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This is the argument that buying a house serves as a subpar, forced investment for most people.

But I don't know if I agree with you, I understood in my twenties that housing was generally a bad investment. We are now 10 years later and I invested everything in the stock market instead and came way ... way ahead than if I bough one or more houses.

I personally find it way way more scary to buy an average 2M$ house that could crash and lose half of its value overnight than the whole American economy that is relatively diversified. What happens if there is a fire in your neighborhood? Or if your city is the next Detroit? We have been made to believe a house is a safe investment. I personally think it's the scariest least diversified investment you could ever make.



The other factors beyond cost to consider are:

1/ with renting, you might outlive your landlord (forcing you and your kids to move / switch schools).

2/ control over the health of your home (installing water filters, air quality sensors, fixing mold immediately instead of waiting for a landlord).




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