, you know, a bigger area, um, then I'll encourage them to, okay, here are some rental places for you to stay at for and they rent month to month and they rent, you know, one to three months. It's not signing a 12-month lease to have the best pool downtown or whatever it is, so they can under truly understand. And then we get in the car and I educate them on the different areas, different suburbs, different this, different that.

SPEAKER_00: Because the the last thing that we want is to have someone buy their house, move their kiddos into a school system, and something happens the next day where things are now zoned commercially and the price of their value of their home goes down. There's all kinds of certain things that could happen. So it no, it's not a bad strategy, but it just depends on what they're wanting.

When Renting Is The Smart Move

SPEAKER_00: Specifically to this topic with Gen Zers, a lot of them want to be, you know, in the more alive scene. You know, they're they're not in bed by nine, but they want to be out and hang out and go do their thing, go walk to a walk to a bar, grab a beer, walk back, you know, even if they want to the dog parks are very big around lifestyle areas, too. So it's more so on what is going to fit their lifestyle, what's going to be the best thing for them. And, you know, at the end of the day, if they just got a new job and they can't afford what they need to do yet and they need to wait like a year for tax returns or whatever, then we'll set a plan and we'll make that happen.

SPEAKER_00: And that's what we'll do with that piece. But everybody is different. And, you know, I never ever bad mouth renting because it fits someone's season of their life. Sure. And that's okay. You know, buying isn't for everybody all the time.

Brian Minier: I uh my I mentioned earlier, uh, our son just graduated, and uh mine got a just got a job recently, and I encouraged him. I thank you. I encouraged him to rent for at least a year because I'm like, you're not gonna have time to cut grass and maintain the house. Like you need to focus on that new job, and if you want to have some fun, do that because you're not gonna have time to do the maintenance. Yes, and he's in a new area, right? He doesn't know Dayton. He doesn't know the Dayton. He's a new area too.

Brian Minier: So I even think outside of the the finances, there's things like that that come into play as far as rent versus buying.

SPEAKER_00: Well, absolutely, because you need to be able to have an exit strategy too. So, what happens if you you know get promoted and you go to Texas after, you know, whatever, you know? So it's it's easier sometimes to buy out a lease than it is to sell a house that you just bought because it things are appreciating, but they're not appreciating like it was in 2021. Um, so it's it's slowing down a little bit because there's more inventory and buyers have more choices. But you know, renting is definitely a very good option um if it fits your season of life.

Brian Minier: Yeah. Yep. Last question that we have here for you. Um, you mentioned some strategies that that young folks could implement to buy a house. Is there any leverage that you're seeing with younger folks right now to to help them with first-time home buying?

SPEAKER_00: Yes. So, you know, I think at the end of the day, the your listeners and the Gen Zers and the parents of the people that are listening to this, you definitely don't need to be rich to buy a home. You just need to be prepared. And the leverage is to be prepared with that piece. So um educate yourself not just on Chat GBT, not just on Zillow, like actually sit down with the human, have a conversation with them and figure out what's gonna be the best, the best way that they can leverage.

Negotiation Leverage And Rate Buydowns

SPEAKER_00: So there's great programs that are available to people uh that we have here in Central Ohio with fantastic loan officers. Um, there's definitely more choices. It gives buyers a way bigger opportunity to slow down and actually negotiate, which is huge. And you and that's why you need to have a great realtor on your side as well to be able to negotiate on your behalf because there's a house that's sitting on the market, and this just happened actually. There was a house that was sitting on the market, and when I say sitting, like 30 days, it's not that big of a deal.

SPEAKER_00: But when someone sits sees a house 30 days on the market, they want to offer five dollars for it, and that's just not that doesn't happen. Like the average day on market in in central Ohio is about 30, and nationally it's between 50 and 70. Oh, wow. So that's it's that's not that big of a deal, but a lot of expectations here we go, managing expectations back to it. But a lot of times the seller doesn't want to get rid of the or lessen the purchase price, the asking price. One, they don't want to screw over their neighbors with comps and things if they sell for less, but also using that to negotiate a credit from the seller to the buyer.

SPEAKER_00: And that's what we're doing a lot too. And we utilize that to do interest rate buy downs. And if you let I'll do a scenario and example for you, if you buy a$300,000 house and you take the purchase price down by$290,000 by$10,000. Now the purchase price is now$290,000. You're only saving about, I don't know, a hundred bucks a month on your mortgage. But if you would take the$10,000 that you that the seller took off of that purchase price and did a credit at close to the buyer. So from the sellers paying the buyer$10,000, purchase price is still$300,000,$10,000 credit, you're able to buy down the interest rate and they're spit, they're saving about three to four hundred dollars a month in their mortgage by doing that's significant.

SPEAKER_00: Oh, yeah. It's huge.

Ryan Fleming: Yeah. Yeah.

SPEAKER_00: So I mean, there's that's the to answer your question, is it's more about knowing the people that are in the industry that are doing this all day, every day, that see it, that feel it, that know what's happening, and that and that we pivot every single day. You know, when when realtors get cocky and they're like, oh, we know the market, we can do this, something else happens. The treasury does something, the Fed cut, who knows, right?

Ryan Fleming: So it's yeah, moving target.

SPEAKER_00: Yeah, it's a moving target. You always have to be ready to pivot. And that's exactly that's exactly what these buyers need. So when they go to sell in three years, because the attention span of a Gen Z, or they're not gonna stay in that house for for like the boomers did, they're gonna want to sell it. So I want to be able to prepare them to leverage their next house to get into that house that they originally started to think about when we sit down with our consults.

Brian Minier: So personal interaction is still important. Imagine that.

SPEAKER_00: Has to be. I know, yes. It can be a Zoom, it can be a Zoom, it's fine.

Brian Minier: Chat didn't like you. You have to talk to somebody.

Ed Beemiller: Oh, really? Can I just text them? That's why we brought her on, man. There we go. There we go. I I think this is a a good ending point, and I love the the last statement that you made, Jess, saying you don't have to be rich, but you do have to be prepared. You know, and and that's that's analogous to a lot of things in life, right? I mean, you preparation, and we talk about it a lot. But Jess, we really appreciate you taking the time. We we definitely love hearing your expertise about the market.

Ed Beemiller: And I will say this, I've known Jess for for some time, and and she is really informed of me in our group of what is a realtor and and what do they what do they do, what benefits do they bring.

Final Takeaways And How To Follow

Ed Beemiller: And there's so many realtors that are not in it full time. Jess is in this full time, this is what she does, this is what she loves. She's gonna give you the attention, the expertise, and and that knowledge base. So whether you're looking to sell, looking to buy, or just looking, uh Jess is a great person uh to get in contact with.

Brian Minier: And we'll put our we'll put our contact in the notes of our show. We'll we'll do that, but that's great.

Ed Beemiller: Do appreciate time. And Huddlers, Huddlers, thank you for uh joining us again. Another episode. You know, please listen to our podcast. Um view our podcast, follow, like subscribe, everything, you know, invite friends to do it. But but with that, uh, we appreciate it until next time. Thank you. Stay, thank you. Stay class together.