JC

@carnutchronicle @MichaelGol97070 @philotheis49253 @AdamKoffler It doesn’t fit their narrative. One of the guys complaining is from Dallas. Plenty of housing there. I also gave Tampa. 700k isn’t a starter home. Plenty of options, it sucks and needs to be fixed but not impossible

Idaho is one of the fastest growing states in the US. Ranked #2 actually. Idaho has led the nation for wage growth over the last 5 years with the Couer d'Alene Metro having an $81,861 median household income. Spokane County is only 30 minutes away and has a metro of over 500k people with a median household income of $85,192–$86,206. Literally, you can buy a house in the mountains for under $350k with a beautiful lake out your back door and make $70-$80k a year easily. Stop complaining and moving the goalposts. There are places like this all over the country.

Here’s Dave Ramsey’s advice on buying a house in the year 2026: - Have 20% for a down payment to avoid private mortgage insurance (PMI) - Do a 15-year fixed rate loan - Make sure your monthly payment isn’t more than 1/4th of your take home pay Let’s put that math to the test 👇🏼

@DavidSpiegel17 @AdamKoffler Plenty in Dallas TX. No need to relocate for you

@DavidSpiegel17 @AdamKoffler The idea that people choose areas that they can’t afford and are surprised about housing is bonkers to me. You might need to live in a condo, commute or rent for longer.

@rationalUofLfan Off season wins. If only Louisville could beat Duke on the court…..

Can Kelsey locker Scheyer for a second time this portal cycle? I sure hope so

@MichaelGol97070 @philotheis49253 @carnutchronicle @AdamKoffler

@philotheis49253 @carnutchronicle @joshsec15 @AdamKoffler Exactly. They had to go to IDAHO for a 4 br 2 bd in that price range. Obscene

@DadScrub @AdamKoffler Yes, I’m just saying the average in the US. Obviously big cities are the outlier. You might not be able to pick your ideal location. Housing sucks but 700K isn’t a starter home. If it is, the housing dream will take longer to achieve.

@joshsec15 @AdamKoffler Depends entirely on location dog, average home cost here where I’m at is 700k-1.2m. It’s bonkers.

@jessealanrogers @AdamKoffler It’s literally on their website

@joshsec15 @AdamKoffler I’ve listened to him for over 10 years, it’s 20%.

@GeistPaddle @AdamKoffler Exactly. This isn’t a stater home. If you’re buying a 700K as your starter home, try again. What you just described is a 2nd or 3rd home you bought in you life.

@AdamKoffler @joshsec15 In Indianapolis, $700k buys a house in one of the most desirable lake communities that is 5/4 or 4/4, 3 car garage. Easily 4,500 sqft. 20 minutes to downtown, 40 minutes to airport. 18th largest city in the country. Plenty of jobs.

@MichaelGol97070 @AdamKoffler Account based in Israel.

@joshsec15 @AdamKoffler Again, Show me a house in a good neighborhood for 450k

@DavidSpiegel17 @AdamKoffler No one is buying a 700K starter home. No one is forcing you to take a job in a place you can’t afford. Make smart choices. It might just take longer to save up for the guidelines to purchase a house. It sucks but it’s doable.

@joshsec15 @AdamKoffler And the swing between a $700k starter house and a $350k starter home is regional. Thats not “drive a little further.” Its east coast vs midwest

@MichaelGol97070 @AdamKoffler Median Home Sale Price by U.S. State As of early 2026, the typical home value in the United States is approximately $355,963 to $366,019, according to the Zillow Home Value Index. While average values hover in the mid-$300k range

@joshsec15 @AdamKoffler Show me a 450k house in a good neighborhood.

@acnelson93 @AdamKoffler It surely did come from Ramsey.

@AdamKoffler @joshsec15 Correct. I don’t know where he got the 5% from but it sure didn’t come from any mouth inside Ramsey Solutions

@DavidSpiegel17 @AdamKoffler Where they “have” to live? Who’s forcing them? You can drive further, buy less of a starter house, move, rent and save. It’s TOUGH but it’s doable.

@AdamKoffler @joshsec15 Not just where they *wish* to live but where they *have* to live. Telling a couple making $200k combined in New York, for example, where houses are more expensive to just move to a LCOL means they are likely not making $200k combined anymore. The math doesn’t stay consistent.

@AdamKoffler Also wish to live for a starter home isn’t realistic. I would wish to live on 100 acres and a 3000 sq ft house with no neighbors. That’s not a starter home. It’s like a job, you work up to the wish list home/job.

@AdamKoffler 100% agree. But that’s not on Ramsey. They give good guidelines to help you. 5% down, 25% of your monthly income. I think that’s great guidelines. I’m not big on the 15 year, rather do 30 and put more each month. But stats show people don’t put more and the take the full 30 year

@joshsec15 Asking people to make major life changes because homes are unaffordable where they wish to live is not easy

@AdamKoffler Ideally yes, 20% down to avoid PMI. But for a 1st time buyer Ramsey says 5% down. If 700K is the starter home, you can’t afford to live there. Yes it’s relative but the average home is 450K. You might need to look outside your ideal area.

@joshsec15 It’s also all relative, some areas you can’t find anything LESS than $700K, other areas $700K is a nice 3,000 sq ft home So yes, I’m speaking in very loose general terms. Won’t apply to everyone, but the point still stands

@_dukeuniverse_ Add Graves, Thiam and freshman to this group. Back to elite!

Foster - return Slim - draft Sarr - return Cam - draft Pat - return Cayden - return DH - transfer Nik - transfer Sebas - return Maliq - graduated

@DukeFanHall05 Evans is the wildcard. I wonder if 4 mill keeps him at Duke another year.

@joshsec15 I expect Sarr and Pat to come back. I’d also expect one of Cayden and Foster to return

Some sources are suggesting that Duke has taken their name out of the John Blackwell sweepstakes.

@DukeBallMuse Take Boozer out and replace with Graves. Thiam would be an amazing add. Evans is the wildcard. If the rumors are true that Duke is out of the running for Blackwell, Evans has to stay!

Current Duke lineup 2026-27 👀😈 Caleb Foster Isaiah Evans Dame Sarr Cameron Boozer Patrick Ngongba - Deron Rippey Jr Cayden Boozer Cameron Williams Bryson Howard Maxime Meyer Portal Portal Who is stopping this lineup!?