Analysis paralysis and frustration about rising rates
Recently I've started searching more seriously for a home of my own, and I've noticed that it's causing me quite a bit of stress. I'm a big overthinker by nature, which has probably kept me from buying anything in recent years. Because I still live with my parents, I've been able to save a lot. With today's interest rates, though, I feel like that extra saving has been cancelled out by the rise in rates. I didn't invest all of those savings in ETF's and left a bigger sum in a savings account, so inflation has also eroded their value somewhat.
I also recently received a gift from my grandparents. Together with my savings, I have about 160k of my own funds to put in. I fully understand that this is a luxurious position.
But how do you all deal with the decision stress that comes with this process? I also notice that I really regret not buying sooner, and that I'm now literally paying a high price for it.
Posted Sep 23, 2026, 8:26 AM UTC