@Katie Douglas
I'm new to real estate investing so I can't give you any advice on purchasing your first property. But, there were three things that stood out about your post for me.
1. "New cars are expensive at $31K or slightly lower." I literally know of not one family member that has ever bought a brand new car. Even my cousin who is a lawyer and makes six-figures has an old crap car. I bought my "05 suv from my dad five years ago. The engine gave out last summer. Time to get a new car? Nope. We bought a used engine that a mechanic found for us and I'm still driving that '05, maybe it cost $1500 incld. install. But you said you own your cars outright so this isn't even a problem for you?
2. Clothes are expensive. Nope. My best friend is one of the best dressers I know. I'd always compliment her on her clothes and ask her where she got everything. Most of the time she would say, the thrift store. I started going after that and have never looked back. I've purchased so many items $1 and $2 tops and skirts for $5. My mom works for the sate and has to look professional. Guess where she shops. The thrift store. She has beautiful business blouses and enough slacks and blazers to fill a walk-in closet. She shops smart, and looks great. Also one of the thrift stores I frequented had a half off sale the last Tuesday of every month. Guess where I was the last Tuesday of each month?
3. Mindset. You seem to be looking at things as to what is stacked against you instead of what do you have working in your favor? I would suggest that you watch the documentary, The Secret. I loved it and I think it could help.
Best.
