I can't afford a house AND furniture. Pretty much, that's the main thing that kept me from buying a house. Plus a few other things...
1. I live in a high-cost-of-living city. Anything that I would be able to afford would be in a far-flung suburb.
2. If I had to move to far-flung suburb, that would mean I would have to buy a car.
3. If I can't afford to put furniture in the house, I damn well can't afford to add a car note, insurance, and all the other nonsense.
4. Saving and buying a home would have meant putting off saving for my retirement.
5. It would also have meant a downgrade in lifestyle.
6. I'm happy where I am right now.
Probably simplistic thinking. But sometimes the right answer comes very easily. And for me, it came down to "I can't afford it."
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