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The result of decades of propaganda

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…is this:

“About 84% of the respondents…said owning makes more sense than renting, consistent with earlier surveys.”

The push for Americans to own real estate has been so systematic, so deeply embedded, so endorsed (by multiple presidents and the duplicitous NAR) that no matter what counter-evidence is presented, a majority of Americans will always believe real estate is the best investment they can make. It is an invisible script, perhaps the most sacred financial cow of all.

Real estate can be a worthwhile investment. But not nearly as often as you think.

I’ve put together a comprehensive rebuttal on my Buying a House page.

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Laszlo
Laszlo
5 years 9 months ago

If you’re shopping for your dream house, it’s almost always a bad investment.

Meg
Meg
5 years 9 months ago

Saving to buy a house is LAST on our list of financial goals, after fully funding an emergency fun for one year, paying off student loans, maxxing our two 401ks and Roth IRAs every year. I don’t know if we will ever end up owning property, and I’m fine with that.

It amazed me how many people started telling us to look for a house after we got married. It’s like apartments are toxic to newlyweds or something.

K00kyKelly
5 years 9 months ago

Speaking of totally insane…
One of my parent’s financial goals was to help my brother and I with a downpayment on a house. I’m not interested in buying a house anytime soon and my parents are flipping out.

I’m worried that they will buy a house for me. Seriously. They may or may not actually be capable of buying another house… certainly not without some “creative” financing and me making the mortgage payments.

Stanley Lee
5 years 9 months ago

Not owning properly doesn’t just save property management headaches (if you own it to rent it out), it also doesn’t handcuff your ability to relocate for whatever reason. Paul Graham mentioned about how a lot of consumption are phrased as “investments” by a particular group (in this case, I presume builders and real estate agents): http://www.paulgraham.com/selfindulgence.html

I’m not interested in purchasing a house b/c of the headaches. Many people are being owned by the house rather than the other way around in terms of actual feelings that they don’t want to admit (to avoid embarrassment or ridicule).

Stanley Lee
5 years 9 months ago

Ooops. I meant “not owning property” instead of “not owning properly”

Marie
Marie
5 years 9 months ago

Totally agree! I’ve been married a year and a half and my parents and some coworkers keep hounding me about when I’m going to buy a place. It’s like they don’t think newlyweds can live in apartments. With mortgage, insurance, property taxes and HOA fees, my monthly housing bill would be over twice as much as my current rent. It makes me sick to think how much of my monthly take home pay would go to housing.

Matt
Matt
5 years 9 months ago

It’s no wonder. Government bends over backwards to get people to buy homes. Why? Well, who owns your mortgage? The banks. Who is Congress craven to? The banks.

Matt
5 years 9 months ago
I’m a two-time loser in home ownership. Meanwhile, in the three months since I became a renter, my family and I have: used the pool and/or jacuzzi just steps from our apartment at least once per week, didn’t pay a dime when the A/C went kaput and I had it fixed within hours, haven’t touched a lawn mower (but made $50 after I sold the one we had) because our complex has weekly mowing/edging/lawn maintenance service, and built up an emergency fund which curiously didn’t exist when we were “homeowners”. The realty industry is an albatross on American society. But… Read more »
Kyle Meyer
5 years 9 months ago

And you’ve made nothing in principal, instead contributing to either the mortgage of the management company or directly to their bank accounts.

While home ownership is only right in particular circumstances, it is ignorant to ignore the pros and cons of both sides.

JD
JD
5 years 9 months ago
Anyone live in Vancouver? Some of the most over-priced real estate on Earth. (google crackhouse or mansion). Owning is well over double the cost of renting in many cases. Yet everyone here thinks renters are idiots even though most of us are. I live in an apartment downtown so I don’t have a car (saves a few grand a year). My apartment has a gym, full-length pool, theatre (like those you see in mansions), a party room I can book, a billiard table, and a 24-h concierge. I’m not throwing my money away, I’m living a great life! You’d have… Read more »
KaseyS
5 years 9 months ago

Owning your own home isn’t everything it’s cracked up to be. You can definitely make bad decisions when it comes to a mortgage. But it’s not always the wrong decision or the right one.

At least with a mortgage – you could potentially get at least some of that money back when you sell your home. The money you pay in rent is gone forever.

Every situation is different. I think your Buying a House Guide has a lot of solid advice to help people make the right decision.

DanP
DanP
5 years 9 months ago
I’m so glad you wrote that! I cant stand it when people say “buying a home is always a great idea” or “buying a house is the worst idea ever” In reality, it’s about finding the right fit for the right person. Maybe it is a great investment, but maybe it shouldnt be thought of as an investment. Maybe somebody with a family wants to buy a house for the stability or the sense of community. But buying a house for the sole reason that you think the prices will go up is kind of a crazy reason to buy… Read more »
A J
A J
5 years 9 months ago
I’m a former member of the 84% referred to above. In 2003, I bought a 3 bedroom townhome for $134K (just before the prices soared). Then, the bottom fell out, and now my home is worth less than $70K. One unit under foreclosure was short-saled at $50K! Yikes! Talk about a lousy investment. It was all about prestige. I wanted to say that I own MY OWN home. I used to think that my coworkers who rented were idiots. I mean, why rent if you could OWN? Owning has made me about $20,000 poorer, given that I’ve had to replace:… Read more »
DanP
DanP
5 years 9 months ago

“my stock porfolio just went down 20%, i’m selling them all and never buying again”

I bet that doesnt sound too logical to too many…that’s what u said about owning a home.

Ren
Ren
5 years 9 months ago
I bought my first house at 23 and never looked back. In my second now, for a good long time. No, I’d never recommend it for an investment, but for me, I wanted the grounded stability that having a house brings. You know you aren’t going anywhere if you’re not renting, and I needed that after a childhood of moving. It has its ups and downs, and it’s not for everyone. Seems to me the ideal of property ownership goes all the way back to our country’s roots, possibly longer. Has nothing to do with banks or government, but a… Read more »
Julie
Julie
5 years 9 months ago

I bet you don’t live in NYC, though.

There are some places where houses are relatively cheap. I assume you are in one of those places.

Ren
Ren
5 years 9 months ago

You’re right, Julie, I’m nowhere near NYC! I live outside the Chicago area where a lot of housing is pretty cheap. Rent would cost about the same as my mortgage, though renting would be cheaper, what with maintenance an’ all.

I do not envy those who live in high cost of living areas.

Chris
Chris
5 years 9 months ago

I’m amazed that every time a friend or family member gets married, talk about getting a house begins. Apparently the stress of planning a marriage and honeymoon just aren’t enough challenge. The only house I ever want to buy is the one I have built to my exacting specifications, die in and leave to my family for generations. I also want it to have a dedicated library room and the ability to defend against a zombie apocalypse. I refuse to buy a house that doesn’t meet these standards. Don’t judge me. There is no one who DOESN’T want that house.

cc
cc
5 years 9 months ago

engaged over here, and my future mother-in-law has already started prodding us about a house. say what?! we are such happy renting campers. 1, love nyc and it’s all rentals here anyway, 2, should my love change we can leave no prob, 3, don’t want to be stuck in one place forever 🙁

S
S
5 years 9 months ago

Totally agreed, Ramit. I live out in the SF Bay Area, where a starter condo can run you $450K (not including taxes, etc.) if you don’t want to live in a neighborhood where the police stop by every other evening (those houses start at $300K).

Sunil from The Extra Money Blog
agreed completely – it is a bunch of horse sh%#*$t however, i do own several rental properties across the country and have done well with them. my approach is value investing, not speculative, therefore appreciation is merely icing on the cake for me. i like the parlaying effect (paying off one and using additional proceeds to pay off another and rolling the ball onward). tax benefits are also relatively significant if run as a business, which i do. finally, for a newbie, one can leverage money further. for example, with stocks you can invest at a 50% margin, with real… Read more »
TimK
TimK
5 years 9 months ago
I disagree to an extent. I think buying a house just to own it is not a great financial decision especially when people try to max out the house that they can afford. However, I previously lived in an area (Cincinnati) and now live in Greenville SC where there is a major disparity between a mortgage payment and the cost of rent. I bought a house and am now renting it out making postive cash flow (after principal/interest/prop mngt fee/etc) of about $250/mo. The disparity is even higher where I’m at now. Obviously there are more risks involved, but in… Read more »
David W
David W
5 years 9 months ago

I think its more of people deciding whats right for themselves. I have owned a home in a decent area for about 5 years. As far as repairs go I am handy so I fix anything that pops up. It also depends on the area you live in. Ramit, lives in NY and SF which are terrible places to buy unless you are much better off than most people in the US.

Michelle Shain
5 years 9 months ago
I own a home but I’m in my 30’s with kids and a dog. It does make more sense than renting for me because I have no intention of moving for at least 18+ years. Do I think it’s a good investment? Not really. I didn’t buy it as an investment. I bought it as a home. I would never recommend buying a house as an investment to anyone, especially a young married couple. When you’re younger and you don’t have anyone to provide for, why tie yourself down with the financial burden of a huge mortgage? Save your money,… Read more »
Scott
Scott
5 years 9 months ago
Amen, Ramit! Question: I’m with you 100 percent on this, but my fiancee’ thinks I’m completely heartless for not wanting to buy. She views buying as a very emotional and family-oriented decision (place to raise kids, put down roots, etc) and my very logical financial arguments are completely lost on her–despite the fact that she works in financial services and should know better. Suggestions for how to deal with this? Should I just roll with it as a deliberate consumption decision (a la your “my consumption is better than yours” posts)? Or do you have something in your bag of… Read more »
K00kyKelly
5 years 9 months ago
First off you and your fiance are talking apples are oranges here. You’re talking about money and she’s talking about hopes and dreams. How can you put a price on her hopes and dreams? One thing that might help get you two on the same page is to turn the consequences of the numbers into real scenarios. For example: If we buy a home we can’t save as much for retirement and our kids might end up taking care of us in our old age – don’t want to put that burden on them. Or if we save like crazy… Read more »
Dave C
5 years 9 months ago
Marie said: “With mortgage, insurance, property taxes and HOA fees, my monthly housing bill would be over twice as much as my current rent.” — Then you would have made a lousy choice in buying. Two years ago, I was renting a nice one bedroom, one bath, one car garage apartment, just steps away from the pool, spa and exercise room and I was paying $850 a month for that place. I wasn’t the top of the Ritz and it wasn’t the ghetto either. Now, flash forward to today. My girlfriend and I bought a home last year (June 09)… Read more »
Dave C
5 years 9 months ago

Actually Ramit, it’s the “I don’t want to have to take care of a house” mentality that I’m reading in their comments that tells me a lot. These are the people that need someone to take care of their homes for them, be it an apartment or a house.

Jeremy Freelove
5 years 9 months ago
“…real estate’s post-inflation return has been close to 0% over the last 100+ years (see Robert Shiller), while equities have risen dramatically…” Not a good comparison. First, the risk profile is completely different; You don’t compare the high returns of stocks to the low returns of bonds and conclude that you should never buy bonds. The return needs to be measured against the variation around those returns. Second, Shiller’s quote, I believe, is based only on the price of the houses, and does not measure the value received from actually living in them. This is akin to only measuring stock… Read more »
Wade
Wade
5 years 9 months ago
Ramit, You are so right; I have made the worst investment of my money. Please compute how bad of a mistake I made. I purchased a house in 2008 for $145,000. The neighboring homes were selling for $180,000 (it’s a condo so they are all identical) however I was able to negotiate a lower price as the HOA was suing the former builder and the bank was motivated to sell due to uncertainty in the market (everything was collapsing their world was on fire). I used private financing at 100% of cost and paid 9% interest only for 6 months.… Read more »
Wade
Wade
5 years 9 months ago
Ramit, Thanks for your response. I just get the impression from reader’s comments and your comment – “Actually pretty different…real estate’s post-inflation return has been close to 0% over the last 100+ years (see Robert Shiller), while equities have risen dramatically. I cover the details in my book.” – that real estate is the worst (or inferior) investment you can make. I have tracked DOW vs Average Sales Price over the last 50 years starting and ending during stable periods and they are almost identical at 6.7% in value appreciation. However there are a few differences, yes you have maintenance/taxes/ownership… Read more »
Joe M
Joe M
5 years 9 months ago
The comments seemed to be mixed between investment properties and homes. Investment property should be treated like any other investment – the goal is to maximize return for the risk level of the investment. Your home is where you live. Whether you rent it or buy it with a mortgage, remember, it is where you live, not your retirement fund. I bought my fourth house six years ago and paid off the mortgage this year. I don’t count it when I total my net worth – remember, its where I live, not my portfolio. With the mortgage paid, the cash… Read more »
Grant
Grant
5 years 9 months ago
I think a big thing here that people forget to point out is owning a home is a LUXURY. It is not a right or requirement… it is an expensive luxury. I spent all my 20s in very lucky rental scenarios: cheap, quiet, spacious. Yet I still plan to buy a home next year. Why? Because despite my luck when renting, I’m tired of hearing my neighbors two or three times a day even if they aren’t especially loud. I’m tired of worrying when I hang a picture, or having my landlord ask me about the towel rack I put… Read more »
TMS
TMS
5 years 9 months ago
Around here a decent one bedroom apartment with a garage runs $800+ a month easy. Plus utilities. We pay a mortgage on a 10 year old house, 1,900 square feet backed up to a 150 acre nature preserve. Two car attached garage, three bedrooms, three baths, fireplace, finished basement, vaulted ceilings, southwest facing deck – the whole schmear. 15 year fixed mortgage is $880 a month, plus another $300 a month for property taxes. We pool with the 4 other neighbors on our little street for snow removal and lawn care. Cost – $80 a month per house. No mower,… Read more »
Mike
Mike
5 years 9 months ago
Buying Vs Renting this is always more than just about money. People are not just choosing to be homeowners to make investment and flip it, maybe its the different quality of living that attracts them, or their own personal space or what ever non-monetary reasons they have for doing it. But it is an investment and not everyone is going to make good choices, just like 401k and maxing out will add to your savings sure, but life is uncertain and and its time to go from saving 401k to spending the 401k, you better hope the market is right,… Read more »
Sandy @ yesiamcheap
5 years 9 months ago
I own a home that I paid cash for. I don’t live in it, but my tenant does. I calculate break even at about 3.5 years assuming nothing major breaks and an 80% occupancy rate. For me it’s been worthwhile. After 4 years I will have recouped my investment and will continue to make money. i will only ever buy a home that I can pay cash for. What they means for me is that I can’t afford a home in New York City where I live, and whatever home I purchase will be tiny, but it’s my little plot… Read more »
NYGUY
NYGUY
5 years 9 months ago
I have been a renter, as I get a nice one bedroom for me and my GF in a very nice complex, we get a pool and just pay the rent, which covers our heat bill, we’re just responsible for cable and electric. I have been pushing for us to stay here through the future with getting engaged, married, and having our first child. My logic is that I can continue to save and living in a nice place in the time being and what’s the point of a home for just the two of us. I can’t understand having… Read more »
Matthew Peters
Matthew Peters
5 years 9 months ago
I didn’t realize the percentage of my income that would be going towards paying the mortgage interest and property taxes every month until months after we moved into our house. We were pretty naive when we purchased our first house and thought that as the local advertisement says, “Why rent when you can own at the same price?” It’s totally bogus! We looked at the price of the house, but not the costs. There are so many more costs associated with owning a home; so many unknowns, so many possibilities of major surprise expenses (roof, furnace, air conditioning, basement moisture… Read more »
Lizzie
Lizzie
5 years 9 months ago
I will have to look into your book. I wonder how it compares and contrasts with the books by Dan Cavalli that I am currently reading. For my part, I am past an age where I believe a house could be anything but trouble. We have lived in apartments all of our married lives and through the children growing up. I find that my rent is far less than a mortgage could ever be, letting me have a stronger ability to save for retirement. Our youngest daughter is always after us to buy a home, but at 41 with a… Read more »
Sonia
Sonia
5 years 9 months ago
I totally agree. I’m 38 and live in an appartment. Having a house would make gardening easier, but still manage to have a nice balcony garden. I also managed to find room to reorganize everything when my employer asked me to work from home. While I miss the “privacy” of a house – ie, not having strangers put your clean laundry in your basket because you’re a minute late getting it; I do native drumming and chanting, if you’ve ever done it, you know it’s not easy to do it quietly, especially with my kick-ass drum – I know renting… Read more »
Moo
Moo
5 years 9 months ago
Well, I don’t think this would be balanced without my slightly differing opinion. I’ve been both renter and owner, and heard the “arguments” for both sides. If my opinion matters, I prefer being an owner. I have a couple plots of land (suburban lots where houses used to stand) where I grow crops to eat, a rental property (with a good property manager and a darling of a tenant- it’s all in the screening process), and the little bungalow I live in. I’ve resisted a few scripts, such as “more is better” (it’s 700 square feet, no garage, no basement),… Read more »
Sonia
Sonia
5 years 9 months ago

I do want to own a house some day,for the reasons you mentionned and more. It would just ver very unwise for me to do it at the moment. The key is to buy a house for the right reasons and when you can truly afford it. Sometimes, renting IS the best financial option. In the consumer world we live in, there are a lot of lemmings running to jump off that house-buying cliff. Ramit’s post was, in my opinion, to point out another purchase a lot of people make without really thinking.

Susan Oliver
Susan Oliver
5 years 9 months ago
America’s landlords have made renting in the US quite a different proposition to what people experience in other, non-house-owning-crazy countries. The most typical rental contract in the US prohibits pets, painting, and other forms of personalizing one’s home. If pets are permitted then it’s only cats or very small dogs. I bought my house in 2004, not as an investment, but as a home. I have a fenced backyard where I can raise chickens, let my dogs run free, grow veggies, and light a fire. There’s a wall over there I’m planning on knocking out one day. None of this… Read more »
Juliana
Juliana
5 years 9 months ago
I’m late to the conversation, but I think there are two rationales behind home-ownership, and only one of them is money (the other is emotional). On the money side, whether or not your house becomes a good investment is the result of a certain amount of luck. Things change over time that you have no control over: the profile of a city can change dramatically, the economy can tank, or your style of house can come back into fashion and raise the demand for it. An owner can end up with a great investment or an albatross even if they… Read more »
Melissa
Melissa
5 years 9 months ago
Ramit – As you note in your response to some of the comments, buying a house is not ALWAYS a bad idea, but is a bad idea when one has not considered the total monthly costs (HOA, taxes, increased utilities, insurance, etc.) and maintenance costs. When I’ve seen you write about real estate, you generally make broad sweeping statements that call your credibility into question, for me, for this particular reader. And reading between the lines, it seems that you are assuming that your readers are generally from NYC or CA, but I imagine many are not. As you say,… Read more »
Kevin
Kevin
5 years 9 months ago
I know this topic is a favorite whipping-horse of renters, and bloggers love it because its certain to stir up a bushel of comments and page hits, but the math is really pretty simple and undeniable. If you move around a lot, or live in a region with a wide discrepancy between rental rates and housing prices, then it makes sense to rent. Otherwise (and this applies to the majority of people), over the long term, it makes better financial sense to own. Renting is throwing money out the window. So is paying interest to a bank, but eventually, the… Read more »
Kevin
Kevin
5 years 9 months ago
@Matt: “It’s no wonder. Government bends over backwards to get people to buy homes. Why? Well, who owns your mortgage? The banks. Who is Congress craven to? The banks.” Wow, Matt, that’s really insightful. I can’t believe I’d never realized that before. You’re absolutely right! That must be why Congress has so steadfastly refused to pass any kind of credit and banking reform legislation at all, even though the public have been crying out for it. Oh… wait a second … they’ve just spent the past 2 years passing a series of the most sweeping and restrictive banking reform legislation… Read more »
Eric
5 years 9 months ago
I’m not sure how you don’t “Get” this, but for most people, buying a house isn’t about ROI. I’m about $20k upside down on my house right now, but I wouldn’t trade it for the world. Show me an apartment or townhouse with a heated three stall garage where I can work on my race car at 1am without anyone bothering me. There is so much more to this argument than just money and investment. Buying vs. Renting isn’t black and white, it should be based on your personal needs. I’m frankly a little sick of financial blogs telling me… Read more »
ilir
ilir
5 years 9 months ago

When I finished school nine years ago I bought my first townhouse & lived with a few roommates (their rent covered my mortgage). Repeated this process three times, and today my rental income exceeds the income from my modest government job. I can “retire” from my day job if I want. I would never be in this position without real estate… So yep, Real Estate sucks. Keep telling people that. 🙂

Joni
5 years 9 months ago

“Rich Americans Ditch Home Ownership For Renting”
http://www.cnbc.com/id/40260336

Another article for the sceptics dated as late as today.. a little late considering the ambition to be “first[!] in business worldwide”..

All the best!
-J

Starker Exchange Queen
Starker Exchange Queen
5 years 9 months ago
Ramit, I’ve read your blog and your book. But I ignore anything you say when you open your mouth about real estate. I think that someone (such as yourself) who is not knowledgeable about real estate investment or ROI or cap rates should refrain from having an opinion on the subject until he educates himself. I think that some people don’t actually educate themselves about the purchase before they make it and that’s a mistake–but it’s a mistake to make any purchase or investment without knowing what you’re doing. For many, many people, probably much of your reader base (us… Read more »
shanna
5 years 9 months ago
Ramit, Nice post. At this point in my life and personal stance vis-a-vis money and other issues, I would not own a home again unless my mortgage was considerably less than renting. I bought my first place at 21; I have owned 6 homes since then. A critical distinction to make is that one’s HOME should not be viewed, primarily, as an investment. It’s a home, not a money-making vehicle–it can be, but these days, it’s most often not. I have a lovely tiny home (follow my twitter, posterous, website–and the unconsumption blog on tumblr, where I am a contributor,… Read more »
Rob
Rob
5 years 9 months ago
My one comment: I’ve read a lot of articles stating why owning is often times a horrible investment. Personally, I would say it depends…primarily on how the individual intends to utilize the property. I haven’t see many articles explaining the economics of owning and renting a room out. For example, buying a 2 bed/2 bath condo (or even a duplex) that, after a down payment, has mortgage + association fees of $1500 a month, and renting to a buddy for $750, cutting your own costs down to $750 as well. The point being, the renter can cover a large portion… Read more »
mdanddj
mdanddj
5 years 9 months ago
We own a 4 family in the NYC Metro area. There is upkeep involved, renters to deal with, but all in all we pay about the same as we would to rent a one bedroom (and live in a two bedroom + yard). I am also quite sure that the rental market in the area we are in will not be going down any time soon as the infrastructure gets better and better. This is not for everyone, does require work, but from every angle I have looked at makes great financial sense. I also had a party last night… Read more »
trackback

[…] http://www.iwillteachyoutoberich.com/blog/the-result-of-decades-of-propaganda/ – One of the “invisible scripts” in American society is to be homeowners, even though it’s not financially feasible or rational to do so. – I Will Teach You to be Rich […]

whitx
whitx
5 years 9 months ago
Forgive me for being naive, but if you’re going to be in a home for 5-10 years wouldn’t it make sense to get the tax write-offs? At least that’s a perk that’s not included in renting. If you then factor in two assumptions: 1) that the price of your home will remain constant 2) not looking for a huge cash-out profit when you sell; the equity you’ve built will be returned to you when you sell. If the overall gripe is with the propaganda of ‘having to own your own home to live the American dream’ then I agree. It’s… Read more »
CD
CD
5 years 9 months ago
My husband and I live in NYC, which means we pay a lot of money to rent an apartment. I don’t aspire to purchase an apartment because it seems like a big pain in the butt and I don’t think it is a good investment. HOWEVER – we are so sick of rent going up every year, and being at the mercy of a landlord who determines how much we pay, and moving every few years when our apartment gets too expensive. I am so sick of moving I could just scream. Although I don’t see buying an apartment as… Read more »
George Cano
George Cano
5 years 9 months ago
Hmmm. Love you young people questioning common scripts, but I clearly remember the day in 1964 when I was at my best friend’s house and her parents told me their house cost them $200 a month. It was a nice home in the best neighborhood. They had purchased about eight years earlier. My parents were living in a rental in the worst part of town, a small apartment, for $200. Even at that tender age I could understand how important it is to essentially freeze any expenses you can, especially housing. It’s not an investment. It’s called home. But, I’ve… Read more »
Alex V
Alex V
5 years 8 months ago

Every place is different were i live:
House avg 120-180k = 400-800 dollars month
Rent avg 1000-1500 month

cheaper to purchase even factoring all the work i put into the house

Parents in NJ

House avg 400-600k = 2-3k month
Rent avg 1k-2k month

Cheaper to rent

It all depends…

Ely
Ely
5 years 8 months ago
What cracks me up is so many people ranting to comment about how Ramit is wrong or commenter so-and-so is wrong… when the whole point is that IT DEPENDS. The conventional wisdom is that home ownership is the one true path… and it may be for some, but not for others. People, lay off the superiority please and THINK when you read. We own. That’s our choice and it works for us. If it was cheaper to rent… or if we weren’t planning to stay here… or if we didn’t have big dogs… or if we lived in a bigger… Read more »
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