I just got a DIY kit quote for solar and it’s ~$18,000. That would mean a contractor installing is at least $25,000 if not more. That’s a big chunk of change upfront.
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I bought a smaller house than I could afford in 2018. I could realistically afford around $1.1m but instead bought a $850k house. We just save the rest of the money for investing instead of what would have gone into a mortgage.
Some people are wealthy, some people are frugal, some people are house poor and finance everything is how people afford solar.