Buying a home is a rite of passage in America, one that 90% of us will make at some point in our lives, according to estimates from Freddie Mac. In recent years, a lot of Americans bought homes that were simply too expensive, and many people still feel entitled to spend more than they should. But few things are more stressful than owning a home you can barely afford. How can you make sure to avoid that fate? Personal finance expert Lauren Lyons Cole breaks down what you need to know. For example, did you know a home you're purchasing should be between three and four times your annual salary? Get more quick tips in the video above.