@steven: Renting might feel flexible but it can quietly cost you decades... David Bach explains why renting through your twenties and thirties can leave people reaching forty with little to no net worth. He argues that comparing stock market returns to home ownership is not a fair comparison because buying a home typically involves leverage. With a down payment, homeowners benefit from the full value of the property as it grows, along with potential tax advantages and long term equity. He also challenges the idea that renters consistently invest the money they did not use for a down payment, saying that in reality many spend more on lifestyle instead. Do you think renting really gives people more financial freedom long term? #podcast #renting #realestate #investing #money
32 yo, always rented. 510k net worth. Renting has allowed me the freedom to invest a lot money that would otherwise go to interest, maintenance, insurance, and other expenses. Meanwhile, real estate prices are stagnant and even decreasing.
2026-01-30 17:57:43
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Green eggs & han :
Even if your house does double in value in 10 years (which is a big assumption.) You’re not getting a $200k return on $40k.. you would at least be paying the mortgage (loan, property taxes, insurance, etc.) On a good 20 year loan that would be another ~$182k. So before any repairs or unexpected expenses (which experts recommend budgeting for 1-4% of your homes price annually.) With a simple, conservative estimate of 1% of year of original price that’s another $20k. So you’re actually saying you would get a $200k return on ~$242k investment. Thats roughly 8-9% annual returns. Which you said yourself, the market gets 10%. There are plenty of other reasons for wanting to own a home and why home ownership is good, but your claims about the financial benefits and impacts of home ownership are categorically false.
2026-01-30 14:23:04
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ShaneGriffey :
Show me a 200,000 dollar home plz. 😭
2026-01-30 14:39:05
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ccharluhtuff :
lost me at $200k home
2026-01-30 14:21:43
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Tommy Piet :
Is the $200K house in the room with us right now?
2026-01-30 14:23:42
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HandsomeWillis :
I’m 100% in on buying the house over rent. But he didn’t include the monthly payments and house repair. So you’re more than 40k in. But I still 100% in on owning over renting. I’ve done both. Buy
2026-01-30 13:59:44
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Tariro Roselyn Taruv :
People need to stay with their parents and not be in a rush to leave to build true wealth.
2026-01-30 13:46:16
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Annie Moore :
vancouver here. You can’t buy anything for $400,000. A dump is at least a million and I am talking tear down.
2026-01-30 16:41:22
5
Bhavish :
The people that come on this podcast contradict each other! The others say invest in the stock market and rent. This guy says the opposite
2026-01-30 16:29:12
5
D :
How about this crazy idea. Owning a home AND investing in the stock market. I know crazy idea. Win win, best of both worlds
2026-01-30 13:49:08
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iMatthew427 :
Facts. Buying a home was by far the best investment I ever made.
2026-01-30 16:56:15
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oc_drone_productions :
I put down 15 k on my first one bedroom condo, live there 5 years, sold it and made 260 k. Yes I live in a desirable place but it can happen so he’s not lying.
2026-01-30 18:40:40
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Ji Ji :
it's way too expensive in canada
2026-01-30 15:19:46
5
Silent Major :
a home you live in is not an investment. you paid in bills, mortgage interest, property tax, maintenance, and labor. don't forget the tickets when you don't remove snow and cut your grass. it's a scam.
2026-01-30 14:28:10
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North :
housing can't continue to double. people are losing money on homes right now
2026-01-30 15:24:21
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Rachel LPM Events :
Love watching this
2026-01-30 12:42:45
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Sotipanky :
Very accurate
2026-01-30 17:00:08
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Cheer Dad 🇨🇦 :
City & school taxes, maintenance, mortgage needs to be taken into account
2026-01-30 13:01:45
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good as it gets :
And take off interest , insurance , rates and maintainence you'll find that equals the increase in house value and that's IF the house prices don't plummet
2026-01-31 06:37:01
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woooooooooooooooo0101 :
2008 is coming very soon
2026-01-30 16:18:44
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Mythomonga | AI Pokémon & Myth :
Agreed
2026-01-30 14:13:13
2
Pork Hunt 🥓 :
The banks will make far more profit from your mortgage than you ever will from owing that house. He’s also not taking into account the fact you have to pay rates, repairs, maintenance, etc.
2026-01-30 17:39:01
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Gentle London :
Very insightful!
2026-01-30 18:04:28
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HonestMan :
You motivational speakers like contradicting things. I once met someone advising me not to consider buying a house at my 20s, because it will become a liability for me, it’s better l own a business or l go into investment. Now another is telling me to buy a house in my 20s… I think it’s better l do what’s best for me
2026-01-30 18:56:14
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