Reddit’s Biggest Home Buying Questions — Answered by Portland Realtors

Is it smart to buy a home with friends? Should you drain your 401(k) for a down payment? What happens if you break up after buying a house together?

In this episode of Off the Record, Joe and Makayla answer some of the most common (and most honest) home buying questions people are asking online right now.

🏡 Episode Summary

People ask the most honest real estate questions when they’re anonymous online. In this episode, Makayla pulls 15 common home buying questions from Reddit and Joe and Makayla answer them from the perspective of experienced Portland real estate professionals.

⏱️ Episode Highlights

[00:00:45] – Why Reddit Is Full of Real Estate Questions
Makayla explains how browsing Reddit revealed recurring questions from buyers navigating today’s housing market.

[00:06:53] – Buying Property With Friends or Family
Joe shares his experience purchasing property with friends and explains why written agreements and exit plans matter.

[00:08:55] – Buying a Home Before Getting Married
The hosts discuss why many couples buy homes before marriage and how planning ahead protects both parties.

[00:10:30] – One Person on the Mortgage vs. the Deed
Joe and Makayla explain the important difference between loan responsibility and legal ownership.

[00:15:40] – Should You Drain Your Savings to Buy a House?
Why maintaining an emergency fund matters and how buyers can avoid becoming house poor.

[00:16:40] – Is Putting Only 3% Down a Bad Idea?
Joe explains why smaller down payments can often be a smart strategy for buyers entering the market.

[00:17:50] – Using a 401(k) for a Down Payment
The pros and cons of pulling money from retirement accounts and alternative strategies buyers consider.

[00:22:15] – Buying the Worst House in the Best Neighborhood
A classic real estate strategy and why location often drives long-term appreciation.

[00:24:00] – New Construction vs. Resale Homes
The hosts break down the pros and cons of both options depending on a buyer’s goals and timeline.

[00:29:10] – Should You Sell a Home With a 3% Mortgage Rate?
Joe and Makayla explain why life changes sometimes outweigh the benefits of keeping a low interest rate.

[00:31:10] – What Happens If Couples Break Up After Buying a Home Together?
How ownership structure and legal agreements determine what happens if a relationship changes.

👥 Hosts

Joe Reitzug and Makayla Mast are Portland real estate professionals with the LivPortland Team at Cascade Hasson Sotheby’s International Realty.

Through their podcast Off the Record, they share straightforward insights about buying, selling, and navigating the Portland real estate market, helping buyers and sellers make confident decisions based on real-world experience.

For more insights about buying or selling in the Portland metro area, visit LivPortland.com.

Thank you for listening to this episode. Stay up to date on the latest trends and insights by subscribing to our podcast and following us on social media.

For more information about buying or selling in the Portland Metro real estate market, please visit www.LivPortland.com or contact us directly.

We appreciate your feedback, so please leave a review and let us know what topics you would like to hear more about.

Transcript

00:00:08:18 - 00:00:27:18
Joe Reitzug
Welcome to Off the Record talking real estate with Joe and Makayla. If you're interested in the Portland, Oregon real estate market and want the unvarnished inside scoop, you've come to the right place. Thanks for giving us a listen. Okay, everyone, thanks for joining the show. Hi, Makayla Mast

00:00:27:20 - 00:00:29:18
Makayla Mast
Hi, Joe Reitzug. How are you?

00:00:29:18 - 00:00:31:06
Joe Reitzug
I'm good. How about yourself?

00:00:31:07 - 00:00:33:03
Makayla Mast
I'm doing well, thank you. Happy to be here.

00:00:33:09 - 00:00:39:05
Joe Reitzug
Happy to be here. It's a beautiful day in the neighborhood, and we've got a great show for everyone today.

00:00:39:10 - 00:00:41:00
Makayla Mast
Yes. This is fun to put together.

00:00:41:04 - 00:00:45:00
Joe Reitzug
Yeah, yeah. Thank you for doing it. It was your turn, and I think you nailed it.

00:00:45:02 - 00:01:04:14
Makayla Mast
Thank you. Yeah, I was scrolling Reddit, as one does in the real estate section, and I wanted to answer some questions that, of course, I'm not going to read all of the long, lengthy story questions that most of them are, but I picked up some major themes. I know the top questions, and I thought it'd be fun to answer them.

00:01:04:16 - 00:01:11:04
Joe Reitzug
Super interesting. Yeah. I'm going to tell you something, and you tell me if this is crazy or not, but I've never been on Reddit.

00:01:11:06 - 00:01:36:18
Makayla Mast
Oh, yeah. I don't think it's crazy at all. I it was a very underground thing, I think, like, I'm new to Reddit as well, and I don't know if it's the way that Google has reworked itself since I, but Reddit comes up as number two for me now under like anytime I ask something opinion based, so under I answer is always Reddit, which I think is probably dangerous for the masses.

00:01:36:18 - 00:01:39:09
Makayla Mast
But yeah, it's just funny.

00:01:39:11 - 00:01:41:08
Joe Reitzug
Yeah. It's weird. I just go to chat now.

00:01:41:13 - 00:01:42:00
Makayla Mast
Yeah.

00:01:42:00 - 00:01:51:10
Joe Reitzug
Fair. When I have opinion stuff on. Yeah, I loving the I people. I'm telling you right now it's a game changer.

00:01:51:10 - 00:02:06:00
Makayla Mast
It really is. But yeah this is funny. You can go down a rabbit hole on people's life stories and. Yeah. And then people's responses are sometimes even funnier than the story. So yeah. Interesting stuff. Okay, before we get started, should we start with our first segment?

00:02:06:02 - 00:02:15:22
Joe Reitzug
Yes. And the first segment is our off the record moment.

00:02:16:00 - 00:02:20:13
Joe Reitzug
Either a bug or a confession or what?

00:02:20:15 - 00:02:22:09
Makayla Mast
Yeah. Do you want to go or you want me to go?

00:02:22:11 - 00:02:22:19
Joe Reitzug
I'll go.

00:02:22:20 - 00:02:24:18
Makayla Mast
Okay. Okay.

00:02:24:20 - 00:02:25:22
Joe Reitzug
I've got a bug today.

00:02:25:22 - 00:02:26:11
Makayla Mast
Okay.

00:02:26:12 - 00:02:37:09
Joe Reitzug
And, you know, I'm sure all the listeners out there and watchers are probably going to line up behind me on this one, but, dealing with health care.

00:02:37:11 - 00:02:38:20
Makayla Mast
Is a nightmare.

00:02:38:21 - 00:02:58:05
Joe Reitzug
Such a nightmare. It's a great you get on the phone and it's like, punch in your your, you know, everything. Everything. And you know, you're on your phone and give us your date of birth, and then you get on live with someone and they're like, yeah. Can I get all that information you just punched in to your phone, including your date of birth?

00:02:58:07 - 00:02:58:22
Joe Reitzug
It's like, why?

00:02:58:22 - 00:02:59:21
Makayla Mast
Yeah, I know why.

00:02:59:21 - 00:03:08:22
Joe Reitzug
People. And I feel so sorry, like I was. I, I say this because I was just on the phone with my health care provider, and the lady could not have been nicer.

00:03:08:23 - 00:03:09:10
Makayla Mast
Right.

00:03:09:15 - 00:03:16:18
Joe Reitzug
But my my patients were at an end with the process. And I feel like she probably gets that all the time, constantly.

00:03:16:18 - 00:03:19:07
Makayla Mast
She always has a dozen people on hold.

00:03:19:08 - 00:03:19:22
Joe Reitzug
You imagine that.

00:03:19:22 - 00:03:21:17
Makayla Mast
You know, it sounds horrible.

00:03:21:17 - 00:03:22:16
Joe Reitzug
No, thank.

00:03:22:16 - 00:03:27:12
Makayla Mast
You, I know, so thank you to the people who do that. But the whole system is I mean, it's a nightmare.

00:03:27:12 - 00:03:51:18
Joe Reitzug
So I got to share one little thing that I saw online this morning. A doctor, I think it was like down in LA or something at the check in desk where people would sign in when they, you know, come for their appointment or whatever. He had a sheet that said, if you are upset about how much your health care cost, call one of these people if they're your provider.

00:03:51:20 - 00:03:56:08
Joe Reitzug
And it had the CEOs and what they make all the different insurance companies.

00:03:56:08 - 00:03:57:06
Makayla Mast
Oh boy.

00:03:57:07 - 00:04:03:23
Joe Reitzug
Yeah, that dude. Bold. Yeah. Very statement. But I thought that was kind of interesting.

00:04:04:00 - 00:04:06:04
Makayla Mast
It's very interesting. Yeah. People started making.

00:04:06:04 - 00:04:07:09
Joe Reitzug
30 plus million a.

00:04:07:09 - 00:04:10:02
Makayla Mast
Year. Right, right, right. People are over it.

00:04:10:04 - 00:04:10:18
Joe Reitzug
Yeah.

00:04:10:19 - 00:04:25:09
Makayla Mast
And I get it. That's funny. I have a pretty big theme. I also have a bug today. Okay. All right. It's funny. We either come, we're like, we have nothing. There's nothing wrong in the world. I can't think of one off the record moment. And then Tim, days were like, ready to go list and.

00:04:25:09 - 00:04:26:23
Joe Reitzug
Load.

00:04:27:01 - 00:04:33:13
Makayla Mast
My bug again. Big common theme here I scammers. They are.

00:04:33:13 - 00:04:34:19
Joe Reitzug
Getting out in force.

00:04:34:19 - 00:04:56:15
Makayla Mast
Right? They're getting so creative and and you know because we just went through this this week. But I consider myself to be pretty like I can usually charge very quickly if it's a scammer or not. I mean, most people can. It's pretty obvious. But we had a lead reach out and say that they wanted to see homes in melanoma, which is, you know, kind of a red flag, I guess.

00:04:56:15 - 00:05:05:21
Makayla Mast
Yeah. But I was like, okay, Multnomah County or Melanoma Village, can you specify? And he wanted to set up a time for a zoom buyer consultant, which is a broker, a dream, right?

00:05:05:23 - 00:05:07:17
Joe Reitzug
Yeah. Let's meet face to face. Yeah.

00:05:07:17 - 00:05:27:11
Makayla Mast
Beautiful. Reach out and get on zoom. That's what we want. So we set the time for the zoom the same day you were on it and it was a no show talking. I sent the zoom link and he or she, whatever, responded like ten minutes after our call and said, please click this zoom link here is isn't working for me.

00:05:27:13 - 00:05:27:22
Joe Reitzug
Yeah.

00:05:28:01 - 00:05:41:19
Makayla Mast
I obviously didn't click click it. I initiated a new link and said you can get on this one, this one will work just fine. And then the English got a little broken. They got a little mad. Yeah I thought that was crazy.

00:05:41:22 - 00:05:49:01
Joe Reitzug
Yeah it is crazy. And I have something to add to this that you are not going to be happy about. But I got two emails from you this morning.

00:05:49:04 - 00:05:50:01
Makayla Mast
I know.

00:05:50:03 - 00:05:51:07
Joe Reitzug
And it's.

00:05:51:07 - 00:05:51:21
Makayla Mast
Not me.

00:05:51:23 - 00:05:52:08
Joe Reitzug
I know.

00:05:52:08 - 00:05:57:17
Makayla Mast
Yeah, it's I get them from Cascade us. And so this is almost daily. Yeah. It's really bad.

00:05:57:22 - 00:06:01:18
Joe Reitzug
Yeah. So change your passwords and change them off and people.

00:06:01:18 - 00:06:02:21
Makayla Mast
Yes. Seriously.

00:06:03:00 - 00:06:06:16
Joe Reitzug
So okay. Well that is our double bug for.

00:06:06:17 - 00:06:22:11
Makayla Mast
Yeah double bug. We're going to have a happier, more uplifting episode. Yeah. After that it's going to be these are so we pulled 15 big questions big themes from Reddit. And we're going to answer them. We're going to try to do it like rapid fire rapid fire.

00:06:22:11 - 00:06:25:03
Joe Reitzug
As much as possible. But some of these things.

00:06:25:03 - 00:06:26:11
Makayla Mast
Yeah, we like to talk.

00:06:26:12 - 00:06:31:02
Joe Reitzug
We like to try. Right. So we're going to give you the full unfiltered on this one people.

00:06:31:02 - 00:06:39:00
Makayla Mast
Yes, yes. And I haven't really thought of responses on these. So it'll be. Yeah. Off the wall. Yeah. Initial reaction. Yeah.

00:06:39:05 - 00:06:39:22
Joe Reitzug
So which should.

00:06:39:22 - 00:06:40:22
Makayla Mast
Be fun okay. Here we.

00:06:40:22 - 00:06:44:06
Joe Reitzug
Go. Should be fun. I'm going to put my phone on Do Not disturb okay.

00:06:44:06 - 00:06:53:06
Makayla Mast
I'm going to throw the first question at you. Do it okay. Number one buying with friends or family. Is it smart or is it risky?

00:06:53:11 - 00:07:00:20
Joe Reitzug
I have done the friend's side. I have not done the family side. Okay, I liked it. It was a good experience.

00:07:00:20 - 00:07:01:12
Makayla Mast
Okay, great.

00:07:01:12 - 00:07:26:05
Joe Reitzug
Yeah. But that being said, my advice is get everything in writing and also take the time to think through the contingencies of what happens if. Right? I bought property with three friends of mine and we just didn't think of what if one person wants out and the other three don't you want to have that contingency in place? Which seems like a no brainer?

00:07:26:05 - 00:07:28:17
Joe Reitzug
You should be thinking about that. But we didn't. We were young.

00:07:28:19 - 00:07:29:06
Makayla Mast
People.

00:07:29:08 - 00:07:32:06
Joe Reitzug
Yeah, yeah. So I say go for it.

00:07:32:08 - 00:07:33:08
Makayla Mast
Just.

00:07:33:10 - 00:07:45:18
Joe Reitzug
You know, have everything in writing and make sure you're all on the same page with your wants, needs, expectations about what is going to happen and what do you want to see happen. And then also make sure you have an exit strategy.

00:07:45:21 - 00:07:53:03
Makayla Mast
Yeah, that's very, very good advice, I love it. The only thing I would add to that, which probably seems obvious, is it depends on the relationship.

00:07:53:05 - 00:07:54:00
Joe Reitzug
100%.

00:07:54:00 - 00:07:59:06
Makayla Mast
Like you wouldn't probably get into this with somebody, you know, you already kind of have some issues with. Yeah.

00:07:59:08 - 00:08:02:08
Joe Reitzug
I've never really had an opportunity with family, but I know you.

00:08:02:08 - 00:08:07:02
Makayla Mast
Have I have, yes. It just depends on the family member. Yeah, yeah.

00:08:07:04 - 00:08:08:07
Joe Reitzug
It does good.

00:08:08:08 - 00:08:10:01
Makayla Mast
But I would be open to it. Yeah, yeah.

00:08:10:02 - 00:08:13:12
Joe Reitzug
I verdict is be careful but not a bad.

00:08:13:12 - 00:08:24:15
Makayla Mast
Idea. And I think yeah like you said have a plan upfront. Do you think that plan needs to be like in legal writing. Or do you think it just needs to be understood between all parties? No ifs, ands or buts.

00:08:24:21 - 00:08:45:15
Joe Reitzug
With the advent of I, I think you can feed ChatGPT or Claude or whoever the questions you have, and also have them put together an agreement that covers all. Ask them for the questions that matter, or have them make a document for you. And then if all of you sign it and you get it notarized and recorded, that's legal.

00:08:45:19 - 00:08:51:16
Makayla Mast
Yeah, that's a very good point. And we could actually help with that. We could help get all those things set up. Yeah okay.

00:08:51:16 - 00:08:55:18
Joe Reitzug
Love it. Number two buying a house before you're married.

00:08:55:20 - 00:09:25:06
Makayla Mast
Oh my is a little similar to the first one. Yeah, but more relationship driven. This was then like probably the most asked question on Reddit. I did this, so I am pro buying a house before you're married. Not that that's the only way to do it. I mean, your timeline is your timeline, but I think if you're committed to the person and if you have, you know, I think the caveat is having an exit strategy is a really awkward conversation to have with that particular relationship.

00:09:25:07 - 00:09:25:15
Makayla Mast
Sure.

00:09:25:20 - 00:09:27:15
Joe Reitzug
It's almost like the prenup, right?

00:09:27:15 - 00:09:30:09
Makayla Mast
I would say go for it, but proceed with caution.

00:09:30:10 - 00:09:42:03
Joe Reitzug
Yeah, I think it allows you to build equity faster, sooner if you're the one buying it and the other person's not on the mortgage, it gives you full control to do it the way that.

00:09:42:03 - 00:09:44:17
Makayla Mast
You want to do it. Question number three. Yeah.

00:09:44:19 - 00:10:05:01
Joe Reitzug
Yeah. Is it dangerous to put only one person on the mortgage? We'll hit that one in a second. The other thing about buying a house before you're married is it gives you flexibility for the future. If you end up getting married or getting into a relationship, you have flexibility. As far as having a place already that you can live in or having it as an investment property.

00:10:05:03 - 00:10:06:12
Joe Reitzug
And I love that. I think it's great.

00:10:06:15 - 00:10:06:21
Makayla Mast
Yeah.

00:10:06:23 - 00:10:10:12
Joe Reitzug
I mean, I'm two thumbs up for it. I don't think there's any reason not to you know.

00:10:10:12 - 00:10:25:22
Makayla Mast
I don't think so either. I was it was really important to me that we both brought the same amount of money to the table. I don't know why it was important to me. I just didn't want an imbalance of power. I want it to feel like very, very equal. We're both in it. So that was very important to me.

00:10:25:22 - 00:10:29:19
Makayla Mast
And it took one of us a little longer to save up. And that was okay. But yeah.

00:10:30:00 - 00:10:35:19
Joe Reitzug
Perfect. Which leads us to number three. Is it dangerous to put only one person on the mortgage?

00:10:35:19 - 00:10:41:20
Makayla Mast
So dangerous. Meaning for the person who is on the mortgage, but maybe use the money to contribute to the down payment.

00:10:42:00 - 00:11:03:11
Joe Reitzug
Right. And just to preface this, we are going to talk about number 15. The very last one is, and this is a bit of a teaser, I like this I like how you've set this up. What happens if my partner and I break up after we purchased a home together? So stay tuned people. We will get to that one.

00:11:03:11 - 00:11:11:01
Joe Reitzug
But is it dangerous to put only one person in the mortgage? I think it's dangerous for the person who isn't on the mortgage.

00:11:11:03 - 00:11:19:05
Makayla Mast
Well, right. You could put there. That's this is kind of a trick question, because you can put both of their names on the deed of the house right.

00:11:19:11 - 00:11:25:22
Joe Reitzug
I think this is definitely a trick question. Is it dangerous to put only one person on the mortgage because.

00:11:25:22 - 00:11:42:00
Makayla Mast
Well, I mean, if we explain the situation a lot of times people are self-employed or they are like a waitress, you know, something where it's pretty hard to track their income. So for lending reasons, lenders like people who have W-2 jobs.

00:11:42:02 - 00:11:54:00
Joe Reitzug
So the question should be, is it dangerous for just one person to get qualified for the home, which I say no. If just one of you can get approved for a loan and you can get the house that both of you want, I think that's a good.

00:11:54:00 - 00:12:03:01
Makayla Mast
Thing, right? But then if person two isn't on the mortgage, decides that they don't want to help contribute to the mortgage payment anymore, right then that person's on the hook.

00:12:03:05 - 00:12:11:22
Joe Reitzug
Should parents cosign for their kids in this market? I can read it. I know, so cute.

00:12:12:00 - 00:12:15:17
Makayla Mast
That was a big one as well. A lot of frantic parents.

00:12:15:19 - 00:12:19:22
Joe Reitzug
Frantic parents as in, should I do this? Or is this going to be a hot mess?

00:12:19:22 - 00:12:21:12
Makayla Mast
Right? Right, right. Okay.

00:12:21:18 - 00:12:22:15
Joe Reitzug
Yeah.

00:12:22:17 - 00:12:37:19
Makayla Mast
What do you think? I think this really depends on their financial situation. I think if you if parents are going to be cutting it close in their debt to income ratio is going to be a little dicey by cosigning on this for your children, I don't know. That would give me a lot of pause.

00:12:38:00 - 00:12:54:23
Joe Reitzug
Yeah. Remember parents, you are then 100% responsible for this. You were on the line. And you know, if you're looking to buy a property yourself, a second home or something like that, this will impact your borrowing power and your credit for that matter.

00:12:54:23 - 00:13:11:10
Makayla Mast
Right? Right, right. So if you know you're in your forever home and you're set up and you feel comfortable, then I would say yes. But I think it probably just depends on your kid. And you're going to know your kid. You're going to know whether they're going to pony up every month and be responsible.

00:13:11:13 - 00:13:19:12
Joe Reitzug
The times that I've seen this work is instead of cosigning, why not gift.

00:13:19:14 - 00:13:24:02
Makayla Mast
Well, because it's a lot of times not a down payment problem. It's an income problem.

00:13:24:04 - 00:13:37:19
Joe Reitzug
True. True. Yeah I, I don't know I think you got to be really careful with this one. I think the stress of oh we cosigned and bought our son a house and now he's lost his job and.

00:13:37:21 - 00:13:38:07
Makayla Mast
Right.

00:13:38:11 - 00:13:39:10
Joe Reitzug
Yeah.

00:13:39:12 - 00:13:41:19
Makayla Mast
Because then they're always gonna have a fallback.

00:13:41:21 - 00:13:42:10
Joe Reitzug
Yeah.

00:13:42:12 - 00:13:43:21
Makayla Mast
And that is you.

00:13:43:23 - 00:13:45:18
Joe Reitzug
That is you.

00:13:45:20 - 00:13:48:10
Makayla Mast
Okay, a little bit undecided on that.

00:13:48:12 - 00:13:48:20
Joe Reitzug
But I.

00:13:48:20 - 00:13:50:17
Makayla Mast
Decided probably leaning towards a no.

00:13:50:17 - 00:13:54:04
Joe Reitzug
Proceed with caution would be my recommendation.

00:13:54:06 - 00:13:54:19
Makayla Mast
Yes.

00:13:54:19 - 00:13:55:19
Joe Reitzug
Okay. What about number.

00:13:55:19 - 00:14:03:05
Makayla Mast
Five? Okay. Buying a duplex with your sibling. Is this a wealth hack or potential for a family feud?

00:14:03:07 - 00:14:13:12
Joe Reitzug
Yeah, I didn't understand this one. Are we talking about buying it as a true investment or buying it as an one? Siblings going to live on one side and the other siblings going to live on the other side?

00:14:13:14 - 00:14:18:18
Makayla Mast
The question that I saw most frequently was siblings wanting to buy a duplex, and they each live in it.

00:14:18:20 - 00:14:19:23
Joe Reitzug
Oh, I love that.

00:14:20:01 - 00:14:20:17
Makayla Mast
Yeah.

00:14:20:19 - 00:14:21:07
Joe Reitzug
I think that's.

00:14:21:07 - 00:14:39:23
Makayla Mast
Great. I think it could be great. It depends on if where you're at in your life, you know, if you want to have a move up home, if you, you know, if you think this is a temporary home for you, then you need an exit strategy that's or similar to or exactly the same as your siblings next door, right?

00:14:39:23 - 00:14:53:00
Makayla Mast
If sibling wants to stay there forever and you know you're going to want out, that's going to be impossible, because then you're going to have to save up for a down payment again for house number two. Yeah. Or pull a lock on the home. And that might get.

00:14:53:02 - 00:15:11:00
Joe Reitzug
This goes back to question one. Right. Just be prepared for all contingencies and think it through and have open conversations about what the expectations are and what you want to get out of this, and how long you think you're going to be there and what the exit looks like, all that type of stuff. So I think it's a great idea.

00:15:11:00 - 00:15:20:07
Joe Reitzug
It's a great wealth hack. The thing I would say about it is we've actually had a bunch of people approach us, and there just aren't that many duplexes available.

00:15:20:07 - 00:15:24:07
Makayla Mast
No, there aren't very few. It's a really hard hunt.

00:15:24:09 - 00:15:29:23
Joe Reitzug
It's a hard hunt. But yeah, it's right now. Yeah. Who knows. And I don't know if they're building more or not.

00:15:30:01 - 00:15:30:22
Makayla Mast
I don't know either.

00:15:31:01 - 00:15:41:19
Joe Reitzug
I haven't really seen any snow coming out of the ground. Okay. Anyways, number six, should you drain your savings to buy a house? Read it that you.

00:15:41:21 - 00:15:42:19
Makayla Mast
The people have read it?

00:15:42:23 - 00:15:46:17
Joe Reitzug
Yeah, the people have read it. Now.

00:15:46:19 - 00:15:52:15
Makayla Mast
No. Absolutely not. Please don't do that. No.

00:15:52:17 - 00:16:05:16
Joe Reitzug
You want to have your emergency fund, right? Of, you know, six months or 12 months or whatever you feel comfortable with. But now don't go broke. Don't go house poor.

00:16:05:17 - 00:16:18:18
Makayla Mast
No. And what does a lender want to see? Because they want to see your down payment. Plus they they don't want to wipe you clean. Of course, they want to make sure you still have two months of your mortgage in your savings. But it's not.

00:16:18:18 - 00:16:19:15
Joe Reitzug
That's the bare minimum.

00:16:19:17 - 00:16:33:21
Makayla Mast
It's bare minimum, but that's what they look for. So while a lender is, you know, of course a good lender is looking out for your best interest. They you know, there's not a lot of guidelines there. So yeah, I would say be very conservative.

00:16:33:23 - 00:16:41:01
Joe Reitzug
Yeah I think that's a no. Yeah. That's pretty straightforward. Number seven, is it dumb to put only 3% down okay.

00:16:41:01 - 00:16:44:20
Makayla Mast
Right. No, I don't think so.

00:16:44:22 - 00:16:47:17
Joe Reitzug
Absolutely not dumb at all.

00:16:47:18 - 00:16:50:03
Makayla Mast
I mean, we have so many buyers who do this.

00:16:50:03 - 00:17:14:01
Joe Reitzug
Yes. And if you have more money to put down, that's great. But look at the cost time, benefit of if I put down 2% more to get to 5% or 7% more to get to 10%, is that going to improve your rate enough? Where you keeping that money would make you less money over the long term than putting the bigger down payment down, right?

00:17:14:02 - 00:17:35:07
Joe Reitzug
Those are the numbers you have to crunch. Now, if it gets to 3% versus 20% down, then I think it gets, you know, you're going to get a much better rate at 20% down. You're going to have a smaller payment, you know, then the numbers get very interesting. Right. But as far as three versus five and 10%, I think most lenders are going to tell you don't for three.

00:17:35:09 - 00:17:37:12
Makayla Mast
Right? Right. The change in save that money is.

00:17:37:12 - 00:17:39:23
Joe Reitzug
Not going to be is going to be negligible.

00:17:39:23 - 00:17:44:16
Makayla Mast
Right and right. Changing rate. You're getting at their monthly payment right?

00:17:44:20 - 00:17:48:15
Joe Reitzug
Yeah. So easy. One number eight do you want to read that one?

00:17:48:15 - 00:17:56:11
Makayla Mast
I love this one. Okay. Should I drain my 400 and K for a down payment? This is a very big one. And I've had a client do this.

00:17:56:11 - 00:18:22:22
Joe Reitzug
Actually, my personal opinion is no. Okay. I don't think so. The once again the opportunity cost lost and the taxes and penalties and weakening your safety net and impacting your retirement. I don't think it's worth it. But I think a smarter move would be to take a loan against your for one k, which you can absolutely do.

00:18:22:22 - 00:18:23:18
Makayla Mast
I love that idea.

00:18:23:18 - 00:18:47:20
Joe Reitzug
Yeah. And that allows you to pay no taxes or penalties. You get to pay it back with interest. I don't know what the interest guidelines are, but I think they're fairly reasonable. And maybe you avoid a high interest rate because you're able to take that money from, your foreign one K that you're borrowing and have no PMI, you know, mortgage insurance and get a better rate because you have more down.

00:18:47:20 - 00:18:48:04
Joe Reitzug
So.

00:18:48:04 - 00:18:49:05
Makayla Mast
Right, right, right. Okay.

00:18:49:05 - 00:18:56:04
Joe Reitzug
I like the borrowing against your 401 K versus drain your for one k okay okay. Yeah that makes.

00:18:56:04 - 00:19:00:19
Makayla Mast
Sense. Yeah it does. Yeah I agree. But I also disagree a little bit.

00:19:00:23 - 00:19:03:00
Joe Reitzug
Ooh bump bump bump.

00:19:03:02 - 00:19:21:15
Makayla Mast
I think it depends on your age. I think if you are fresh out of college aged 20s and you get an awesome corporate job that gives you a great 401 K package right off the bat, and you know you're going to be working for 25 more years, and you have that long to save up for your retirement.

00:19:21:20 - 00:19:30:10
Makayla Mast
And you're taking, you know, maybe 3% down payment out, which would probably be what your for one K is maybe more. I don't think it's a bad thing.

00:19:30:13 - 00:19:31:17
Joe Reitzug
I think you bring up a good point.

00:19:31:17 - 00:19:42:06
Makayla Mast
Because then they're, you know, they're investing in a home. It's just a different avenue. And yes, they're wiped clean with their 400 and K, which sucks. But if you're 27 you have you have some time.

00:19:42:07 - 00:19:44:18
Joe Reitzug
Yeah. And the taxes and penalties are not going to be that much.

00:19:44:23 - 00:19:45:16
Makayla Mast
Right.

00:19:45:18 - 00:19:48:19
Joe Reitzug
Interesting. Very good point Makayla.

00:19:48:20 - 00:19:49:04
Makayla Mast
Thank you.

00:19:49:04 - 00:19:50:22
Joe Reitzug
Thank you I stand corrected.

00:19:51:00 - 00:19:52:11
Makayla Mast
No, I think this is.

00:19:52:13 - 00:19:54:21
Joe Reitzug
I think you make a good we're both coming at it.

00:19:54:21 - 00:19:56:00
Makayla Mast
From very different.

00:19:56:00 - 00:19:58:05
Joe Reitzug
Perspectives. Yeah. Yeah.

00:19:58:06 - 00:20:09:20
Makayla Mast
Phases of life okay. Yeah I'm, I kind of feel like we've answered this one. It's going to be straightforward, but we got to read it anyways. Is it smart to be house poor if it gets you in the market. No, no.

00:20:09:20 - 00:20:10:19
Joe Reitzug
Don't be poor.

00:20:10:19 - 00:20:13:00
Makayla Mast
No, it's never wrong.

00:20:13:01 - 00:20:31:06
Joe Reitzug
Well I mean, I suppose there are certain life situations where you got to have a roof over your head and maybe there's turn to rent, maybe you know, who knows what the situation is. I'm sure someone on Reddit could come up with a situation where it's like, okay, go for it.

00:20:31:06 - 00:20:37:09
Makayla Mast
But maybe they're in college, they know they're going to get an advanced degree that's going to pay them significantly more than the next year or two.

00:20:37:14 - 00:20:42:15
Joe Reitzug
But yeah, I don't see that often. That's really someone in college buying a house.

00:20:42:17 - 00:20:49:13
Makayla Mast
Oh, no. Like someone working on their masters. Oh, or med school or, you know.

00:20:49:15 - 00:20:51:17
Joe Reitzug
Yeah. Hello. Student loans, I don't know.

00:20:51:18 - 00:20:52:16
Makayla Mast
That's true. That's true.

00:20:52:18 - 00:20:56:08
Joe Reitzug
I would say in general, don't ever be house poor.

00:20:56:08 - 00:20:56:19
Makayla Mast
I agree.

00:20:57:01 - 00:20:58:20
Joe Reitzug
Right. Although.

00:20:58:22 - 00:21:17:01
Makayla Mast
Oh, you know, what's interesting is when I do think about this, I think about a young person deciding whether to rent or buy and right now it's hard to get into a rental. It has become a little bit easier around here, but they ask for so much money down that it's almost like a down payment.

00:21:17:03 - 00:21:27:05
Joe Reitzug
It is almost like a down payment. So yeah, I get it. And I think we need to if we were going to dive into this deeper, we would want to define what house poor means, right?

00:21:27:05 - 00:21:27:12
Makayla Mast
Sure.

00:21:27:12 - 00:21:36:05
Joe Reitzug
Right. Because house poor to me versus you know, what house poor as to someone else's and you and I. And it's just going to be different.

00:21:36:05 - 00:21:37:16
Makayla Mast
So that's a very good point. Yeah.

00:21:37:16 - 00:21:57:06
Joe Reitzug
I think you need to be comfortable with your situation and your risk tolerance. And if you feel like getting into this home, maybe you feel like it's a steal of a deal, right? Right. And it's going to appreciate and it's going to be a home that you're going to be in for a long time. And you just want to get into it, and you know it's going to be rough for a couple of years.

00:21:57:07 - 00:22:05:00
Joe Reitzug
Okay, I get that. But there's so many other avenues down in that conversation where it's like, no, don't do that.

00:22:05:00 - 00:22:08:01
Makayla Mast
It's not worth. Yeah. Losing the sleep and the stress.

00:22:08:03 - 00:22:14:23
Joe Reitzug
Yeah. Okay. Number ten, should you buy the worst house in the best neighborhood?

00:22:15:01 - 00:22:30:01
Makayla Mast
It sounds funny because it it feels like an obvious yes to someone who really loves investing in real estate. But, this is interesting. I think it depends on your tolerance for fixing houses up.

00:22:30:03 - 00:22:30:13
Joe Reitzug
Yeah.

00:22:30:13 - 00:22:47:22
Makayla Mast
And how much? You know, do you have money set aside to pay somebody to help fix up the house? Is the house, like, habitable as it is? I think, you know, when if you consider fixing up a house, I think you need to understand if you're capable of doing that skills first.

00:22:48:00 - 00:23:03:05
Joe Reitzug
Yeah, I think that's that's a great point. And I do love when we have clients that find a house that fits them and is great. And in the neighborhood, it's the lowest priced home. I always love that.

00:23:03:09 - 00:23:03:19
Makayla Mast
Oh yeah.

00:23:03:20 - 00:23:19:13
Joe Reitzug
Oh yeah baby. Because the the theory behind that and I think it's factual is you will appreciate with the homes around you much faster than if you were the top, you know, valued home.

00:23:19:13 - 00:23:21:02
Makayla Mast
Exactly. Yeah. Right.

00:23:21:02 - 00:23:43:09
Joe Reitzug
Yeah. Especially if you're the top valued home and everything else is much lower. That's gonna be a slow upward climb for you. It is so. So buying the worst house. Well, right. That's a tough way to phrase it. I mean, I would buy the house that fits you the best. And if it happens to be in the neighborhood where it's the best value bonus.

00:23:43:09 - 00:23:45:20
Makayla Mast
Right? Agreed. Yeah. Okay. Love that.

00:23:46:01 - 00:23:46:19
Joe Reitzug
Look at that.

00:23:46:19 - 00:23:56:16
Makayla Mast
We are showing the same page for you all said we are. Yeah. Crazy. Okay. New construction versus resale, which wins long term.

00:23:56:20 - 00:24:00:10
Joe Reitzug
Oh, boy. This is a big one.

00:24:00:12 - 00:24:02:02
Makayla Mast
Which is why I want you to answer first.

00:24:02:04 - 00:24:16:23
Joe Reitzug
Oh really. Okay. There's so many pros and cons. Right. So the new construction is you know lower maintenance obviously energy efficient modern layouts a lot of times especially in this market right now a lot of builder incentives.

00:24:16:23 - 00:24:19:07
Makayla Mast
Maybe a one year. Well, a one year home warranty.

00:24:19:12 - 00:24:22:14
Joe Reitzug
One year home warranty. And it's brand new.

00:24:22:14 - 00:24:23:00
Makayla Mast
And.

00:24:23:00 - 00:24:47:04
Joe Reitzug
You don't have to worry about anything theoretically. But there's slower early appreciation, you know, higher upfront costs to get into it. And typically smaller lots. You're not going to get on a big lot, right. And you're buying in a very higher high price point. Right. So those are the pros and cons to new construction. You know resale I think you get better appreciation.

00:24:47:06 - 00:25:17:08
Joe Reitzug
You obviously have more negotiating power in this marketplace when it comes to apples to apples the exact same bedroom. Best square footage home is going to be cheaper resale wise. Nine times out of ten, right? So you know the which one wins long term? I think it depends on the individual. Like if you think that you're going to be in this home more than 3 to 5 years, new construction can be a great way to go.

00:25:17:12 - 00:25:33:06
Joe Reitzug
Right. And you don't mind paying a little bit more upfront. You know, you get the home that you want, with the upgrades and all those type of things. But if you want to buy the most house for the payment you're comfortable with, resale is going to be the way to go.

00:25:33:07 - 00:25:51:08
Makayla Mast
Yeah, a grain completely. Yeah. I would add that if you're considering, moving after you buy a new construction, probably try to be there closer to five years to make sure you get a better return. Seven, 5 to 7 years is what we recommend. But yeah, I agree with all of those points. I think that's very well said.

00:25:51:10 - 00:25:53:02
Makayla Mast
Yeah, I don't think I have anything bad.

00:25:53:04 - 00:25:58:03
Joe Reitzug
No good. Is it smart to buy now if you might move in three years?

00:25:58:04 - 00:26:00:02
Makayla Mast
Oh, interesting.

00:26:00:04 - 00:26:03:07
Joe Reitzug
I just had this come up a couple of different times.

00:26:03:09 - 00:26:06:20
Makayla Mast
I did too. It just depends on the person.

00:26:06:23 - 00:26:16:12
Joe Reitzug
Depends on the person. Financing wise. If you know or suspect that you're going to be in there three years or less, definitely use an ARM. Right? Adjustable rate mortgage.

00:26:16:17 - 00:26:18:23
Makayla Mast
Interesting. Okay. Yeah. Right. Yeah.

00:26:19:01 - 00:26:43:04
Joe Reitzug
Because by the time it resets you're going to be selling. So you got to enjoy the benefits of that lower price point. We've had a couple of different clients who have moved to Portland. It just the timing sometimes is not good. Right. Right. And we have clients that bought in 22 and they knew they were going to be moving back to Texas.

00:26:43:04 - 00:27:01:07
Joe Reitzug
They knew it was going to be a 3 or 4 year deal. And then they were moving back. They saw the house back there. And unfortunately, the timing of the market is such that, you know, their area of town is down 3 to 4%. Yeah. And so they're not going to sell it for what they bought it for.

00:27:01:07 - 00:27:06:12
Joe Reitzug
Yeah. To their credit they were like you know hey markets go up, markets go down. Right. And they're.

00:27:06:12 - 00:27:07:00
Makayla Mast
Chill about.

00:27:07:00 - 00:27:09:00
Joe Reitzug
It. Well they're not happy about it.

00:27:09:02 - 00:27:09:22
Makayla Mast
No. But they.

00:27:09:22 - 00:27:24:21
Joe Reitzug
Understand. But they understand. Yeah. Right. Yeah. So that that's a tough one. Is it smart to buy now if you might move in three years. I think it's a roll of the dice because are we still going to be in this low point. Hard to imagine.

00:27:24:23 - 00:27:35:12
Makayla Mast
No I hope not. It is hard to imagine and nobody knows. That's the thing. You know, the best experts can only give you their prediction.

00:27:35:17 - 00:27:36:20
Joe Reitzug
Yeah, yeah.

00:27:36:20 - 00:27:52:06
Makayla Mast
So of course, if you, you know, say you're moving on a state you don't have and you have the means to not sell, then you'd be fine. Yeah. Renting it out. I don't think that's a bad idea at all. Yeah. You just have to be comfortable having an investment in a different city.

00:27:52:09 - 00:28:11:03
Joe Reitzug
Yep. So a lot of different things to consider there. But I still think it's smart, even if you're, you know, you're only going to be here 3 or 4 years. And hopefully a lot of the people that we work with who know that they work for companies like Nike or Intel or other companies that provide some relocation assistance, which can offset some of that.

00:28:11:04 - 00:28:11:20
Makayla Mast
Right.

00:28:11:22 - 00:28:20:12
Joe Reitzug
Which is good. Number 13. Are adjustable rate mortgages ever a good idea? Well, we just kind of yeah, let the cat out of that.

00:28:20:12 - 00:28:25:02
Makayla Mast
Which is funny because I was actually going to say no. But I like your answer to the last question.

00:28:25:02 - 00:28:35:05
Joe Reitzug
Yeah. I mean, if you know that you are not going to be around for more than 3 or 4 years, why not go for it? Okay. The other thing is you can refi.

00:28:35:07 - 00:28:35:19
Makayla Mast
It's true.

00:28:35:23 - 00:28:57:00
Joe Reitzug
Starter home plan to move, maybe relocating. The other thing is strong income growth potential. You know, a lot of younger people starting their careers are like I can qualify for this home now, but it would be really super helpful if I could get a lower rate. That would give me an even more affordable payment, and I'm going to be making more money.

00:28:57:00 - 00:29:00:18
Joe Reitzug
So if rates are just up, I'm protected.

00:29:00:23 - 00:29:02:03
Makayla Mast
Right?

00:29:02:05 - 00:29:04:05
Joe Reitzug
And if it gets too crazy, I can refi.

00:29:04:06 - 00:29:06:23
Makayla Mast
That's true. A lot of people are not comfortable with that.

00:29:06:23 - 00:29:09:05
Joe Reitzug
But there's certain situations, right?

00:29:09:05 - 00:29:09:22
Makayla Mast
Yeah, sure sure sure.

00:29:10:02 - 00:29:10:07
Joe Reitzug
Sure.

00:29:10:07 - 00:29:17:01
Makayla Mast
Sure sure. Okay. Like, should I sell my 3% interest rate to upgrade homes?

00:29:17:03 - 00:29:19:01
Joe Reitzug
Wow, isn't that the big one?

00:29:19:04 - 00:29:20:03
Makayla Mast
It is the big one.

00:29:20:03 - 00:29:25:06
Joe Reitzug
Yeah, that's the big one that a lot of the marketplace is considering right now. What do you think?

00:29:25:06 - 00:29:48:09
Makayla Mast
Well, I had a client who just did this. It was hard for them. They just needed a bigger house, though, very quickly. And they didn't really have another option. And, I mean, the good news was, is we were able to advertise their home, as you know, the home having a simple loan with a really low interest rate, which actually made the home more sellable and did sell quicker than it normally would have.

00:29:48:12 - 00:30:08:17
Makayla Mast
And I think it just depends. You know, I think we need to look at the interest rates for your purchase to make sure of course, you're comfortable with that monthly payment. Your home is is where you live. It's the roof over your head. It's your life. It's you're in it. Obviously, every single day. I think it's important to be comfortable in your home and of course, your, neighborhood.

00:30:08:18 - 00:30:12:21
Makayla Mast
And if those things aren't working out, then I don't think it's stupid to sell at all.

00:30:12:23 - 00:30:17:14
Joe Reitzug
I don't either. I think it just adds a layer of,

00:30:17:16 - 00:30:19:03
Makayla Mast
Sure, for most people.

00:30:19:03 - 00:30:49:18
Joe Reitzug
Right. You know, looking at that 3% and where their payments at versus getting what they and their family might want and need for living right now and having to look at those payments, there's always that, you know, that hindsight of man that I really, really love that. Well, how much do you love that versus how much would you love to be more comfortable, right, in a neighborhood that you're more happy with in a location that's better for, you know, you and your family?

00:30:49:19 - 00:30:59:20
Joe Reitzug
So a lot of those conversations are going around. And I think as rates drop from 7 to 6 to now in the fives, I think those there'll be more of those conversations.

00:30:59:22 - 00:31:11:06
Makayla Mast
Yeah I think so too. Yeah okay. Last one the maturity test I love it. What happens if my partner and I break up after we purchased a home together?

00:31:11:08 - 00:31:13:07
Joe Reitzug
Yeah.

00:31:13:09 - 00:31:17:13
Makayla Mast
Well, at first I think it depends if you're married or not. Married, obviously.

00:31:17:17 - 00:31:33:12
Joe Reitzug
Well, yeah. But also, how is the home titled? Right. If it's joint tenants and it's 5050 case closed. Right. If it's tenants in common then proceeds are split based on ownership percentage.

00:31:33:13 - 00:31:34:00
Makayla Mast


00:31:34:02 - 00:31:34:20
Joe Reitzug
Right.

00:31:34:22 - 00:31:39:02
Makayla Mast
And these are all things that get decided when you're signing for the home.

00:31:39:06 - 00:32:02:17
Joe Reitzug
Yeah. And if there's only one person on the mortgage like we talked about, then that owner is legally entitled to 100%. That being said the non owner may still have a claim if contributed, if they contributed to down payment paid towards the mortgage or paid towards any significant upgrades or improvements.

00:32:02:18 - 00:32:06:01
Makayla Mast
That would be such an ugly, ugly thing.

00:32:06:01 - 00:32:07:21
Joe Reitzug
The War of the roses now.

00:32:07:21 - 00:32:08:20
Makayla Mast
Oh yes. Yes, yeah.

00:32:09:00 - 00:32:11:10
Joe Reitzug
It's a good movie. Was a money trap or something like that.

00:32:11:11 - 00:32:12:06
Makayla Mast
Oh, I haven't seen that one.

00:32:12:07 - 00:32:45:15
Joe Reitzug
Anyways, a couple of different movies touch on this whole scenario, but you know, there's a lot of different ways, you know you can do a buyout. Right. You can buy the other person out, you can sell it and split it. Or the really crazy way to go in my opinion, is one person stays or the other person moves on with agreement, an agreement that they're going to refinance at at some point and, you know, buyout the person that's moving out or refi when the person that staying can afford to do so.

00:32:45:17 - 00:33:09:13
Joe Reitzug
You know, life is crazy sometimes when people get into situations where it's just not easy, right? Right. I think there's more and more people these days and that's that's sad and unfortunate. And so hard decisions have to be made. But, you know, first, it depends on how the home is titled. And then second, you know, who's been contributing, who hasn't.

00:33:09:15 - 00:33:19:18
Joe Reitzug
And then third, how are you going to exit out of that? And what makes sense to both parties? And sometimes the dreaded lawyers get involved, right?

00:33:19:18 - 00:33:28:07
Makayla Mast
I would think if it was, well, any breakup situation and things got ugly, you pretty much have to have lawyers involved.

00:33:28:09 - 00:33:30:04
Joe Reitzug
Maybe. I mean.

00:33:30:06 - 00:33:32:02
Makayla Mast
If you can't come to an agreement.

00:33:32:04 - 00:33:33:20
Joe Reitzug
Yeah, yeah.

00:33:33:22 - 00:33:54:03
Makayla Mast
So, see. Yeah, I know, kind of a sad one to end on what was. But we're going to end with my favorite segment, which is sharing something that we are loving. You can be real estate related or not real estate related.

00:33:54:05 - 00:33:58:16
Joe Reitzug
I'm going non real estate related. I guess I'll start this.

00:33:58:17 - 00:33:59:00
Makayla Mast
Okay.

00:33:59:00 - 00:34:18:21
Joe Reitzug
Thanks. This segment I'm going with good sleep people and with you. I only recently not recently I'm old in the last five six years have really started thinking more about my sleep patterns. And you and I both have horror rings.

00:34:18:21 - 00:34:20:03
Makayla Mast
Yes, we're obsessed with our.

00:34:20:03 - 00:34:23:17
Joe Reitzug
Success with our sleep scores. 91 last night, by the way.

00:34:23:19 - 00:34:27:16
Makayla Mast
I got an 93.

00:34:27:18 - 00:34:28:19
Joe Reitzug
Yeah, well.

00:34:28:23 - 00:34:33:14
Makayla Mast
I'm like a professional sleeper right now. It's pretty much my biggest job.

00:34:33:15 - 00:34:39:20
Joe Reitzug
My wife has Olympic level sleep. She can sleep at the drop of a hat.

00:34:39:20 - 00:34:44:02
Makayla Mast
She really can. It's almost alarming. Yeah, yeah.

00:34:44:04 - 00:35:00:13
Joe Reitzug
It is alarming. And you just say it. I'm going to. She's on the couch sitting up doing, you know, computer work or whatever. And she's like, okay, I'm just going to fall over for a minute. And before she hits the couch, she's asleep. I kid you not just it's insane.

00:35:00:15 - 00:35:05:14
Makayla Mast
I envy those people who can sleep on an airplane. It's such a gift. It's a talent, really.

00:35:05:15 - 00:35:19:04
Joe Reitzug
It is such a gift. But I got a great night's sleep last night. On the way over here, I was just like, you know what? This should be mandatory for days that we pod, that I get a good night's sleep because I just feel so much better.

00:35:19:04 - 00:35:24:12
Makayla Mast
Yeah, yeah. So I love it. I'm glad you got a good night's rest. Well, thank you. Do you have have.

00:35:24:13 - 00:35:27:07
Joe Reitzug
93, mind you, but.

00:35:27:09 - 00:35:30:20
Makayla Mast
Well, I take you. Eunice. Do you take any measures?

00:35:30:21 - 00:35:35:02
Joe Reitzug
Oh, dude, I am into better living through better pharmaceuticals. You know it, man.

00:35:35:05 - 00:35:36:15
Makayla Mast
You know I do do it.

00:35:36:15 - 00:35:38:04
Joe Reitzug
I've got.

00:35:38:06 - 00:35:41:09
Makayla Mast
So you're loving sleep. Pharmaceuticals.

00:35:41:11 - 00:35:50:00
Joe Reitzug
Yes, but I try to mix it up and also make sure there's nights where I'm just on my own. Recently, I've been.

00:35:50:03 - 00:35:50:16
Makayla Mast
Hard.

00:35:50:16 - 00:35:58:00
Joe Reitzug
Nipped in the bud by that, though. Yeah. I'm like, oh, yeah. So I kind of have my little I'm old, I have my little pill thing.

00:35:58:02 - 00:36:00:10
Makayla Mast
I think everyone should have a pill thing. Supplements are.

00:36:00:10 - 00:36:08:11
Joe Reitzug
Important. So my nighttime pill thing, you know there's certain days of the week where I'm like no I'm not going to get any sleep Aids just, you know.

00:36:08:11 - 00:36:09:20
Makayla Mast
Just to make sure I can still do it.

00:36:09:20 - 00:36:11:15
Joe Reitzug
Well yeah. Give the body a break.

00:36:11:15 - 00:36:12:11
Makayla Mast
Yeah, sure.

00:36:12:13 - 00:36:23:15
Joe Reitzug
And the last I think it was Saturday night, I was like, okay, no sleep tonight. Woke up at three. Yeah. Wide awake.

00:36:23:17 - 00:36:25:14
Makayla Mast
It's the worse. And you're like. But then if.

00:36:25:14 - 00:36:30:21
Joe Reitzug
You take it at three, you're like, okay, zombie Day, here I come.

00:36:30:22 - 00:36:36:02
Makayla Mast
Yeah, there's, there's no point. But then you're still going to have a zombie day if you're up past three, right?

00:36:36:03 - 00:36:44:21
Joe Reitzug
True, true, I got up, I read that you're supposed to get up and walk around a little bit and do some stuff, okay? And my dogs look at me like, what are you doing?

00:36:44:21 - 00:36:47:11
Makayla Mast
Yeah, yeah, this is my Randstad.

00:36:47:11 - 00:36:48:13
Joe Reitzug
Go back to bed.

00:36:48:15 - 00:37:07:07
Makayla Mast
That's so funny. So good. I actually heard on one of our podcasts that we like listening to smart lists. The Huberman episode he was just on. Did you listen to that one? No. Yeah, he said that you're not supposed to fight it. Like, if you can't fall back asleep. I think he said under 30 minutes and you should just get up and do stuff.

00:37:07:09 - 00:37:15:18
Makayla Mast
It's actually worse for your body and your sleep. Rhythm pattern, I don't know, just, like fight it for an hour, an hour, 45 minutes.

00:37:15:20 - 00:37:16:09
Joe Reitzug
I have it.

00:37:16:11 - 00:37:16:22
Makayla Mast
Which I think is.

00:37:16:22 - 00:37:17:22
Joe Reitzug
Interesting. I'm not a.

00:37:17:22 - 00:37:22:08
Makayla Mast
Quitter. I'm not either. And I just get angrier and angrier.

00:37:22:10 - 00:37:33:22
Joe Reitzug
Yeah. And you're like, okay, I remembered that Saturday night. Last Saturday night, I made the mistake of looking at my phone and I was like, are you kidding me? So if I fall asleep right now, I'm only going to get.

00:37:33:22 - 00:37:36:21
Makayla Mast
Oh, then you did actually sleep. Math. Yeah, that's the worst.

00:37:36:21 - 00:37:38:14
Joe Reitzug
Yeah, that was a mistake anyway.

00:37:38:14 - 00:37:42:02
Makayla Mast
Okay, so I love I love to sleep. Sleep. I love that for you. Yeah.

00:37:42:02 - 00:37:42:17
Joe Reitzug
What do you got going?

00:37:42:20 - 00:37:56:04
Makayla Mast
I'm loving my podcasts that I consume. I consume a lot of podcasts a week. You know this about me? Probably like ten hours. I would say wow. Every week because that's.

00:37:56:04 - 00:37:57:15
Joe Reitzug
On what I want.

00:37:57:17 - 00:38:27:08
Makayla Mast
The dogs. I don't listen to it on my workouts, any music. But when I'm driving, just even a short five minute drive, my podcast is playing. Yeah. And I just I love it so much. I know it sounds so silly, but the one, one of my favorites I'll show them out is Armchair Expert with Dax Shepard, and it's just like a college level class every week with just an expert who gives you, like, you know, the rundown on whatever they're researching or promoting.

00:38:27:08 - 00:38:46:12
Makayla Mast
Maybe. But this like today he had the CEO of Instagram on and I just loved it. Have such a great conversation. He was super transparent about AI and their impacts with AI and and how they're handling that. And I don't know, the more, you know, I think it's just so fun to live in a world where you can just press play and learn something new.

00:38:46:13 - 00:38:52:10
Joe Reitzug
Should we do a podcast on our favorite podcast?

00:38:52:12 - 00:38:55:19
Makayla Mast
We could, yeah, use.

00:38:55:21 - 00:39:03:02
Joe Reitzug
Non real estate podcast because we're not going to pump up the competition. No no no. Do you want to hear my favorite podcast.

00:39:03:02 - 00:39:04:03
Makayla Mast
So do know.

00:39:04:05 - 00:39:05:18
Joe Reitzug
A short history of.

00:39:05:19 - 00:39:06:20
Makayla Mast
Oh wow.

00:39:06:22 - 00:39:19:00
Joe Reitzug
An hour of college level history. Okay. Narrated by the guy with the best voice in the world. Really. And he's a great storyteller. Oh, it's written extremely well. Yeah, well.

00:39:19:01 - 00:39:19:10
Makayla Mast
I.

00:39:19:10 - 00:39:24:00
Joe Reitzug
Just listened to, his short history of Winston Churchill.

00:39:24:02 - 00:39:29:08
Makayla Mast
Okay. Yeah. And now you know more about Winston Churchill. And it's digestible. It's not like too.

00:39:29:08 - 00:39:29:23
Joe Reitzug
So good.

00:39:29:23 - 00:39:35:14
Makayla Mast
Yeah, I think it's important when they don't get too esoteric because you're like, dude, I need to read something before listening to this.

00:39:35:16 - 00:39:46:11
Joe Reitzug
No, no, no, you don't have to do any research or whatever. They fully explain it. And, the other one I just listened to was A Short History of the Silk Road.

00:39:46:13 - 00:39:48:21
Makayla Mast
Oh, interesting.

00:39:48:23 - 00:39:57:03
Joe Reitzug
Back in history, when before seafaring was big time and yeah you had to go up and over the mountains and blah blah blah.

00:39:57:05 - 00:40:04:08
Makayla Mast
So yours are probably a little more educational than mine. My like.

00:40:04:10 - 00:40:08:03
Joe Reitzug
Well I'm listening to a short history of algebra or anything like that.

00:40:08:06 - 00:40:15:12
Makayla Mast
Okay. But I'm one of the ones that I love. It's like it's like pop culture. It's dumb. Yeah, but it's just, I don't know, I love.

00:40:15:12 - 00:40:16:01
Joe Reitzug
Smart, less.

00:40:16:01 - 00:40:16:19
Makayla Mast
Mindless.

00:40:16:19 - 00:40:17:13
Joe Reitzug
Some of those.

00:40:17:17 - 00:40:19:05
Makayla Mast
Yeah. I love smart List. Yeah.

00:40:19:05 - 00:40:27:01
Joe Reitzug
Smart list is like, you know, you know, a little window into TMZ and all these guys like yes, yes it is celebrities and whatnot.

00:40:27:02 - 00:40:30:15
Makayla Mast
It's just funny how things change. How you consume those things changes.

00:40:30:15 - 00:40:34:10
Joe Reitzug
I love Bateman, I know Stephanie and I are big Bateman fan.

00:40:34:10 - 00:40:38:18
Makayla Mast
You remind me of Bateman and I've told you that before. Similar cadence.

00:40:38:21 - 00:40:40:20
Joe Reitzug
It is a compliment and vibe. You know what I'm saying?

00:40:41:00 - 00:40:44:01
Makayla Mast
So yeah. Yeah, yeah. Okay. Wow.

00:40:44:01 - 00:40:44:13
Joe Reitzug
Wow.

00:40:44:13 - 00:40:46:07
Makayla Mast
Tangent. Where are we?

00:40:46:09 - 00:40:49:16
Joe Reitzug
Tangent. Sorry people.

00:40:49:18 - 00:40:51:00
Makayla Mast
Thank you for listening. Yeah.

00:40:51:00 - 00:41:12:09
Joe Reitzug
Thank you for listening. And, if you want the show notes from this, we've got some good notes on the questions and whatever else we want to throw in there. You can go to LivPortland.com LivPortland.com and click on podcast. And away you go. This is the new LivPortland by the way. We're faster.

00:41:12:11 - 00:41:12:23
Makayla Mast
Better.

00:41:12:23 - 00:41:18:12
Joe Reitzug
Better more content. And yeah, it's a good read on the web.

00:41:18:13 - 00:41:23:04
Makayla Mast
It is, it is. Check it out. And don't forget we're on YouTube as well. Yeah.

00:41:23:06 - 00:41:24:10
Joe Reitzug
Thanks, folks. Have a great day.

00:41:24:11 - 00:41:24:20
Makayla Mast
Okay.

00:41:24:20 - 00:41:26:19
Joe Reitzug
Bye bye.

00:41:26:21 - 00:41:39:19
Makayla Mast
Thanks for joining us today. If you're interested in finding out more about Joe, myself or the LivPortland team, you can go to LivPortland.com. Thanks for giving us a listen and see you next time on the Off the Record podcast.