Скачать или смотреть The HOA Trap: Why Your House Isn’t Fully Yours

#savemoney #personalfinance #investing

HOA fees, HOA trap, special assessment, monthly HOA cost, HOA rules, home buying, hidden costs, mortgage math, home affordability—this cartoon shows how a “small” HOA fee becomes a long-term wealth drain.

Most people see a $300/month HOA fee and think it’s nothing compared to the mortgage. But when you run the numbers, HOA dues don’t stay flat—fees rise, special assessments hit, and your resale buyer pool shrinks. In this video, I break down the real math behind HOA costs, why a “reasonable” fee can turn into six figures over time, and how that same money could build real wealth if it were invested instead.

If you’re about to buy a house, condo, or townhouse with an HOA, watch this before you sign anything.

0:00 The $300 HOA Fee (Looks Harmless)
0:30 “It Covers Landscaping…” (The Comfort Story)
0:58 The Math You Didn’t Run (30 Years)
1:11 HOA Fees Don’t Stay Flat (3% Growth)
1:28 The Real Total: $175,000 (Not $108K)
1:41 The Hidden Cost: $360,000 Invested
1:57 The True Cost: “Half a Million”
2:16 Sarah’s Story (Special Assessment Shock)
2:36 $8,500 Due in 90 Days (No Opt-Out)
2:58 Why Buyers Walk Away (Resale Trap)
3:16 “But I Don’t Want Lawn Work…”
3:36 Paying Twice (Fees + Assessments)
3:52 Volunteers Control Huge Money
4:08 Control vs Convenience (The Real Trade)
4:17 The Subscription You Can’t Cancel
4:29 The 25% Surprise Bill Statistic
4:50 The “Meal Subscription” Analogy
5:12 The “Phone Plan” Analogy
5:25 HOA = Silent Partner in Equity
6:23 Questions Before You Buy (Reality Check)


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Disclaimer: This channel features original animated characters and illustrations. All artwork and visuals are original creations used solely for storytelling and educational purposes.