For sure, I’m not trying to say that buying a house is a bad idea by any means, just that for some people you can rent and still come out ahead of a homeowner. It seems like people always compare a mortgage payment to their rent and think “wow, owning is so cheap compared to my rent!” and then forget about all the other costs associated with owning that can easily result in monthly costs double that mortgage rate. For example, I pay much more for my house now than I did when I was renting. Yes, it’s building equity but if I took the difference in costs and invested it in index funds over the long term could easily be equal to or exceed money earned from property appreciation. Plus, index funds are far more liquid than real estate is and I never have the mow the lawn of my portfolio. But on the other hand the stability and sense of ownership in a home is worth something as well which is harder to put a dollar figure on. If that’s worth something (as it is to me) then buying is likely worth the premium.