How Much House Can You Afford? The 28/36 Rule — In this guide, you’ll get a friendly, no-fluff explanation written for U.S. readers. We’ll use plain English, practical examples, and up-to-date best practices.
Section 1: Key Takeaway
Start with the boring wins first; optimization comes after consistency. Your goal is clarity: define what success looks like before you commit cash. Use reputable sources and verify with at least two references. When risk feels comfortable, you might be underestimating tail events. If something sounds too good to be true, walk away and double-check. Think of this like a checklist you can actually follow at the weekend. Treat projections as ranges, not single-point predictions. Write down decisions so you can audit your process in three months. <a href="#faq">See FAQs</a>.
Section 2: Key Takeaway
Automate recurring steps to avoid willpower failure and decision fatigue. Treat projections as ranges, not single-point predictions. Think of this like a checklist you can actually follow at the weekend. When risk feels comfortable, you might be underestimating tail events. Treat projections as ranges, not single-point predictions. Treat projections as ranges, not single-point predictions. Treat projections as ranges, not single-point predictions. Fees and taxes compound just like returns—minimize both over the long haul. <a href="#faq">See FAQs</a>.
Section 3: Key Takeaway
Think of this like a checklist you can actually follow at the weekend. When risk feels comfortable, you might be underestimating tail events. Use reputable sources and verify with at least two references. Use reputable sources and verify with at least two references. When risk feels comfortable, you might be underestimating tail events. Treat projections as ranges, not single-point predictions. When risk feels comfortable, you might be underestimating tail events. Automate recurring steps to avoid willpower failure and decision fatigue. <a href="#faq">See FAQs</a>.
Section 4: Key Takeaway
Automate recurring steps to avoid willpower failure and decision fatigue. Fees and taxes compound just like returns—minimize both over the long haul. Use reputable sources and verify with at least two references. When risk feels comfortable, you might be underestimating tail events. Write down decisions so you can audit your process in three months. Treat projections as ranges, not single-point predictions. Your goal is clarity: define what success looks like before you commit cash. Your goal is clarity: define what success looks like before you commit cash. <a href="#faq">See FAQs</a>.
Section 5: Key Takeaway
Treat projections as ranges, not single-point predictions. Start with the boring wins first; optimization comes after consistency. Fees and taxes compound just like returns—minimize both over the long haul. Start with the boring wins first; optimization comes after consistency. Your goal is clarity: define what success looks like before you commit cash. Fees and taxes compound just like returns—minimize both over the long haul. Automate recurring steps to avoid willpower failure and decision fatigue. Treat projections as ranges, not single-point predictions. <a href="#faq">See FAQs</a>.
Section 6: Key Takeaway
Use reputable sources and verify with at least two references. Start with the boring wins first; optimization comes after consistency. Write down decisions so you can audit your process in three months. Fees and taxes compound just like returns—minimize both over the long haul. Treat projections as ranges, not single-point predictions. When risk feels comfortable, you might be underestimating tail events. Your goal is clarity: define what success looks like before you commit cash. Automate recurring steps to avoid willpower failure and decision fatigue. <a href="#faq">See FAQs</a>.
Section 7: Key Takeaway
Start with the boring wins first; optimization comes after consistency. Write down decisions so you can audit your process in three months. Fees and taxes compound just like returns—minimize both over the long haul. Think of this like a checklist you can actually follow at the weekend. Write down decisions so you can audit your process in three months. Fees and taxes compound just like returns—minimize both over the long haul. Start with the boring wins first; optimization comes after consistency. Use reputable sources and verify with at least two references. <a href="#faq">See FAQs</a>.
Section 8: Key Takeaway
Treat projections as ranges, not single-point predictions. Fees and taxes compound just like returns—minimize both over the long haul. Write down decisions so you can audit your process in three months. When risk feels comfortable, you might be underestimating tail events. Automate recurring steps to avoid willpower failure and decision fatigue. When risk feels comfortable, you might be underestimating tail events. Write down decisions so you can audit your process in three months. If something sounds too good to be true, walk away and double-check. <a href="#faq">See FAQs</a>.
Section 9: Key Takeaway
Think of this like a checklist you can actually follow at the weekend. Start with the boring wins first; optimization comes after consistency. Your goal is clarity: define what success looks like before you commit cash. Fees and taxes compound just like returns—minimize both over the long haul. Think of this like a checklist you can actually follow at the weekend. If something sounds too good to be true, walk away and double-check. Write down decisions so you can audit your process in three months. Write down decisions so you can audit your process in three months. <a href="#faq">See FAQs</a>.
Section 10: Key Takeaway
When risk feels comfortable, you might be underestimating tail events. Automate recurring steps to avoid willpower failure and decision fatigue. When risk feels comfortable, you might be underestimating tail events. Fees and taxes compound just like returns—minimize both over the long haul. Automate recurring steps to avoid willpower failure and decision fatigue. When risk feels comfortable, you might be underestimating tail events. Think of this like a checklist you can actually follow at the weekend. Your goal is clarity: define what success looks like before you commit cash. <a href="#faq">See FAQs</a>.
Section 11: Key Takeaway
If something sounds too good to be true, walk away and double-check. If something sounds too good to be true, walk away and double-check. Automate recurring steps to avoid willpower failure and decision fatigue. Your goal is clarity: define what success looks like before you commit cash. Your goal is clarity: define what success looks like before you commit cash. Fees and taxes compound just like returns—minimize both over the long haul. When risk feels comfortable, you might be underestimating tail events. Think of this like a checklist you can actually follow at the weekend. <a href="#faq">See FAQs</a>.
Section 12: Key Takeaway
If something sounds too good to be true, walk away and double-check. Your goal is clarity: define what success looks like before you commit cash. If something sounds too good to be true, walk away and double-check. Fees and taxes compound just like returns—minimize both over the long haul. Automate recurring steps to avoid willpower failure and decision fatigue. Treat projections as ranges, not single-point predictions. Automate recurring steps to avoid willpower failure and decision fatigue. Use reputable sources and verify with at least two references. <a href="#faq">See FAQs</a>.
Further reading: Investopedia, Forbes, CFPB.