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the first time home buyer advice home buyer 101 lets talk about overdrafts okay so whether you guys are thinking about buying a house now in 10 years I dont care this is something we need to talk about so an overdraft is when you spend more money than whats in your bank account and its not a good thing okay and sometimes people go oh well I have overdraft protection so I just you know if I go over theyll cover it its okay no its not okay guys heres why its because whenever were looking at your loan we have to be able to show ability to repay and part of ability to repay is that youre managing your money properly okay and sometimes what Ill see is Ill see that like you know people get excited about buying house Im excited about it every day I love it right and so what theyll do is theyll upload every single account they have do not do this okay if you guys have an account where like maybe its just an account that you keep some money in but you dont really pay attentio