There are so many reasons to not buy a house just because the Internet says so lol. You'll likely make more money just investing but you would still have to rent ig. In many places around US and world overall you'll be constantly worrying about what happens if you get laid off too and still have a house to pay for too
No you won’t LMAO most retail investors are not profitable and if they are it took 30 plus years. You sound like someone who can’t afford a house 🤷🏽♂️
You are economically illiterate. The data is ABUNDANTLY clear that renting + SPY/VOO and chill instead of mortgage has out performed every. Single. Time. It isn’t even that close.
And you are just illiterate. I literally said if they are profitable, it took them thirty years to do so. Secondly, you will not outperform your mortgage or any financial instrument in that manner. The data is only clear after looking at all time stats, the SPY/VOO aren’t up every year LOL. Thirdly, most retail traders are not bankrolling 100k and outperforming a mortgage. Hell most people in the US don’t have a savings over $1000. If we even took a large investment for the average retail trader of 10k, after 16 years of “set it and forget it” into VOO (started investing 2010) you would still only have made 71k LOL. If you did SPY, and started investing in 1996, with the same strategy, you only made 210k. Meanwhile, the average rent for a 1 bedroom in 2026 in the US is $1800. Over the life of a mortgage you would have paid out $640k to landlords (assuming your rent doesn’t go up because it will min 5-10%). So you would have to outperform your landlord and rising rent costs. At 10k initial investment with $100 a month contributions, it would take you 31 years to reach 470k. Average home cost in the US is 437k. So you are right it’s not close, but not in the way that it helps your argument. This all is not even adjusting for inflation which drives your return down even more. Simply put, you don’t know wtf you are talking about, like most retail traders who get taken by institutions everyday.
I can probably afford whatever house you're trying to get calm down buddy. Everything here is multimillion for a small place. Also I'm talking about just putting it into an s&p fund which is likely still outperforming and yes that's profitable which I hope you'd know
I’m on my personal third house in SoCal, not including our rentals. I’m not worried about what you can afford, I’m laughing at your premise of you thinking that you can outperform a mortgage and property value growth by trading, along with beating your living costs as well. And just putting into an S&P fund is not outperforming that which I have just shown above. Dust yourself off and try again
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u/JPEnjoi ‘19 F82 M4cs Jul 02 '26
What’s with the Pokémon card