I have to comment on the huge windfall on the sale of your house of 21 years. The annual return on $235k growing to $780k over 21 years is less than 6%. Not bad but the S&P 500 would have returned over 10%, or $1.7M, on the same investment. Home ownership provides a lot of benefits (including “rent free” living) but it often isn’t the great investment it seems, due to the very long holding period.
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I have to comment on the huge windfall on the sale of your house of 21 years. The annual return on $235k growing to $780k over 21 years is less than 6%. Not bad but the S&P 500 would have returned over 10%, or $1.7M, on the same investment. Home ownership provides a lot of benefits (including “rent free” living) but it often isn’t the great investment it seems, due to the very long holding period.
Post: The Home Ownership Gamble
Link to comment from April 11, 2026