Anonymous
Post 02/01/2026 16:34     Subject: Would you buy a house at 50?
Anonymous wrote:Unrelated but how can anyone ever claim “taxable accounts are fully funded”?

That makes no sense


OP here. It was poorly worded. What I meant is I have been fulling maxing my 401k/Roth for the past 20 years. And I have been investing in VTSAX for the past 20 years as well. I can retire today if I wanted to.
Anonymous
Post 02/01/2026 16:12     Subject: Would you buy a house at 50?
Unrelated but how can anyone ever claim “taxable accounts are fully funded”?

That makes no sense
Anonymous
Post 02/01/2026 16:01     Subject: Would you buy a house at 50?
We bought our house when I was 55 - 20% down with a fixed rate for 30 years.
Anonymous
Post 02/01/2026 15:38     Subject: Would you buy a house at 50?
Anonymous wrote:OP here..thank you so much for responding. I plan to take a 15 years mortgage. And I will absolutely run the numbers very carefully. I am conscious that this could set me back a bit if I overextend myself. In theory I can buy it cash and still be okay, that would be sacrificing potential growth in equities. And I don't plan to buy a large home.


If you can afford it in cash but just choose not to, then it’s a good idea to buy (except maybe property taxes will eventually be too much? Will your family help you out if you can’t afford them one day?)
Anonymous
Post 02/01/2026 15:36     Subject: Would you buy a house at 50?
Anonymous wrote:My mom was renting and then got tired of being subject to the whims of landlords so at 72 decided to buy and she’s been happy.


I rent at a rent stabilized place and except for “recertification” every year I don’t expect any trouble. No rent hikes, no “we are selling the house”, I’m here for the long haul. The only problem is the upkeep as I need to clean the bedroom carpet and wash second story windows.
Anonymous
Post 02/01/2026 15:33     Subject: Would you buy a house at 50?
Anonymous wrote:My dad wants to build a house at 75. My mom is not thrilled with this but the planning gives him something to do I guess.


This is a dumb plan
Anonymous
Post 02/01/2026 15:33     Subject: Would you buy a house at 50?
Anonymous wrote:
Anonymous wrote:We sold our when we divorced 5 years. And since I have been renting. I am thinking about buying a home again at 50. I will put 50% down. 529, 401ks, Taxable etc are fullly funded.

Would you buy a house at 50?


My parents bought their retirement home at 75, so of course I’d buy a home at 50.


Did they take out a non backed mortgage though
Anonymous
Post 02/01/2026 15:31     Subject: Would you buy a house at 50?
My dad wants to build a house at 75. My mom is not thrilled with this but the planning gives him something to do I guess.
Anonymous
Post 02/01/2026 15:29     Subject: Would you buy a house at 50?
As long as you don't buy in a state with ridiculous property taxes go for it. I moved to DC from White Plains NY a few years ago. If I were still in White plains NY I wouldn't buy a house at 50. Heck I wouldn't buy a house there at all lol
Anonymous
Post 02/01/2026 15:01     Subject: Would you buy a house at 50?
Anonymous wrote:
Anonymous wrote:Sure, but I wouldn’t choose a 30 year mortgage.

This!



why not?
Anonymous
Post 02/01/2026 14:46     Subject: Re:Would you buy a house at 50?
I’m not sure why you wouldn’t.
I bought a house in 2020 with a 30y mortgage. I was 51.
Anonymous
Post 02/01/2026 14:36     Subject: Would you buy a house at 50?
Why wouldn’t you buy a house at 50? Does life end at 50?
Anonymous
Post 02/01/2026 13:46     Subject: Would you buy a house at 50?
Anonymous wrote:I would have avoided divorce


Lol. Ok.
Anonymous
Post 02/01/2026 13:44     Subject: Would you buy a house at 50?
Yes, but I would only buy one that would allow me to age in place. Ie garage, bedroom, full bath, laundry on the main level at minimum.
Anonymous
Post 02/01/2026 13:33     Subject: Would you buy a house at 50?
I’d keep renting. Upkeep is a pain.