Let’s discuss how rentoids talk about >it is better I just leave the money in the marketHow true is this?Also, please enjoy the cope of the day.
>>61030314I have enough cash to buy a house but live in a van. why would I buy a house?
>OP was so assmad he screencapped my post and made a thread
>>61030336Because you cannot afford it. Unless yure worth over 20m, then you cannot “afford it.” The average person has no idea home ownership is out of reach now or they do and now we hear cope like>well, I can afford it but…
>>61030314No single investment is the best investment. You should be well diverse, including a home and property, stocks, crypto, metals, maybe even cars if you’re rich enough to afford the ones that appreciate . Since you have to have a building to live in why not just buy one in a good area with a history of appreciation?
>>61030314>get btfo>screenshot it and make another thread
>>61030340I am not assmad. I am just surprised by how anons wont admit they cannot afford something and cope with >well..its just better to leave it in the market
>>61030378it is
>>61030381Yeah, if you dont have a high networth
>>61030378Is English not your first language or something? We can get a home, but why would we do that when the market returns are far better than home appreciation?https://www.nytimes.com/2025/09/04/realestate/millionaire-renters-homeownership.html
>>61030385So basically the post in OP is not wrong and you're just being an ass for no reason?
>>61030385if I was high net worth why exactly would I buy a home rather than renting a luxury penthouse that I don't have to have any responsibility over?
>>61030381>>61030385or income>>61030393You “can get a home.” But not with it affect your finances. Dumb ass. So you either get a cheaper home or get one in a nice area which means you lose on your investment gains. A lot of words for, I dont have enough.
>>61030314>pigslop mutt retard bragging about the zestimate of his 2400 square foot box on a .18 acre plot in katy, texas
>>61030401If you have to care about>muh appreciation vs market gains then youre not rich enough or the home you want to buy is out of your price range. lmaoSo much cope. This is hilarious.
>>61030314>rentoids>look at this (you) I got guys!This nigger hates his life
>>61030314I bought a house for 100k in 2015 and now it's worth about 300k.Bitcoin was trading for like $200 at the time.So there's a point to it. I could have lived in a super nice apartment rather than a starter home and been way more wealthy in the end.On the other hand if I had bought stocks in like 2007 I would have been massively underwater for a long time. Investing isn't quite a no brainer, because buying a foreclosed house for dirt cheap in 2008/2009 would have been a genius move, too.Investing Intelligently is the most important thing. Sometimes that means buying a house, sometimes that means renting. Sometimes that means being in cash, sometimes it means stocks, sometimes it means crypto.
>>61030401Cause youre still not high enough. Idk why its so hard to admit youre looking a place out of your range or youre poor or not rich enough.
>>61030429OP, you still have time to delete your post.
>>61030401Because youre still buying out your comfort range if you care
>>61030314Why not both? I got a 2.8% mortgage with zero down a few years ago, already have an offer for 100k above what I paid for the place originally, and it cost me nothing. The mortgage payments are cheaper than the rent I used to pay for an apartment half the size.I fail to see any arguments for renting in this market, it is literally just saying no to free money.
>>61030508what are you going to do once you get that "$100k above what you paid" offer? lateral into another plywood box that also increased $100k in value over the last 2 years?
>>61030508>interest rate is now 2.5x larger than when you purchased>home appreciation to the extent you mentioned is not guaranteed whatsoever
>>61030517Interest rates are down here, but it's not variable anyway, so it doesn't matter for the mortgage. Higher interest is good because that means I basically have a line of credit lower than the risk free rate.>>61030515Once the value increases enough, I remortgage at the new valuation and take out the excess equity at a low interest rate, to put into stuff that earns a higher interest, or just into equities. Don't need to sell the house to cash out the excess value.
5% of Americans have 1m excluding their primary residence. So it makes sense literally everyone has to cope.
>buy cardboard shack made by beaners >costs $500k plus interest>after a year, the government sends niggers and towel heads to your neighborhood >they have more rights than you>HOA fines you for not mowing your lawn properly >government raises your property tax>state says the water isn't yours
>>61030401Clearly youre not high networth enough for the home you want to purchase. I dont see you thinking of>muhh opportunity costwhen youre buying a chocolate bar. lmao. >oh no!!! that 1.50 would be better off in the market!!gtfo lmao
>>61030566>500k is a shithole area>>61030566Your post is relevant to OP.
>>61030583>nice area>government decides it's too white >send in the invasive species to destroy the native population
>>61030538the average HELOC rate is ~7.5% today. what are you investing in that averages >7.5% per year?
>>61030606Something with slightly higher risk tolerance. So growth, instead of preservation. aka poor.
>>61030362From a total return perspective housing does not beat equities in the long term. People forget the interest/maintenance/tax drag, so it looks better than it does.
>>61030606Don't know what a HELOC is, I'm not from the US though, mortgage rates in western Europe are not even half that.
>>61030314>Buys house>Lose job>Get new job>3 hour commuteNever buy house.
>>61030314>How true is this?nigger, the spx on its worst day will beat real estate price appreciation and there's no tax on holding the stock
>>61030429>then youre not rich enoughwould the "rich enough" care about it to the point of making this thread?noyou're asshurt because you put your money into the wrong thingdon't ever marry your own bags
>>61030846Wtf are u talking about outThe rich?There are anons here with 50m plus. Me, I am just retired at 30 living somewhere no one can afford.
>>61030314I couldn't sleep well with a significant percentage of my net worth being tied in something immobile.
If im rich enough i'll buy a house, but im not in that position yet. My brother spent all of his savings on a mortgage downpayment and i can't help but wonder how much better of a position he would be in if he instead just put it into something that would appreciate, instead of starting over again at 0.
>>61031071>rich enough Exactly. At least you’re honest. So many anons itt cope
How many of you faggots will waste your life watching number go up? Seeing a house as the same thing as a stock is fucking retarded. Have you ever considered actually living? A family perhaps?
>>61031225Its fun dude. Some people just have to get a job for it.
>>61030314Depends on if you're min maxing investments or not. People don't generally purchase a home to serve primarily as an investment financially speaking. It's a lifestyle choice which brings comforts stocks and crypto can't. A home for you and your family that's yours.Do you not care about that shit and are using it purely for investment purposes? Yeah other assets are probably better
>>61031814Yeah, but most people cannot even afford a home in a nice area. And the guy in op’s pic is clearly coping.
>>61030632you know you cannot predict the future using the past right?
>>61030355>I can buy a house with cash>no you can't afford it?
>>61030336Most people like having a bathroom, kitchen, bed, and things like that. Youtube has convinced young people that living in a van is way different from being homeless. But a van isn't a home.But I'm sure all the money you're keeping in the maket is infinitely better than having a private shower.
>>61031843He cant afford it comfortably. He needs to buy a cheaper home otherwise he feels like he will be missing out market gains. Dumb ass. You brokies are so funny. Opportunity cost too big for him. Its like how you dont bat an eye for a chocolate bar.
>>61031843Bro unless you’re worth 15m, your van is a cope.
>>61031851My van has all those things. Plus, I can rent an acre of land for $200/yr if I want longer term parking. I also rent warehouse space for my business and it doubles as an office and living room.>But I'm sure all the money you're keeping in the maket is infinitely better than having a private shower.It's not just about the money it's about the flexibility but yeah it's better.
>>61031862>>61031866I don't have a need to own a home currently so I don't own one. I prefer the ability to move around easily. But keep doing this weird cope I guess
>>61031880>>61031886So you live in your warehose and office. lol.
>>61031880What a loser. This faggot been baiting everyone. It turns out he lives in an office and ware warehouse.
>>61031886Fucking loser. Your office and warehouse is your home.
>>61031920>>61031911>>61031948Yes but I rent it, isn't that your whole schtick here, hating 'rentoids'?
No one is buying a house because it is the best or even a good investment. Weird argument, but ok.
>>61031965Yeah. Can you afford a multi million dollar home? If yes and its no issues, then its different. Otherwise its cope.
>>61030314There are many cases in which buying a house or even an apartment is a waste of money.
Being a rentoid is a worse fate than death in Australia>have to let your landlord come in and inspect every single room of your home every thre months, the ultimate cuck experience>he can raise your rent pretty much at free will>he can kick you out on short notice whenever he wants toGetting a mortgage is also the absolute cuck experience:>buy a cardboard box that is defective the day you buy it>legally the builder has to rectify defects but they will drag their heels as much as possible and phoenix their companies regularly once too many people sue them for defects>the building inspector who told you the building is all good won't have to pay you for damages when you prove he lied to you in court>all these things will cost you hundreds of thousands in legal fees so the smart move is to just eat it and fix defects yourself>there are no fixed interest mortgages in Australia, the government can literally just decide your repayments are double now kek>because of the atrocious build quality most houses here crumble and get eaten by termites after 25 yearsit's dystopian, the only way to win is by leveraging yourself to the moon by buying a few properties, renting them out and then using negative gearing on your high income to offset the loss. This only works when you make a lot of money on a fixed income, meaning you will be locked in the wagecuck rat race because one or two bad years in business will rugpull you and you lose everything when you can't do negative gearing.
>>61030401You’re correct.
>go to a bar>hang with friends>come back>OP is still coping about the post I made eight hours ago in a prior threadLove /biz/ sometimes
>>61032051kekhe still has friendsgrow up loser
I live with my parents in my 30s but am a millionaire on track to early retire. If I fell for the house meme I'd owe the interest jew cuck payments every month for the next three decades.Your house is an illiquid asset you're chained to and living in a mcmansion is just a cope you got nagged by your banshee wife who won't fuck you unless you buy a big house so she can brag to her friends (and fuck the pool boy while you're away).
>>61032030I'll keep most of my American housing complaints to myself after reading this.>>61030434You get it, the thing with investing is that it's unique to everyone, so for some it may be more appropriate to zig and for others to zag. I'd bother with a mortgage if I had a family, but I don't, so I'll rent until I can buy outright and even then the question of where that is isn't even answered. I'd prefer owning property to renting, but 30 years at 6% with these prices? Not worth the commitment, even just 20 years of saving up money in a safe, stupid and steady way would be objectively better. Of course, my tune might be different if I had a shitty apartment, but this is exactly the stuff that makes investing so unique to everyone.
Holy shit people I’m so over this debate. It’s at the point where I’m hearing this from complete normies around the office. You aren’t edgy or counterculture anymore, you sound retarded. You don’t buy a home for just the monetary investment. Own land. Learn basic home maintenance like an adult. Control where you and your family lives. Give something to your kids or grandkids. It’s not even that hard to find something that isn’t an overpriced shitbox. Show some courage. Stop letting them trick you into owning nothing.
>>61032257the federal government owns your land, not you. try not paying your taxes. how about your utility bills. hope that high value land you bought is good enough to provide electricity, food, water, etc. in a self-contained manner. you are creating an illusion of freedom so you can pretend to have full control over your own life. your life is predicated on a made up number in an account somewhere, digitally just like this meaningless message board, and some people literally have such a high made up number in their made up digital account they can't spend their money fast enough. trying to act like you countering "own nothing" by buying a house, THAT THE BANK OWNS AND YOU PAY A MORTAGE AND INTEREST ON, is hilarious. you got conned thinking you owned anything in the first place. midwit take. the realest thing in the world is the fake money in that fake bank account. if the world turns into a nuclear war no one will want your house or your gold or your fake money. none of it is "real". maybe take a schizo pill every once and a while to realign your gay chakra
>>61032377
>>61032403ya definitely people schizopost in a big paragraph on reddit loser. think youre outing yourself big boy
>>61032213yeah it's fucked mate. Having said all this, housing has historically gone up massively here and boomers that had the balls to leverage themselves into millions of debt have made an absolute killing
>>61030968>Spme guys that post here have 50 million. Maybe more!>t-they told me….that's how I know…>me, I live somewhere so cheap no one would want it.
>>61032377Touch some grass lmao. if the world ends or governments goes full 1984 then none of this will matter anyways. But no you’re so right dude because of those fringe scenarios I’ll just pay overpriced rent or live with my parents forever, watching those fake numbers in my account go up while I do nothing real with my life . You people need to grow up.
>>61030314Why is it always the “I have a house” end game for these types of people? Is that it? Owning a house is your goal?
>>61033592it's the same sort of bottom caste individuals/christcuck types that think breeding is the peak of human achievement
>>61030314I live with my parents, work a remote job, sold my car cause I don't need it, no bills and I make $60k a year and i do $2000 in investments a month.Feels good man.
>>61030434I think the main difference comes from leverage that you can get from the mortgage. So you can get quite nice downpayment/equity multiplication. No one gives you 10-to-1 leverage to buy stocks. But hey leverage is risky so uh... it might not work out in the future (see Australia 1900-1950, Japan 1989-today etc etc)
>>61030385You seem to be an outsider, we here all have "high networth" compared to retarded normies like you. But if you dont have 2mil after taxes on biz then you arent "high networth"; so we are trying to make more money numbnuts(my portfolio is appreciating faster than a house).Also the unquantifible negative of a house is that the goverment can just move in 20 somalians next door and theres nothign you can do. They did this to my apartment, I can move but my landlord is fucked.
>>61030314Totally better to make that down payment, bro.
>>61030314From a straight money perspective yes. Especially with recent market returns.>>61030336Unironically correct.Sometimes you can pretend buying a big fancy home is more cost effective than renting a big fancy home (still depends on the realtor costs, what you'd otherwise make in the stock market, property taxes, insurance, how much more you're going to spend in bullshit because you've decided it's your forever home) but nothing beats just investing it and keeping rent costs super low.Normies confuse "good investment" with "a cost-effective way to splurge". Just like they may say people "should invest in a good wardrobe"- they mean "it's nice to have nice clothes you can wear a long time and look good doing so" not "spending money on high quality cashmere sweaters will on net have you come out ahead from buying Costco sweatshirts until they're threadbare"
Not a single person here has 10 million dollars im talking to all 15 of you along with the 5 bots
>>61033570I live with my parents
>>61034124Lol why you single me outlmaoIm retired at 30I live in a red hot location. Probably one of the best in this thread. lol.
>>6103482110 million isn’t enough for my city lol
>>61034124> Also the unquantifible negative of a house is that the goverment can just move in 20 somalians next door and theres nothign you can do. They did this to my apartment, I can move but my landlord is fuckedYou called me poor in the first paragraph and then that was your second paragraph. Bro, they aint moving somalians into upper class areas.
>>61030314The actual truth is that yes paying cash for a house is a bad investment. If you can weather the storm, a house is something you can purchase with significant leverage that you can't get called on. People have been making value on their mortgage due to currency devaluation. That's how people who own properties have "made" money mostly, not due to the inherent asset being a good investment.
>>61035193> That's how people who own properties have "made" money mostly, not due to the inherent asset being a good investment.Not in my city. In my city and a few others, rich people buy up all the nice houses. kek. Some dont even live in it. lmaoo. Now there is an empty home tax. And the rich just pay it. Hahahahah. Fuck the poors.
>>61035211>>61035091You live with your parents? Why are so you angry about bitcoin outperforming housing if your just a neet anyway? I assume you also made more money with crypto instead of house buying.
>>61035235Bro. Before I lived here, I live in a condo next to the sea in the worlds most expensive real estate market. hahah. And now, I live in a city where no one can afford a home. lmaooo. The rich and foreign buyers bought up all the nice places. haha
>>61035235Im set for life, bro. My city is a playground for the rich, like all big cities desu.
>>61035150In my neighborhood with houses easily worth $3mm and up, the pozzed municipal government built a homeless shelter with niggers loitering harassing passerbys and weekly police calls, and another low income housing complex block away in a richfag neighborhood. Owning a house is literally being a cuckold to the government.
>>61035416Your 3m neighbourhood wasnt upper class. Its like how some 2m and 3m+ houses in my city are in the “ghetto areas.” Like in my city and area, there is “no more room.” I live in a peak and prime and red hot area too. My city is the most expensive city in the country, bro. You legit have no idea. > built a homeless shelterI know what you mean. But not my area. My area is legit wealthy and not home wealthy. Like in the greater area of my city, ghetto homes in ghetto ghetto areas go for 3m. You can probably guess where I live now lol.
>>61035416You dont live in a red hot area. I live a 5 minute drive to celebrites. Same street. And district. When I tell people my area code/zip code, everyones eyes widen and normal and above people go “wow!”Poors and their eyes seethe. I live between 4 intersections. A square. I can list anyone and it is super high status. I know what you mean when you say 3m houses in the ghetto. Trust me.
>>61035372>>61035391Ok cool, nobody asked about that, were in the intrest of makign money is all. Your mannerisms are niggerish.
>>61035416Like if I like you and youre well off, I say one intersection. If I dont like you, I say another intersection which is also AMAzing but not as nice out of all 4. I live in a RED HOT location. location location location. So now I have two other intersections. One of PRIME. like top of the line in my city. I like that one for “my city” and to flex that “im in it.” And the other one is a HUGE flex too but its more…boring and low key. Its where all the luxury boutiques are.
>>61035469Trust me, I live “on the pulse” but no ghetto. In the city. Not suburbs outskirts. But in it but not in some ghettos slum. Like its PEAK. bro. trust me. Its insane. Like the only better location is where Drake and Donald Trump owns property BUT that is not location location location like me. I live in the legit peak. Idk how else to tell you more without doxxing myself cause you can just look at the map, study it and go “there, thats the best spot.” Location location location.
Is this AI? Someone reposting an old thread they are mad about and then posting over and over how they live in a rich area? I cant even tell if they actually have made any money themself.
>>61035520He’s a deeply insecure person.
>>61035469Wanna hear a story?So when I moved here and my parents were helping me. My parents had like a bank account where they only had 20k as a test.So my moms friend real estate friend (who was helping us buy home) heard about the 20k and the friends husband said to his wife >wtf!..so poor…who moves to a country with so little money…A few months later, I end up in the best neighborhood. Thing is, that real estate couple live in the 3m ghetto areas. Anyways, this was a while ago so they are super well off now i would guess.
>>61035536location location location!!People forget this. This is why ugly ass single floor tiny homes with ugly lawns cost 2m in la county. space is limited for new homes. nice areas.
>>61035520Bro, my city is having a condo crash though. I dont know anything about condos. Teach me
>>61035520Mufucking pos. You running yo mough. Bitch I fucking told you. Location location location you puto bitch. You fucking sum bitch you. Talking about muh ghetto. You mafucking bitch. sybau
>>61035469We won bitch. india won bitch. we fuck you bitch. We fucking you fuck you. we run shit.
>>61030632kek. once you factor in taxes, upkeep, and dead liquidity, stocks and real yield stomp housing. And if you want non-directional income, swap fees > drywall. HoudiniSwap literally turns trading volume into staker revenue.
>>61030314https://www.youtube.com/watch?v=XamC7-Pt8N0There is value in security, if anon really did have $10 million, I guarantee the fear of losing it would make him value security.
>>61036861Thats why you need 20 million just to afford a nice home now
I'm not buying real estate. It's a way overpriced asset class, especially in some locations. Many other things are overpriced: jewelry, diamonds, some cars and watches. I'm not buying them either. I don't understand the argument about not being able to afford it. I can afford to buy a $40k watch, but I'm not going to. Same with a $1.5m house - I can do that, but I'm not going to.>but you can live in a houseAnd you can wear a watch. So what? I don't get it. You're overvaluing the value of living in a house. Some people overvalue the value of wearing a watch. Both sound very silly to me.
>>61030314It depends where you live honestly.I have the means to topblast my local market, but I know for a fact that local moguls are leveraged to the tits and just cruising on demand.So, Id rather pay a relatively low rent while staying in liquid assets that I can hedge from time to time.Only reason Id buy, other then RE market taking a shit, is if I had kids.
>>61030336be meshower at gym, park by beach, numbers go upIf your business + van loop keeps you mobile, keep compounding. Just don’t LARP hygiene or security. Side-quest: stash moves stay cleaner when you swap anon on houdiniswap. Based if you’re actually doing it.
just live at your gf’s place, and when you get sick of her move in with another one
