Your home is probably your worst investment.
And I have the numbers to prove it.
Most financial advisors will never tell you this. The entire real estate industry profits from the opposite narrative. But after running 40 years of market data, the evidence is impossible to ignore.
I met a homebuyer last month. Smart person. $150K annual income. Saved $45K for a down payment.
Her financial advisor said: "Put it all down. Homeownership is the best investment."
She listened.
Three years later, her home appreciated 5%. She felt good about the decision.
Then I ran the numbers on what that $45K would have done in the stock market over 30 years.
The answer shocked her.
The Problem Most People Face
Let's say you want to buy a $350,000 home.
That's a modest house in most markets.
Under the traditional system, here's what happens:
You save up $50,000 to $75,000 for a down payment. You work for years. You sacrifice. You finally have the money.
Then you hand it over.