🌟Home Buying Struggles? My Slightly Crazy Home Buying Plan — And Why It Might Work
There is a big struggle with younger people, single people with 1 income, people starting over, and many first time home buyers wanting to buy a home… This is for YOU! If you know people in this position, send this to them.
What If You Could Buy a Home in Cash? Here’s the Plan I’m Putting to the Test.
Not as financial advice (because lawyers exist, and I’m not trying to fight one).
The cost of living is so high these days, so I believe this is my solution to navigate these insane times and high prices. I am hoping this gives the younger ones, or people starting over a new outlook and path to home ownership and stability. I know it sounds insane, but hear me out.
Owning a home is a wonderful part of our life. It just feels different when you own your own home, you get to make it your sanctuary and at the same time, time has shown it is also an investment. Living in someone else’s home, you don’t.
The Thesis: How I’m Trying to Turn $10,000 Into a buying a home + $1 Million Left to Grow
Alright… here it is. My wild, ambitious, slightly nerdy thesis that I have been working on like a scientist who replaced the lab coat with fuzzy slippers and a cup of coffee. The home buying mad women.
Ready?
If you invest $10,000 and double it eight times, you end up with $2,560,000.
Double it nine times? $5,120,000.
Yes. Really.
No lottery ticket required.
No billionaire uncle needed.
Just math, patience, strategy, and a little bit of “I refuse to let life be boring.”
And I’m trying to prove it.
Not as financial advice (because lawyers exist, and I’m not trying to fight one).
But as an experiment — something I’m doing for me, and something that might just inspire you.
Here… Example of a goal
10,000 Doubled 8X $2,560,000
Starting in May with 10,000 around Nov 1st 2024
1X Done🎉🎉🎉10,000 x 2 = 20,000
2X Done🎉🎉🎉20,000 X 2 = 40,000.
Done🎉🎉🎉, From 0, now 1/4 of the in about 6 month
————————————–
Next Goal to 1/2 way for 2025
3X Done🎉🎉🎉40,000 X 2 = 80,000 5/13/25
7/10 8025 share count
Done 🎉🎉🎉1/2 way 4X = 120,000
10/6/2025
4X 80,000 x 2 = 160,000
Half way there!
————————————–
1/2 way to 5x = 240,000
5X 160,000 X 2 = 320,000
1/2 way 6X = 480,000
6X 320,000 X 2 = 640,000
3/4 of the way there
————————————–
2027 –
1/2 way 7X = 960,000
7x 640,000 X 2 = 1,280,000…..
7 1/2x Midway 1,920,000…. …..
————————————
Final Stretch in 2028
8x 1,280,000 X 2 = 2,560,000.
WOW… Congratulations
You did it $2,560,000!!!
📈 Where It Started
I began in May 2024 with a simple goal:
Grow my money.
Grow it enough to buy a home in cash.
Then still keep $1 million invested so it keeps growing.
Bold? Yes.
Crazy? Maybe.
Possible? I believe so, that’s what I’m trying to find out.
I started by filling my Roth IRA first — safety first, like putting on the seatbelt before hitting the gas — and everything else went into individual stocks.
By November 2024, I reached my first benchmark:
➡️ $10,000 invested.
By the end of 2024, I had made 400%.
Not a typo.
Four. Hundred. Percent.
In 2025, so far, I’m up another 200%.
No, I didn’t do this by buying SPY (though I fully admit SPY is safer, saner, and more widely recommended).
I did it by studying individual companies like an overtime detective with a passion for corporate gossip. I pick companies I think have a good runway to grow, a solid CEO, and fit a need and/or want for world.
Now to be transparent, the goal is to keep adding whenever and however much is possible during these 5 years to help it along.
🔬 My Strategy (AKA: How I Became a Full-Time Research Gremlin)
I invest heavily in the companies I believe in — the ones I’ve researched, followed, admired, stalked (lovingly), and checked on every single day like they’re my houseplants and only I stand between them and certain death.
I watch their news.
I study their moves.
I make sure I still believe in them.
And when I do? I go in with high quantity — because conviction matters.
In one year, I went from $0 knowledge to reaching $120,000.
All because I studied, invested, adjusted, learned, and wasn’t afraid to try.
I’m not saying this path is for everyone.
But I am saying:
I started with no experience. None. Zero. Absolutely clueless.
So if you’re younger than I am?
YOU have even more time. More runway. More power behind your compounding years.
And that is the secret the wealthy already know:
A small amount doubled is tiny.
A big amount doubled is life-changing.
$10,000 → $20,000
Okay, cute.
But $1,000,000 → $2,000,000?
That’s how the world’s richest people stay rich while barely moving their eyebrows.
🧡 My Home Buying Goal (And Why You Should Care)
My goal is to double my money eight times in about five years.
Can I do it?
Honestly… time will tell.
But I believe I can.
And I’m going to try.
Because if I reach this goal, I’ll have:
🏡 Enough to buy a home in cash
💰 $1,000,000 left invested to keep growing
🧘♀️ Freedom from mortgage stress forever
🪴 And peace of mind that no matter what happens — I’m okay
It would mean choices.
It would mean security.
It would mean never being house poor.
It would mean living life on your terms.
And that’s what I want for you, too.
Can I Turn 10K Into a Mortgage-Free Life? Let’s Find Out Together.
✨ Why This Matters — Especially If You’re Younger
Buying a home when home affordability is getting so out of reach for many, there needs to be a shift on how to achieve it.
I didn’t know anything about the stock market when I started.
But I learned. I researched. I studied trends, patterns, companies, leadership, competition — and I made real progress.
Younger people?
You have time on your side.
You have compounding.
You have the runway to grow your money in ways most people never even try.
There’s a reason wealthy families invest early and often.
There’s a reason “the rich get richer.”
It’s not magic.
It’s math.
It’s time.
It’s discipline.
It’s knowledge.
And yes — California is expensive.
Ridiculously, unreasonably, “are-you-serious?” expensive.
But if someone starts in a city where homes cost less?
Or invests earlier?
Or builds knowledge now?
They can get ahead even faster.
❤️ The Real Point – Being Able to Buy a Home and Be Financially Secure
I’m not here to sell you a house you can’t afford.
I’m not here to sell you anything at all.
I want to show you possibility — the kind nobody explained to me when I was younger.
If I can do this, starting from zero, learning as I go, and making mistakes along the way…
then maybe you can too.
And if you want, I’ll keep you updated on my progress — the wins, the losses, the late-night “why did I buy that?” moments, and everything in between.
This is an experiment.
A journey.
A thesis.
A dream.
But if it works?
It could change everything.
And I want you right there with me.
Why buy a home and leave a million in investments?
I would not want to pay cash for home and have nothing left. The first million is the hardest. I can grow wealth faster if I leave enough to keep growing. Because the more you have, the more you can keep growing for bigger dreams and/or a great safety net. If you run into problems, your home is paid off, and you have money to survive the basics in life. That is financial freedom.
This is Important place to pause, let’s talk about why!
The first million is the hardest. Don’t throw it out because you want a home. Remember that important detail $10,000 x 2 = $20,000, while $1,000,000 x 2 = $2,000,000. Compounding matters.
So, it would be wiser to be moving towards the comfort of financial freedom, it would be to wait a little longer and use what is over a million. Doesn’t mean you need to wait until you have all cash to buy your home.
What I would suggest is find a comfortable payment that doesn’t stretch you beyond your limits. Find a home that you are willing to start with. Figure out what down payment on that home price to get you to that comfortable payment. Let’s take a down payment of $200,000 as an example. For me, I would prefer to wait until I had $200,000 over the million and then buy. If you manage to be in the range of what the S & P of 20%, it would only take you another year to make $200,000.
Why wait? If you have ever been in the position that you are so broke, everything is a struggle. This is safety net, to hopefully prevent that from happening again, it is not a fun or comfortable place to be.
That million can keep growing your money at faster rate, giving the comfort you have something to rely on, should you fall on hard times. You can do it anyway you want, but from my perspective, this puts you in a much more powerful and financially sound position for your life!
Rich people are not necessarily smarter than you, many just made different choices that served them better financially. It does take research to choose wisely, that time will pay for itself, often much better than your everyday job. Those are my thoughts. How you do it, what is important to you, do it your way, you are the wonderful creator of your life.
The Obstacle is The Way
The one thing I have learned in life, if you have no hope, life becomes nothing but frustrating challenges. I much prefer fun and/or interesting challenges. The younger generation and people having to start over are losing hope. I think it just means shifting your mindset and ways to approach problems you face to overcome the obstacle.
Hi, I’m Dianne Hicks — a former business software analyst and programmer who traded writing and debugging code, for helping people build real wealth through homeownership. I’ve been a real estate agent for 17 years, and I truly believe owning a home (and investing wisely) can change your life.
My goal?
To help you start — or restart — your journey toward stability, confidence, and financial freedom.
I love breaking down the complicated stuff, translating real estate into plain English, and making the process feel a whole lot less intimidating (and maybe even fun).
If you want a knowledgeable guide who actually listens, speaks human, and loves helping people win… I’m your person.
Email: OCpropertysisters.com
Phone: (949) 441-9091
Website: https://ocpropertysisters.com
Thanks for stopping by, I hope you subscribe and please let me know if there is a topic you would like me to write about. 🙂
If you got this far, I do like to add quotes that resonate with me at the time. So, I think this one is powerful in today’s times. I hate lies, but it feels impossible to stop them these days, sooo, here is a quote I love.
“Let evil, let untruth come into to the world, But Not Through Me.”
~Ryan Holiday
