At what age does it make more sense to buy a house? Several coworkers still own their first homes and rent them out successfully. Cash flow vs. more equities. What’s better in your opinion?

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As a woman in her 30s who has resisted buying a home because I didn’t want to be tethered to a city, this was super validating. I’ve been feeling pressure from my friend group to buy a home, but I make more than most of them and have no intention to stay in the city more than a few years but have been worried that a house is the best investment or whatever. Thank you!

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It absolutely is not the best investment from the perspective of long-term rate of return! The reason to buy a house is because you want to ensure that you’ll be able to live in that specific property indefinitely. Financially, you’re sacrificing rate of return in exchange for that stability. Just keep renting and invest (for the long term) in stocks. You will do better than your friends.

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Putting my money into stocks feels like a better bet to grow my net worth. Look at this year alone. How many houses will grow 30%-500% in value in one year? Plus, with stocks, you have the flexibility to move in and out on any given day. Can’t do that with real estate.

If I ever buy a house, it will only be when I can afford to buy at least two of them outright in cash. I do not want a mortgage dictating my life/investment choices.

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Yes, don’t buy a house until you’ve built up your stock holdings. The historical rate of return on stocks has averaged around 10%, which you aren’t going to get on an investment property. And the best time to put money in the stock market is when you’re young and have several decades before retirement for your gains to compound.

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I bought a house in my mid 20's, back in the mid 90's. Moved and bought another house in my early 30's.n Personally, owning a house feels like a tether. Not sure how I would feel if I were renting but, givem the climate of EVERYTHING I would prefer to have the freedom to pick up and go whenever I wanted to.

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I bought my house at 25, absolutely no regrets. It’s currently my primary residence and will be available to lease out if i want to buy something else. Personally, I wouldn’t want to invest my money in the stock market (aside from my retirement money) so buying a house was a much better investment for me. There isn’t a right or wrong way to do this, just your personal preference

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My spouse and I bought our house just after we got married. It's our primary residence and I feel better paying the mortgage and building equity than I did renting. Two years later, we bought a condo in a mountain town. We rent the condo out most of the year, but also use it for our own vacations. It cash flows positive. Eight months later, we bought a second condo - same story.

In full disclosure, we don't live on the east coast anymore and the barrier to entry for homeownership was insignificant based on spouse's prior military service.

Nothing about owning our home has prevented investment in the stock market. For us, buying right after we got married (at time of purchase, I was 30, he was 35) was the right move.

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Do you want to deal with being a landlord? If not, stocks

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