I don't really see putting your money in an index fund as "gambling" more than buying investment properties Individual stock picking absolutely is gambling though
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The reality is that the stock market has shown consistent growth above inflation over the long term while it's existed and the housing market actually hasn't, it's flat Housing as a whole doesn't get more profitable/valuable over time at all
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Picking a neighborhood/house that will show significant appreciation until the time you're ready to move out is certainly possible but it's gambling just like picking stocks And your own personal life strongly affects that gamble (being forced to move too early)
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I am neither a boomer, nor an empty-nester. Just observing that sweeping generalizations might be something to avoid without data one way or another, and sharing my personal anecdata.
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