Please be advised this column is for entertainment purposes only. Any similarity to actual persons living or dead is purely coincidental.

Dear Dr. Fil,

Okay so… my mom has been obsessed with you forever. Like, recording episodes, quoting you, the whole thing. So I guess it’s my turn now!

I live in NYC with my boyfriend, and we’ve been talking about moving to Rochester because it’s way more affordable. He keeps saying this is “our chance” to finally buy something and have something that is “OURS”. He is familiar with the area coz he went to school at RIT. Great town etc! I am excited to start a new chapter with him.

But here’s where I’m stuck.

His credit score is bad. He doesn’t have savings. I work remotely so my job is safe but he would have to quit and go job hutting there.

Realistically, I’d be the one putting most (if not all) of the money down. He keeps saying it’s fine because the prices are lower there, and we would have more time to spend with each other. And I want to believe that.

But something in me feels… off. He says I’m dramatic and that we will “figure it out”.

So now I’m stuck wondering— am I overthinking this? Is this a great opportunity?

I’m kinda lost in the Sauce…

—In Love, In Doubt, and In Debt?

Dr Fil is now LIVE!

Chat about Real Estate Anytime. Please be advised this is not meant to substitute a Licensed Real Estate Agent. We’re currently testing this feature.

If you need Real Advice you can always reply directly to this email and we can find the right match together.

Dear in Love etc,

Say Hi to mom! I hardly believe that to be possible since I am the youngest person ever…

Let’s get into it:

Please DO OVERTHINK THIS! You’re finally paying attention to reality.

“Affordable” is not an automatic green light. It’s a lower entry fee. If the structure is wrong, cheaper just means you can get into the wrong deal faster.

If shit hits the fan (which always does), you can be stuck in a city you didn’t choose, in a home you didn’t want, with a mortgage you didn’t ask for.

Been there. Done that!

You’re not moving to Rochester for a fresh start. You’re moving your current dynamic to a different zip code.

Let’s do the math:

If your credit qualifies, your savings funds the deal, and your name carries the loan—you are not “buying a house together.” It’s not “OURS”.

You are buying it. He is enjoying it.

And that’s fine, if you treat it like what it is.

Where people get hurt is pretending a financial imbalance is a romantic partnership. It’s what people that really love each other do!

It’s not. It’s a liability.

You don’t need a man to make a smart real estate decision. You need clarity, structure, and the discipline to protect yourself. You need a Real Estate Agent, an attorney and Jesus.

So if you move forward, do it correctly. Mortgage in your name. Title in your name. Paper over Promises—every time.

If he contributes, it’s either rent or a written agreement reviewed by someone who does this for a living. Not a conversation. Not a vibe. Not a hope and not a dream. Mortgage comes collecting every month and it will not be paid in a “shared vision”.

And here’s the part you’re actually asking: if setting boundaries changes the relationship, the relationship was already depending on you carrying more than your share.

A man who’s truly ready will not only respect structure, he will demand it. If your partner really was “Ready for Real Estate” he would be contacting professionals, working on savings, credit scores and securing a job before moving.

A man who isn’t will call it unfair, dramatic, crazy or overthinking. That tells you everything you need to know.

Love isn’t blind. And it isn’t deaf. And it isn’t lazy. And it isn’t broke.

Rochester isn’t “the opportunity.” The opportunity is this moment—where you decide whether you’re building a future together or if he is looking for a mom with perkier boobs.

Buying a house requires maturity, and a grown up attitude to go along with it.

You need goals, plans of action and people you can trust.

Moving to Rochester may be the greatest decision you make in your life. I would love for that to be one you don’t regret.

Dr. Fil’s Prescription:
If it’s your money, your credit, and your risk—ITS YOUR HOUSE.

Build that House on a Roc.
Dr. Fil

Coming Soon…

Regina learns the ABC - Always be Closing!

Also Available in Spanish and Portuguese

Coming Soon…

The Agent- A Series

Giving up her acting dreams for a career in Real Estate, a failed actress reaches fame and fortune by playing herself as a realtor. 

Available Now…

The Dream Catcher System is ready for you! From Zero to Hero - in 9 steps !

MeeTV is Now Playing:

How to Make it in America: Visual Diary

Coming Soon…

House.Roc Magazine is Real Estate for Millennials: 5th Edition coming soon

Last Tuesday, marketing asked Viktor to write the weekly campaign recap, pull performance from Google Ads and Meta, and format it as a PDF for the exec team. Done in four minutes.

That same afternoon, engineering asked Viktor to review three open pull requests on GitHub, cross-reference with the Linear sprint board, and flag anything blocking the release. Posted to private channel before standup.

At 9pm, ops asked Viktor to draft a vendor contract summary from three Notion docs and send it to the team. It was in #ops by morning.

None of them knew the others were using it.

Same colleague. Three departments. That's what changes when your AI coworker lives in Slack, where your whole company already works. It's not a tool one person logs into. It's a teammate everyone messages.

5,700+ teams. SOC 2 certified. Your data never trains models.

"Viktor is now an integral team member, and after weeks of use we still feel we haven't uncovered the full potential." - Patrick O'Doherty, Director, Yarra Web

Start free. $100 in credits →

The room you want to be in. This is where CX leaders are tackling the hard AI questions and sharing what's actually working. For CX and ecommerce leaders. Atlanta, May 4–6. Space is limited — secure your spot now.

Register now