CAN I REALLY AFFORD MY DREAM HOME?!

CAN I REALLY AFFORD MY DREAM HOME?!

(upbeat music) – [Narrator] Raven's TV. – Hey guys, what's up? It's Raven, today we are chilling in my mom's living room
with my mom, Chef Tony. We got our shambles
shirts on, we are cozy. I got my sweatpants on. She of course has her
wine and I just wanted to make this video to have a
little chit chat with you guys and talk about the process
of actually buying my home because I took you guys
through the process of choosing my home
and which home I liked, and I showed you guys all
the model homes in my blog. I showed you guys which one I decided on. If you haven't seen that,
you need to get caught up on my house hunting
blogs but for this video I wanted to talk more
about this paperwork. The process, the finances,
can I even afford this house in the first place and what all goes into financing a home and the
mortgage and all that stuff so we're gonna chat a little
bit about the actual process.

I have my mom here because
she knows a lot about this stuff she has experience. In my first house hunting
blog she mentioned that she has purchased six? You said seven I think.
– I can't remember. – Six or seven homes in her
life that she has purchased that she has owned so she knows a lot more about this process than I do because I have never done this
just to kind of like catch you guys up on the process so far, what I have already done. The first thing I obviously had to do was go look at all the model homes. Look at all the neighborhoods,
where do I want to live. What neighborhood, what
builder, what model home and I took you guys through
that whole process already and I chose the model home that I liked and then from there I had to pick a lot to build the house on because
that's just the model home and I'm gonna be building my own home of that model home, it
gets kind of confusing when you try to explain it out loud but hopefully that makes
sense so I got a list from the neighborhood of which
lots were actually available.

I went and kind of looked at them. Like we went to drive
around and kind of looked at the ones that were open,
I saw the one that I liked that was still empty and then
I had to put a deposit down for that lot so that I could reserve it and save it for me so that nobody else would come up and snatch it by the time I got all my paperwork and stuff done. So we already did that, I already put the deposit down for the lot. – So after you chose the
lot, then the builder actually said that you
needed to be qualified for the mortgage, or
prequalified for the mortgage through their mortgage company
in order for you to be, in order for them to
start building the house so you had to submit an
application for pre-approval. – And I had no idea what
that meant or what that was but I just knew it was a company, somebody I had to speak to over the phone and they were going to
ask me about all my income and stuff like that to get approved.

– Yeah basically the mortgage company wants to know that you're a good risk for them to start putting this money into building the home. – So yeah that was a phone
call that I had with them and they asked a bunch of questions about my income and financial stuff and debt. – It was the application
first and then the phone call and while she was on the phone
she checked her credit and– – Yeah she looked up
what my credit score was and just make sure that I had good credit and good income and all that stuff.

She told me that I was pre-approved so everything was good,
we went back and forth a little bit just making sure that we were going to be good for
the amount of the loan because I'm self employed it
was kind of like, convoluted. – Well because you're self employed, if you have a job then
what they ask you for are your income tax
statements but also maybe your check stubs, two
or three months worth of check stubs and they also ask you for like your income tax return but since you're self employed
you don't get a check from an employer so
they want to definitely see the income tax
returns then also kind of find out how much your income is from all of the different sources you had.

– So like basically yoU
can say like it's harder to prove or show how
much money I really make. Like I don't have the
paystubs or whatever. – They can look at your, and they will, look at your income tax return before the final mortgage
and your business has grown significantly over time so if they ask to see say,
2016, then it would be like, well I don't know. – Don't look at how much
money I was making in 2016, like I just barely became a
full time YouTuber in 2015 so by 2016 I was still tryna you know? – You were part time because
you just had a baby so they just wanted an explanation for that and they want some other business records like a profit and loss statement
to show how much you made so far this year, the important part is, they pre approved you and
they gave the go ahead to the builder to start
the building process.

– So in layman's terms
this mortgage company tot he builder, she got enough money, she good in the bank
account area in the job area to where y'all can go ahead
and build her this house and she not gonna be
like oops I'm broke so, got that step done, so
then after that I had a meeting with the builders representative and theis is where we talked more about the structural options
and upgrades because that is basically the
first thing that they need to get straight in terms
of everything that you want before they start
building because they got to get that stuff set in stone
and get the blueprint made I think basically before they
can start building anything and once you sign the paperwork deciding on what those structural options are, you can't go back because that's when they're making the blueprint
and they're starting everything and they don't want you
to go changing stuff.

– Because blueprints are expensive. – Yeah they're expensive to make. The architect has to like
draw it up and everything so I had a meeting with
the builders representative to talk about which
exact option and upgrades I wanted on my house so that is basically the video that I just already posted where I was walking you
guys through the house and talking about which options I wanted. Getting the bigger master bedroom. Getting the bigger patio, do
I want to add the media room or not so if you guys have
not seen that video yet definitely check that out,
I literally walk you guys through the whole house and tell you guys all the options, all the add ons, all the features that I
am going to be getting and which ones I'm not going to be getting so I will link that video down below.

So I pretty much decided
on which options I wanted but I wanted to sleep on it one more time and think about it a little bit longer because I said once you choose this and once you sign it you cannot go back, you can not change any
features on your house, so I didn't wanna sign
the paperwork just yet so I'm still just like making sure and then the next thing
I'ma do is actually go back to them and actually sign
the paperwork that says these are the options I want,
I'm not gonna change it, and then that's when they're
gonna draw up the blueprint and I will have to pay a deposit.

You know, they're gonna
take some money up front for this house and then
that's when after all that then they can actually
start building that house so that's why it's such a long process and building the house
itself is gonna take like a year anyways, that's why I've been telling you guys it's not
gonna be until next year that you really start seeing
progress with the building. – It depends on the builder
as far as what they require to pay them down before
they get started building.

Some builders just ask for a set amount. This particular builder and I'm sure it's probably different
in different states but this particular builder asked for five percent of your lot premium. They asked for, what? – Five percent of the base house price. – And? – 20% of the options
that you're adding on. – Those are structural
options, not design options. – So the structural options which is what we've been talking about this whole time, the ones like they can't
change so that comes to a certain amount of
extra money obviously, extra cost so I have to
pay 20% of that total extra cost of all the
extra options up front as well as five percent of
the base price of the house as well as five percent
of the lot cost basically so that's a certain amount
of money added all up that I have to pay up front
when I sign that contract before they even start building. – Up until like a few
months ago I feel like you were pretty okay with renting and then you just kind of jumped on the okay, I'm gonna go ahead and buy bandwagon.

I'm not really sure what kind of spurred that decision for you? – I mean I was always okay
with renting that's true, but it wasn't ever that I
didn't want to buy a house, it was more so yeah, that is something that I want to do and probably pretty soon but I just wasn't in
a rush to buy a house? Just because it was
something that was basically all up in the air, like I didn't know what the timing was
gonna be, I didn't know when I was gonna wanna do
that, I was just open to like whenever and really what made me actually jump into this process is just like when we decided like, well let's just go look
at some houses to see, to even see what is out
there in the first place so that you know when you are ready and then when I started
looking I was like oh, okay this is kind of cool, this is kind of a good idea now I'm really
seeing what's out there then I just was like well
there's no turning back now.

Like I'm already looking, I'm already like thinking about it so might as well just, I mean why not there wasn't
really anything like, holding me back so I thought well, we're already looking
so why not go for it. – So I feel like you're
learning a lot about the home buying process and I'm kind of walking you through it but I thought it would be fun if I
gave you a little quiz and find out what you really know? Do you really know? – I mean I do think I
learned some stuff so far.

I definitely went into it like basically almost knowing nothing about this process. I mean why would I? I never purchased a house or
been involved in it before. I do watch a lot of HGTV but they don't talk about this part so, I definitely had to learn a lot of stuff and I feel like there's still some stuff that I don't know or
that I don't remember so. – Okay, so I'm going to
give you a little quiz. My first question in the quiz is how much do you think you spent on
rent in the past three years? This is not including
when you were in college, in your college dormitory but, so you graduated college
and you moved into your first apartment in Dallas, how much do you think you spent between now and when you get ready to move
into your house next year.

Wild guess. – Between when I moved in in Dallas. – Don't calculate, yes. – When I moved into Dallas all the way until I'm going to move
into my house next year? – How much do you think
you have spent in rent? – Don't calculate, what do you mean? – Guess, just guess, what do you think off the top of your head. – $50,000. – Eh! – Wait, let me actually think about it. – No no, it's wrong, you already guessed. – Okay what is it? – $100,000 in rent, I added it up today. I wasn't sure, I knew you
spent a lot of money on rent, but I was like, 100
grand, so when you first were like talking about buying a house I was like eh, no rush
for that you can rent, what's the big deal, that's
a lot of responsibility but then when I realized how much money, that money is just gone,
it's no investment, it's no appreciation, it's just gone.

Your apartments have been
nice but they're not like, you know they not like that, no. They not like that, you know? So that $100,000 is
money that's just been. – Yeah it's not
investment, it's just rent. You don't own anything. And people would always tell me that you're wasting money
renting, you're wasting, you're wasting, to me, even though when you think about it
that way it does seem like such a huge waste of
$100,000, at the same time, it really wasn't just a waste. Like you're paying for something. You're paying to live somewhere. You're paying for the amenities, you're paying for the maintenance, you're paying for the convenience, you're paying for the location.

There's a lot that goes
into why these apartments cost this much and why I chose them and why I chose to live
there and not live in a house because like you just
said a big responsibility comes with the house, you
don't get the amenities. You don't get the maintenance,
I mean there's stuff that you, it's a trade off a little bit and for where I was at the time, and what I had going on in my life it really wouldn't have made sense. – Well that's good that
you brought that up because my next question
is name three advantages or pro's to home ownership. – Well first advantage is
that you actually own it. You're not throwing money just
to rent, it's an investment. Second advantage is
that the tax write off. The third advantage I
mean, it's your house. I would think, and a big
advantage for me personally is like you're living
in a place that you own so that's like your home,
you can customize it. You can pick certain things whereas like when you're living in an
apartment, okay just move in and don't touch anything
and don't break anything.

Don't change anything whereas in a home that you own you can do whatever you want in it and make it your own. – Those are the three
ones I had in mind too so. – I'm smart. – The tax benefits are
huge, especially for someone who is self employed and in a profession like the one that you're in you don't have a whole lot of business write offs so huge chunk of your money
goes to pay Uncle Sam. Fortunately we don't live in a state that has a state income tax
but federal income taxes have been killing you. When they say that a house
can give you a tax benefit that's because up to a certain amount and fortunately you're below that limit you can write off your interest,
your mortgage interest. You can also write off your property taxes so that brings the amount
that you have to pay to Uncle Sam down a little bit.

The next question is what are,
I mean it's not all roses. What are three cons to home ownership? – The disadvantages of home ownership are already like I said, the amenities. I mean it kind of depends because it depends on, you do get
some amenities depending on what you actually have at your own house, like in terms of do you have
a pool in your backyard. Do you have a pool in your
neighborhood, is it nice? Whereas a lot of the apartment complexes that I live in they
have really nice pools, workout centers, all that stuff in the main community center of
the apartment complex. Sometimes you might not have that stuff in your house or in your neighborhood or might have to like drive to go to a gym so like amenities can be a disadvantage. Also like the maintenance
is a big disadvantage because now it's all my responsibility to keep up with everything in my house or hire someone and pay
someone if the whatever breaks or this goes out or that goes out, and like even with the
landscaping and stuff. At an apartment, you don't
have to worry about that but that's going to be
all my responsibility and then a third disadvantage, the cost.

I mean it cost a lot
more money to buy a home, build a home, all these down payments. – The other one I was thinking of was that your home is an investment and you do have a certain amount, you will gain a certain amount of equity in it, probably fairly quickly in the
area that you're building it because it is appreciated but if you like, needed to move next month. – Oh yeah. – It would take a little time probably to get your money out of the house. – And not only to get my
money out of the house. – You can't just be like oh, I'm going. – Like that was a big reason as to why people didn't understand why
I kept going into apartments and stuff is because I kept moving. I wasn't like settled in life of where exactly I wanted to live and stay for a long period of
time and if I were to be buying a house it's a lot more work and a convoluted process to be moving from house to house when you own the house whereas an apartment it's really not even that hard to break your
lease a lot of the times as long as you can pay the fee
so you can break your lease, pay the fee, move to the next apartment, and it's not that big of a deal whereas like obviously it's a
much bigger deal to move from house to house so
I needed that option to be able to move if I needed to.

Now obviously I don't feel like I need that option because
I am just like settling. – How much do you have
to put down on a house when you're getting ready to buy it? – Well how much do you have to? – How much do you have to. (laughing) – Or how much am I going to? – How much do you have
to put down on a house? – 10%.
– There you go. – But you can put more. – You can put more and, you can put– – I know what I'm talking about. – I thought you were like,
I have to put money down? – No I thought, because I didn't know if you were saying for
me personally or just? – 10% is pretty much the minimum. Typically people put
between 10 and 20% down. If you put, depending on what
kind of mortgage you have. Depending on, some mortgages
will want you to have mortgage insurance which means– (mom rambling) And you put 10% and then
you can just put 10% down. Is that confusing you? – That sounds like Chinese. I love it because it really
sounds like Chinese to me.

This stuff makes no sense. – We don't need to go into that. – So I'm just wondering does
this make sense to y'all? – 10%, 10%. – Basically what you need to know, what I needed to know is that of course you're gonna have to put
money down in the beginning. It's not just paying your
mortgage every month. You have to put money
down in the first place and it's going to be between 10 and 20% of the cost of the home
overall so it's going to be a larger chunk of money, large lump sum that you're going to have to pay up front and I've already kind of
calculated what percent I'm gonna put down and got to think about, because you got to think
about your savings, saving up for that
because that's going to be a large chunk, okay. – Let's skip ahead, let's skip ahead. So how do you know, how
does someone figure out how much home they can afford? – Go on that little website. All I know is that you
went on some website where you type in how much money you make.

architect

– All it is is a calculator
sheet but what's the equation? – How much money you make,
how much in debt you are, and, I don't know what else. – That's it, so it's called
debt to income ratio. When people give you a mortgage, they want your debt to
income ratio to be between 28 and maybe top top top 43%. If you have a 28% debt to income ratio, then that means the mortgage should be really comfortable for you. Inch it up to 43 percent,
becomes a little bit more dicey. – Because that basically
means you're in a lot of debt compared to how much money you make? So basically to me the way
I think about it is like, it's literally calculating
how much you can afford because they're counting
in all the other debt that you're in, your car
note, your student loans, whatever else you have.

Some people have like
medical bills and stuff plus adding on that house and then how much do you make a month? Can you really afford it
comfortably and not just like, you barely have enough money every month to cover all this, they're seeing how much wiggle room you have
and that lets them know that it won't be too risky
for them to you know, do business with you.
– Very good, you notice stuff. What are some things you need to make sure you've taken care of
before you can qualify for a home loan? – Pay your debt, I don't know. (laughing) Make sure that you're paying your debt. You're paying off your credit cards and trying to make your
credit score better and make it to where that
equation is gonna look, if there is anything you can
do, if you can afford to, that's what I would do
because I think some people, what I was gonna say is I feel like if a lot of young people if
it was their first time buying a home and they're doing their own little calculations on
what they can afford they might like cut it real close.

Like they'll think oh I
can afford this because I can afford a $2,000 mortgage because I make $3,000 a month, no you can't because when they do the calculator that's cutting it too close and according to the mortgage company,
no you can't afford it. – And you mentioned one thing which is, pay your debt, pay your debt but really– – Don't be in debt in the first place. – No, you gotta–
– Well yeah. – That's a trick question
because you have to have had some debt in order to have credit so A you got to establish
credit which means what, going into debt, get a credit card, getting a loan, getting a car note, having a gas card, whatever, you gotta, have that debt so that you can show that you know how to pay that back. Not just paying your bills
when you feel like it, paying it when it's due and not having any late payments on your credit. – Because even the mortgage lady when we were talking about credit and my credit score
and the problem with me is that I'm young so I haven't even had a lot of time to even establish credit in the first place like
part of your credit score is time and seeing that
you're doing certain things over time so like for me it might be a good idea to open up another credit card or something depending
just so I can establish more credit in the first
place but you can't just, she said, you just can't
open up a credit card.

You have to use it, like
use it and pay it off so they can see you actually doing that. But when you're young you haven't really had a lot of time to even like
do that in the first place. – And another thing they want to see, they don't want you to have used up all your credit limit. – You're maxing out your card every time. – 30%, down to about 30%, so if you have a $1,000 Macy's credit
card, you should only owe like 300 dollars on it. You have to stay on your job
or have the same business for a couple years, they
want to see stability. They don't want to see you really jumping around from job
to job so if you can, at least be on a job or in the same, even if you jump from one job to the next, at least it's in the same industry. So I think the last question is, since we're talking about credit.

What is a good credit score? – 600 and up. Six something? I know like, seven something is good. – I would say high sixes to eight. I think the best you can have is 820. They still might approve you, if your credit score is not great, if it's like eh, uh oh,
so so, they might still approve you for a mortgage loan. The problem is, you won't get
a really good interest rate. There will be a much
higher interest rate and you'll see when they start talking about locking in your interest rate that that makes a big difference
in your house note.

– And I have pretty good credit. – Yeah you don't have any slow pays. You don't have any bad
stuff it's just that you don't have a whole lot. – The only thing going against me is not like having credit
in the first place. I don't have bad credit, I just don't have a lot of credit and like
I said I haven't had a lot of time to build up credit. – You know at least
apartments in your own name. You've had a car note,
you have student loans, you have a credit card so
you don't have a whole lot but it's still according to
the mortgage company it's good. – So that's the end of the
quiz, you did pretty good.

– Do you have any
apprehensions about I mean? How are you feeling
like in your gut of guts about this whole process? – I don't feel, I mean
I feel nervous about it. I feel kind of like
scared but only because it's like uncharted territory for me and I have no idea what's going on. Like all the details, all the stuff we talked about was all brand new to me. I had to learn a lot. Now that we got the
first little scary steps that I was unsure about, now that we kind of got that done
I feel a lot better now knowing that I got pre
approved for the mortgage. Knowing that my credit is pretty good. Knowing that we did the
calculations on everything. I can afford the house, I kind of know what my mortgage is going to be like.

I'm kind of comfortable with the financial part of it now, now I'm just
kind of like nervous about the actual building
process and what that's going to be like in terms of me being such a perfectionist and being so picky and I know what I like and I know it's going to be such
a process trying to get exactly what I want and if
I can't get certain things like that's the part that I'm kind of like nervous about but other than that, the overall idea of buying a home and moving into this new neighborhood and having this new lifestyle of like not being in an apartment
anymore like I'm happy about it. I'm excited for it, I'm not really scared to like live in a house because I live in a townhome right now and with the way that
my community is set up it kind of feels like I already live in a regular little house. The difference is that this
house is going to be bigger and it's not going to be
in an apartment community but I just don't really feel like it's that big of a jump in terms of how it's going to feel to live there so I'm not really nervous
about the whole idea of like buying a home and
moving into my own home.

– Well I will tell you having been through this process a few times, you're gonna be upset,
there's gonna be some times you're gonna be mad, things
are not gonna go perfectly. They're gonna mess some stuff up. They're gonna.
– That's what I'm not– – They will possibly fix
it, they will possibly try to make it right, I think
your builder is reputable and I've known some people
who've built with them before although they hadn't built our house, everything is not going to go perfectly. You're going to have to let go of some of you perfectionism.

You're going to have to
realize that it's just a house. Just brick and mortar and stucco, and it's not that serious. You're gonna end up with
95% of what you want. – See that's where, my thing is, I already know I'm gonna be
mad, if they mess something up. They tell me oh, we can't
do this, we can't do that I'm gonna be mad because
it cost too much money for y'all to be messing it up for me to not get what I want so I don't know.

I am excited so the next steps basically now that we kind of got all
the financial stuff done so surprise surprise
this title was clickbait, I can afford my house, I already
know I can afford my house. I already did all the
budgeting, the calculations, so we're good on the financial end. You're pretty much good with the mortgage and all that stuff now
it's really kind of time for the fun part, in my
opinion this is the fun part where you're building and
your designing your home so I'm gonna get to go actually there's a, design center open house
where they're gonna be having like all the design
options, like the cabinets and the countertops and floors and whatever other things you get to pick out and all the colors and materials.

They're gonna have an open
house where you can look at samples of each color,
just kind of get an idea of what the options are
so I'm really excited to go to that, we're
doing that this weekend and I can at least– – Aren't you kind of scared
of that because I know, I already know.
– What? – You're gonna look at
the stuff that's standing, gonna be like, uh nuh.

– I mean yeah I already know that too. – Because you can't (mumbles). – Even from looking at the model homes and oh this is standard, this
is your standard countertop that you get, this is your
standard floor that you get and I'm like this, no, this is ugly. – Most of the stuff in the
model home are upgrades and that's why you know–
– Yeah. – She walked you through
that because there are like, this doorknob is an upgrade. – But it's just they
get you because you look at the upgraded model home
first, or at least I did. I kind of looked at a lot
of the upgraded stuff.

– If they made a model home
with all standard stuff in it. – It's horrible, I mean it's not horrible. Like some people are like,
ew, Raven, you're so picky, like why you being like
that, well that's because I'm paying for it so if I'm gonna pay, and it's mine and I get to choose it of course I'm gonna choose what I want. I'm not just gonna choose
all the standard stuff that I don't want but obviously if I had to live in a standard home I would be thankful either
way just to live in a home but since I am getting to choose
it is gonna be hard not to– – You're gonna have to
stick to your budget. You're gonna have to stick to your budget. – But the good thing is we kind of already been sort of trying to
calculate some stuff and just knowing what I like and knowing what type
of upgrades and stuff I'm gonna wanna get I feel like I'm still gonna be in budget and still
be able to get what I want.

On top of your down payment for the house, and so before you make your down payment, you make the deposit. – Yes, and that goes towards your– – Goes towards your down so I'm just like actually half of your down payment, you pay that first, then you pay your down payment after that. So that's like your initial large lump that you have to pay but
on top of having that money ready to go you also have to have? – You know there's some
things you're gonna need in the house, even beyond decorating. There's some things that
you're gonna need in the house.

Pretty much soon after you move in. Well first of all you have
to have your moving expenses. You got to plan on paying a mover. The second thing is you
gotta have a refrigerator because most homes new homes
don't come with refrigerator. You got to buy a refrigerator. Oh you got to buy a washer and a dryer. – Basically all the appliance, you pretty much gotta
buy all your appliances straight off the back. – You're gonna want to put
something up on the windows so that people can't see in. – Your window treatments. – Your blinds, window treatments. – You're gonna want to put your fence in. – Security system and stuff. – Yeah that's not a major expense but yes your security system,
you were talking about doing a custom closet well then you don't want to spend months
or even weeks in there with a blank closet so– – Leave my clothes on the floor.

– So that's a big chunk of change. – But yeah then after that
like in terms of decorating and just adding in all the extra stuff I'll kind of be able to take it slow and take it little by little, also because I want to film it for you guys and make a series out of it and do room by room how I'm decorating each
room so I'm not gonna like go broke and buy all the furniture, all the decorations for
my house, all at once.

Otherwise that would be a
lot of money all at once on top of just having buy the actual home, put the down payment
for the actual home so. – Save your down payment
and save a chunk of money for those things that
you're gonna have to have as soon as you move into the house. – I've been saving up for ever. Like I've been saving my, I would say I started seriously saving and knowing that I'm most likely going to be putting that money towards buying a home since about 2014-2015,
it wasn't much in 2014 and 2015 that I was able to really save but I always kind of
had that mindset of like let me start saving now,
let me keep money put away because I know eventually I'm gonna wanna do something with this
money, probably buy a house and then definitely
2015-2016 and from then on I really started making
sure I'm saving my money because again like I
keep saying it's kind of a lot of money up front
so you have to have a lot of money saved and
I'm gonna feel just so broke when it's all said and done.

All this money that I've been saving. – You gonna be broke. – All this money that I've been saving for the past five years all of
a sudden is going to be boop, out of my account, all gone, just, but I'm gonna have my
house and I'm gonna have a very nice house at that
and it's gonna be worth it and I'm excited and I'm not mad about it, like I'm actually excited and happy for it and thankful that I can even
do it in the first place at this age and stuff and
I think I found really like the perfect house and
yeah I'm actually excited for the next steps that
I have the actual design and building part of it. I think that's pretty much everything we wanted to talk about. Of course like I said this is going to be an ongoing series, I'm not
gonna leave y'all out the loop so whenever we do get to those next steps, there will be another
video kind of explaining and updating everything and then of course I know you guys are super excited to just get the ball rolling and really start seeing the house go up and see
what kind of design options I'm gonna be picking so I'll
definitely update you guys on that but that's pretty much what we had for this video, if you guys are enjoying my house buying series make sure to give this video a
thumbs up and subscribe to my channel so you can stay tuned for the next episode and I'll see you guys in my next video, bye.

You're not gonna say bye? (coughing) – And your down payment money set aside. (cat meowing) – That's not–
– Shut up. (cat meowing)
(Raven burping) (mom burping) – Ew, that was a (laughing). That was like deep in your mouth. – That you need to have ready now but– – Restart, I don't know
what you're talking about. (laughing) – Quit hurting my side. (laughing) – What?
– Okay. So you were taught, one
thing we didn't touch on is you were– – You're like choking
while you're talking.

(laughing) – What? – Because you're gonna look at me crazy. I was just gonna say that the one thing. (laughing) What, okay, what? – I want to talk about the
amount of money that you have. (laughing) – Why I can't talk now
because you're like, every time I look at
you you're like dying..

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