<prompt> Human: Hello chaps,Noob here. Thinking of purchasing my first home primarily as an investment opportunity why pay a landlord when I can basically pay myself when I resell. I am confused as to why the rule of thumb is never exceed more than 30 of your nett salary for mortgage repayments. Based on my spending habits, I could easily go up to 50 and still have some cash to save I have 0 debt. Am I missing something?Thank you  <response>: Its a guideline, not a rule. And its of gross income, not net income. After taxes, 30-ish of gross is about 50-ish of net. 