If you’re in the wealth accumulation phase of your life, I think buying a home is a terrible decision (in most cases). Prove me wrong. Seriously. I’m not being rhetorical. I want to see if there’s math that says otherwise.
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Yes. Not average. But I’m saying to pick and choose your shots. I think many can make more $$$ with their down payment money.
I’m ok being average at buying my home because I’m super not average at investing in my biz. But it seems even average stuff like stocks would be better than averaging home
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3-5% appreciation + debt pay down + imputed rent + tax shield on interest and option value for future rental cash flows will get you past nominal s&p
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But I see a strong argument for never having more than 20% equity in the place in this rate environment
End of conversation
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You are assuming stocks only go up and have no such thing as a prolonged bear market ever
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