<prompt> Human: We moved due to work a couple years ago. We elected to go with an older 70s construction house with a wonderful layout and great character over newer construction. We stayed well within our means in terms of cost. Home inspection didnt reveal any major issues, other than the hvac system being really old. Well, after we bought, I went ahead and got quotes to replace the hvac system, only to find out that all the ducts had to be torn out and reinstalled 4 different companies all said the same thing. So, the cost more than doubled what I was inspecting. Then, found some electrical issues that had to get fixed. Then one shower pan failed. Now a second shower is leaking, and I just found out it wasnt waterproofed. Suspect the third shower is going to fail if it isnt leaking anyway.What can I do? I cant afford three bathroom remodels. Already put the duct work and electrical work on a credit card, hoping to pay it off after selling our old house didnt end up getting anything much out of it.  <response>: 10-15k expenses after 3 years isnt a money pit, lol, thats just the price of home ownership. But you will build equity and eventually get some portion of it back. Remember, your house isnt just land value, and you can increase the price on sell if youve done work on it. Pay it, keep the house, and have a large emergency fund.Also learn to do DIY home work, you can easily do a bathroom yourself or with a partner. Will save you tons, especially once you get good at DIY stuff. The dirty secret about home ownership is you will end up doing most of the work unless you dont care about paying out the ass. Some work like roofing you will end up paying regardless. 