Bitcoin Forum

Most people buy into the myth that buying a home is the best investment you can ever make...but more often than not that idea is just a myth.

Take the US as an example. The average house in N. America appreciates 5 to 6 per cent per year, which sounds great at first glance. In 10 years the value of your house will almost double.

But  most people don't take into account the interest rate where the average homeowner is paying approx. 6% annual interest on a typical 30-year fixed mortgage.
So the interest alone is wiping out the gains on your annual 6% appreciation. On top of that you are paying 1% property tax year every year, maintenance and repair costs, etc.

Making matters  worse is that for the first ten years or so most or all of your payments are applied to the interest, so you wont have any actual ownership or equity of the home,
or very little...for the first ten years. And consider that much of the appreciation of your house is simply due to inflation. So if inflation is 5% per year then that alone is undermining your actual appreciation.

I'm not saying that owning a house is a bad thing, there are certainly benefits to home ownership. It provides you with a place to live, you can borrow against it,
you can pass it down to your kids, etc. If you just want to have a place to live and call your own then owning a house may be a great idea for you, but don't think of it as some kind of
incredible financial investment because it is not as great as you may think.

Owning a house might not be a good idea in the US, but it is lucrative in other countries. I know that there are countries where the price of houses appreciated more than 5%-6%. In my country, houses' value can appreciate 100% in five years depending on the location. If you live in an area experiencing a population explosion and increased tourism, you might understand my view.

There was an anti-tourism protest in Malaga, Spain because the the price of rent increased by 16.5% in a single year. House owners in such locations will be making good profits. There are also some countries where the government doesn't charge as high as 1% yearly property tax. In some countries, property tax doesn't even exist. Bitcoin is a good investment, however, diversifying your investment to the property business is not also a bad idea.

Buying a home or owning a home brings more than what you said about paying taxes etc. We save funds that we spend on renting houses, and we save on food that we will buy from restaurants or hotels because in our home we will be buying in bulk, and cooking food at home for 5 people is much cheaper than in hotels or restaurants. There are many other things to consider besides just cooking and eating.

The point is houses are definitely not a good investment financially but inheriting to kids is a big investment.

There are houses in my place that gave 10 over the 10 years so yeah financially houses are not good investments. They won't be a good investment and there is a study that shows that renting a place is much cheaper than owning a house.

It depends enormously on the market situation on the real estate market. But also on the risk you're willing to accept.

Bitcoin has performed really well in the last 15 years. It was maybe the best-performing asset (besides from some pennystocks, memecoins and other assets with far less value).

But while there are lots of theories trying to tell new investors that "Bitcoin must go up forever", this is not a law of science. It is an assumption based on the past performance, and often taking into account the limited supply, and perhaps an "adoption curve" like Metcalfe's law based on network effect.

I however think it's time to move to a new kind of analysis to predict Bitcoin's future, an analysis based on the market niches it can occupy in the future. I for example expect that indeed Bitcoin could become a real alternative to gold, at least for the private sector and a few governments who can use Bitcoin to diversify. However, this will only occur if the volatility to the downside lowers. Nobody wanting a "stable investment" will invest in Bitcoin if some local economic problems in Japan drive down the price 15-20% like it occurred last Monday.

So I believe that Bitcoin is still a risky asset. For me, the probability that it continues to grow is very high, but it is not 100%. And it's very likely that the growth will continue to be bumpy, with highs and lows. What if you need your money just in the middle of a crypto winter?

So there are several investor profiles where an investment in a home (or real estate in general) is a better decision than an investment in Bitcoin.

True, let alone the calculation, if you rent the house you bought and the renters commit suicide, your property price will down more than 50% because no one want to rent in your house anymore except you offer very cheap price.

Nowadays there are many people commit suicide due to high social expectation and people become more individualism.

No one ask to invest all of your money in Bitcoin, that's why you need to have emergency funds that can cover your 1-2 years expense.

What? I don't believe this. If somebody offers me a house at a 50% lower price I would definitely buy(or rent) that house. I wouldn't even care who committed suicide or who got killed inside that particular house. I'm not superstitious. Committing suicide due to "high social expectation" seems like the dumbest thing ever.
Anyway, investing in a house/apartment can be really lucrative, but it depends of the location. Buying in a home is a necessity in most countries around the world. I can't imagine having to live in a rented house/apartment across my entire life. I live in an inherited house and I'm glad that my grandparents bought that house 70 years ago(for a pretty cheap price).
We don't have to compare housing investments with investing in BTC. They don't belong to the same category.

US example doesn't work every time! Buying home can be very lucrative in growing markets. If someone buys home at a location which is already at the peak, is not a good idea if you are looking from an investment perspective. But at the same time, if you are buying a home in a growing locality where developments have just started, it can give you 3x to 5x returns in 5-7 years timeframe. Also do not forget about the rental yield in the meantime. Even though rental yield is lower in most cases, it surely gives you a constant source of money flow.

Owning a home is not necessarily a bad thing if you have some plans for the future. But it all depends on where you are buying it. Also, let's not forget about the tax implications of buying and selling bitcoins in most of the countries. So a lot of factors to consider.

There are lots to factor in when you consider buying a home alone, when you compare that with buying bitcoin those different possibilities almost double. This I believe makes it impossible to compare and not necessary too. You only considered the US, but other countries have different economic conditions and even in the US it varies from state to state.

Everyone should do their research and come up with actions suitable to their economic conditions.

If they are buying for stability will they also be bothered about rises that may occur along with crashes? Or will they need it to be completely stable or just fluctuate between the 2-4% range for long periods of time?

- Jay -

The OP's post is full of half-truths, and therefore half-falsehoods as well. Starting with the fact that you may or may not buy Bitcoin, but you don't need it to live. On the contrary, you do need a roof to sleep under, and if you don't buy you will have to rent, and there are places where rent is worth the same as a mortgage payment. So it is better to build equity than to waste money on rent (although there are exceptions, as if you have to move very often for your job).


Do you know that there are people who take a 15 or 20-year mortgage? There are even people who amortize, so what you say that in 10 years you do not build equity is another half truth, and another half falsehood, as you prefer.


Maybe not so much in the 21st century, compared to technology investment and Bitcoin, but it certainly was the biggest deal of the 20th century, where the biggest fortunes were either made in real estate or once the money was made in other sectors they invested a lot of real estate.

In your example you have only taken into account buying a house to live yourself, which according to Kiyosaki would be a liability, but let's now look at buying to rent, if you do it professionally:

1. You can buy with very little money down and it is financed by the bank.
2. You receive cash flow from rentals.
3. You have tax advantages such as depreciation.
4. It also revaluates in the long term.

Therefore, it is a much better investment than you want to make it seem in your simplistic post.

Some problems can consume 2 years of emergency funds in a few months. Loss of job or health problems are unpredictable issues that can distort your investment plans. Considering the economic situation in some countries do you think it is possible to save up to two years of emergency funds? You might never be able to invest in Bitcoin if you are waiting to have such an amount in an emergency account.   

I would gladly rent or even buy a house where the renter or owner committed suicide. Was it the house that made them commit suicide? Maybe this might be related to the cultural or religious orientation of your location. In my country, people are buried inside houses and immediately after the burial, the rooms are worked on for rentage ::). People don't care who was buried there because there is a shortage of accommodation. 

I don't think owning a house is a bad investment. Paying house rent is one of the most expensive things people struggle for, and everyone are complaining how expensive the rent for apartments is. For people who can afford to get a house as property it is not a bad idea for them because no matter how expensive a house is their are people who can still afford it. Rents always increase with time even if the standard of the house is losing value. I don't see this investment to be a bad one when it comes to physical investment. Having bitcoin as investment this is another investment I'd like to go into. It is a lifetime investment even if you no longer exist in this world it will still bring profit for your as far as the building still stand strong.

Owning a house as an investment choice is a lucrative investment which in most cases starts yielding profit immediately you're done building the house. I don't know how it works for the state in terms of taxation policy but in my region, the only bills you mostly pay as a house owner involves obtaining the necessary document at the time you're about to start building the house. After you've done all the spending in the building phase and you've probably rented the house out, you don't spend on  any other fee and no tax policy affect house owners in any way. In most instances, even when you're to carry out maintenance on the house, it's usually a combined effort from both the house owner and the tenants which means it involves less expenses for you as a house owner.

The only reason why investment into building of house isn't all that lucrative or considered the best choice for most average person is due to the cost of carrying out the investment process and knowing that you have to get the complete funds including the amount you're to use in obtaining the land, erect the house, do all the tilling, painting and wiring  which will amount to nothing less than 10 million Naira in my local currency. If after you've rented out a building that's worth this amount, let's say it's a 5 room apartment, the average pay per room is 200k of my local currency multiplied by the 5 will give you a million Naira. So in essence, for your 10 million naira investment to gain twice the invested amount, it has to stay an interval of at least 10 years before you get such returns. But If you consider investing such amount in an alternative thing, it's sure you will get more than that profit before the 10 years elasp.

The investment choice one chooses is totally a preferential thing and based on region and how favourable the policies of the government works for your case will go on to affect your investment decision.

It is not that easy.

I disagree. Like any other type of investment, if you know how to do it then it can be very profitable.
For example the simplest thing I can think of is the cases of neighborhoods that have a good potential to grow. And in a year or two the value of said house would be a lot higher than the average growth elsewhere.

You also can't generalize this for everyone in all situations. For example if someone doesn't own a house and is currently renting, I personally find it stupid to not buy a house if they can. Specially when the inflation is high like these days in majority of the world.

Borrowing money to buy a house is not always the only option. People can buy a small house that is cheaper in a cheaper neighborhood and then work their way up that way.

Another reason why you can't generalize this. For example we don't have property tax here like this. That only applies to "expensive" properties not to everything.

It may not be as profitable an investment as many other things (compared to bitcoin) but also it is not as risky for example the chances of your house dumping in value by 50% is very low while bitcoin can dump 50% tomorrow!

Say what you want but having your own house is not terrible at all, but I prefer doing this only if I have the extra money, minus my investments and stocks, when free money comes that goes into my housing project.

I said this because I've seen people building houses and months later they can't even feed themselves well, you have to be making many incomes from different sources before you consider a house. ..

Its also possible that the house you build for business will not favour you much, because I have someone who spend lots of the money he makes from the house back on the same house, due to  mismanagement of the tenants, even damages fund isn't enough.

It might not be a great investment in the US but it is a great investment in other counties. In my country, land appreciate very much when development comes to the environment that the land is located therefore when you own a home there, the value of your land and your house appreciates. House ownership is a great investment and if you have the money you should do it. You can own a house and still buy Bitcoin therefore you should not do one and leave the other one. Owning your own home give you long term investment because everything that you do to improve your house, stays that way forever until you are ready to move from the house to a bigger one or a different location but doing those modifications to rented apartments gives value to the house owner and not yourself.

I don't know about the housing laws in America, but in my country, real estate is one of the best investments that anybody can go into, so far you did you investigations before buying to determine whether it's a disputed property or certified place to build. You don't need to worry about dip in real estate, from the time you own a property it'll keep increasing in value as the years goes by, except if their are issues Ike the ones that I mentioned. I think that the edge that Bitcoin investment has over real estate is that you don't need to be rich or gather too much money to start hodling Bitcoin, any average income earner can start buying Bitcoin in Satoshi, but you need a lot of money to start real estate investment. Starting Bitcoin investment is very easy but real estate requires starting with a lot of money.

If I remember correctly, you were the one who created the thread saying that selling gold in the US is difficult, right?  ;D ;D ;D

I don't know what's going on in the US, but according to my understanding, billionaires, millionaires or rich people are the ones who own the most real estate and gold. In addition, in the remaining countries, owning a house or real estate is something that everyone from young to old dreams of.
In my country, owning a house will help us save a lot of costs as well as help us feel most secure because we can ensure our family has a place to live without having to worry even when we don't have money. In my country, renters have never had a better life than people who own homes, let alone people who own many homes. From what's going on around me and what I see, people are fine without bitcoin but if they have to rent a house it means they don't have the stable life they expected.

all investments come with risks, especially if you bought during the wrong economic period

yes although you bought a property at market rate of $200k but later sell for $400k this can be seen as a capgain of $200k however if you then take out the cap gains tax which in some places can be 40%(chile, turkey) then the ongoing costs you incurred while living in it and the mortgage interest leaves you with no real terms profit

for instance buying on the high where 'comps' of the area have rose way above inflation rate, means you might have bought during the premium at $200k where as your neighbour just 6 months earlier bought the same design suburban home for $150k
and then another neighbour about to sell might be pushing to sell for $180k next month due to wanting to rush a sell to escape the area to look for new work elsewhere

then adding on mortgage interest to your $200 purcshase price, and then if in a hoa having to pay hoa fee's, property taxes, maintenance and such are all an ongoing cost that adds on, which may come to a $400k total cost in many years,
..so you then hope the inflation/comp's continue to rise above the rate of your ongoing extra costs to get you a ROI when its time to sell (emphasis on hope)

risks are things like:
if your neighbour lost their job, house went into foreclosure and then sold at local gov/bank auction at a low price this then sets a 'comp' in your area of a lower amount which then affects your valuation

when nearby workplaces/industry's go bust, it causes alot of unemployment and then people migrate to other neighbouring towns where new work can be found, thus selling down their property to escape the dead town thus reducing the comps and thus affecting the max you can sell for in comparison(mass exodus of people seeking new work in other towns causes your town to become a desolate ghost town)

events like riots, school shootings, vagrancy can cause people to not want property in your area, thus dry up the pool of prospective buyers, causing you to lower your ask price to try to convince buyers

although real estate buyers look at comps as a guide to pricing similar properties.. each property has its own underlying costs and so prices vary.
if 2 neighbours had the same design home but you mortgaged at a period where you are paying 7% interest but your neighbour bought at a 4% interest and so they can afford to sell for less so when you both have a for sale sign and they want to sell for less, the prospective buyer then looking at your property with a higher ask will not pick your property

Well if you want to start a family buying home is necessary since its maybe bad for you if you decide to rent because you decide to use your money for investment. Much better you secure your family first since money will just come and you can start whenever you want.

But if you just buy a real estate asset because you think the price of it will appreciate in future then maybe your decision is not good with that situation. Since everything is unsure with the asset we buy and sure there are lots of factor that can affect the value of the asset we bought. So with this situation I would agree that bitcoin is the best option since provably that we can earn more better profits especially if bitcoin would hit those big numbers just like what other people speculated to happen.

If you are capable to acquire both then grab it who knows maybe we can get more beautiful result in future especially if our asset is in good position which developments in that area is continuously growing.

The dream of every responsible person is to own a home and provides shelter to they family, because that is the primary responsibility of anyone, so who ever at whatever age you can own a house, it something that is worth celebrating and for sure there is a big relief in owning a home which money can not buy most especially when you own the home for your family.

Real estate also as a business is a big investment that billionaires rush into and aside from the profits merging, there is a guarantee of security for the assets and the believe that the value of the property will keep increasing yearly, this is what makes that big difference, Bitcoin on the other hand is a contemporary investment and only for smart people, only a few of investors will believe Bitcoin to be a better investment compared to real estate, because Bitcoin lack physical representations and the risk that comes along with holding Bitcoin compared to the risk of owning an estate, aside from the tax which make the difference.

The real estate market is not the same in all parts of the world, you must put that into consideration. Buying a home is not a terrible investment, if you can afford one or if you have the resources to secure and pay off your mortgage. We are pro bitcoiners, but some of us now believe that it is the only type of investment one can engage in, which is wrong, people have been into the real estate business for a very long time and so many of them have been successful in it, if you do it right, then it is a great investment.

One thing i can say about real estate is that it is expensive to purchase, even if you want to get a land or a home in a 'cheap' area, it would still cost you a lot, but you can buy BTC with just a small amount of money and grow up your investment.

This constant comparison with Bitcoin and every other form of investement is totally unnecessary. Some investments are for a longer term. The fact that a person doesn't make any profit on his investment in the first year doesn't make it a bad investment. I can use this same logic to say Bitcoin gives you double or triple your investments in a year while there are altcoins that will give you x6 of your investment in profit within a couple of months. Does that make Bitcoin any less of an asset?

Btw, owning a house in the US might be as bad as you say which I don't buy at all, but in my country and many other countries, it's not so. When you have a house for rent, your rent can easily go up as inflation goes up so you're not in any loss. You pay property tax from the rent received. So if the property tax and other taxes increase, all the landlord has to do is increase the rent.

Having multiple houses for rent is as much a good investment as bitcoin. In fact, this is a steady source of income. A time might come when you might not be able to work but you can keep receiving your profits. With the high rate of demand for houses these days (in my country at least), there will always be people looking for houses to rent. All you have to do as the landlord is make sure the building is always in perfect condition so people can be attracted to it. Real estate is a good investment in my part of the world, it may be expensive but that doesn't make it a bad investment.

Home ownership in the US is a wonderful thing.  The home that I bought in 2000 for $160K is now worth $400K,
I carried a mortgage on it for twenty years, but did refinance several times to lower the interest rate and did pay it off ten years early.
I now have a nice place to live for the rest of my life that is a reasonable appreciable asset that I only pay property taxes, insurance, and maintenance on.
I will never pay rent and therefore will never see a rent increase.  

That being said, most of my investments have outperformed my home, but I can't live in them. 😜

The best thing about Bitcoin is that you can start your investment with even 10$ and if you don't have huge capital then you can build a good profile by investing in DCA manner i.e. invest 10$ or 100$ per week over a longer period. But if you wan't to buy a home then you defiantly need a large Lump Sum capital.
Real estate is not a bad investment provided you do proper work prior to your investment. The price of house in my country (Pakistan) are always going up and I haven't seen that house price in good locality have gone down significantly.     

You are absolutely correct and I completely agree with you 100 percent, in my countryside if it could be that you have a house in an undeveloped area and as time goes on when such area begins to become developing than before it apparently affect the cost of that house. However, housing can be a good business but there shouldn't be any reason for comparison, perhaps Bitcoin is a digital asset while housing is a physical asset that is entirely not related to Bitcoin and at such wouldn't be a bad idea for diversification especially when one has already made a good size of Bitcoin in order not to be distracted and at such make a hesitant decision.

I don't think you can judge like that, I believe the country where you live is also has high social expectation because it happen everywhere. If you didn't suffer in this social expectation, then I can say you're already above average and you can enjoy your life, unfortunately most people don't have the same privilege.

I thought it only happen in my country, but check this. Well, they don't care in that house because you said there's a shortage of accommodation, so they don't have any other choice.

https://imgvb.com/images/2024/08/14/eb66b2f75ab3e75e09883ff7ed7b5636.png

This may stand true for Americans or some expensive European nations but that's not the case with rest of the world and I can say owning a house is the best investment for many and when I say house I mean having their own land and building a house on it and not the cramped apartments wherein you hardly get any piece of land and die paying the EMIs. People in other countries can afford to have house without mortgages and I have seen people living their life with only one source of income which is the rental income they get from the house they own and rent out. House is basic necessity as we need food, water and shelter to survive even in the worst case situation.

I don't think we should be comparing between Bitcoin and house. Your thoughts may stand true only for selected geographical region but not everywhere.

Buying a home is definitely one of the best investments in terms of income guarantee and peace of mind. It's very simple, you buy a home, get insurance, partner with real estate agencies and they take care of the rest while you sit at your home and get income in your pocket.
Buying a house requires you to be a millionaire, so this market is not for everyone, unlike Bitcoin and cryptocurrencies. For rich people, the real estate market is the best option. Rich people don't need to gamble with their money on crypto, they prefer low but steady, guaranteed profit. Bitcoin is mostly for those who are willing to risk more with the possibility of getting more rewards. We all are different risk-takers.

It sounds great that your property now 2.5x times more than initial price, but actually you only earn $50K. Probably the interest rate already taken your $50K profit, so it can be said that you're paying the same amount like now your house worth.

https://imgvb.com/images/2024/08/14/065024e11675366ad9bb0bc403d1d476.png
https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator

Because there are no reason for them to gamble with the money they have, "their low income" is already bigger than the poor people earn money by gambling shitcoins. If I were millionaire, I would choose the same thing, I can relax, traveling and enjoying the life without being anxious with my investment.

Perhaps OP seems to be biased based on his location or his point of view is dependent on his financial experience in a location but in other parts of the world owning a home or house could be one of your biggest investments just as the first commenter said, personally I live in a place where house profit increase very high every year houses are rated higher than before so if you could make an investment into it it wouldn't be a bad idea.

If you feel it's not wise to buy a house as an investment it's your own view but for someone like me and where I live buying a house is very good and infact it is the interest or profit it generates that turns real estate investors into millionaires over few years perhaps it's also very good to invest in bitcoin which is our aim here in the forum but at some point where you have achieved a good portfolio diversification is necessary.

There's nothing bad in buying or getting a home instead of BTC investment. One can make huge profits from rent yearly to  continually purchase BTC using the dca method. In my country, owning a house is the best investment you can think of, that because you can make so much profits from rentage. So no, it's not a terrible investment at all. Though the cost of building a hux might be very high now due to cost of building materials and labor, one can be rest assured that he will have returns more than what he spent in building his house in less that 10 years of rentage. This money can then be used to purchase BTC.

Is it? Ohhh, I've heard it in the past and you know who those people are? Those are the people who don't even know what's the definition of investment is. Those are the people who don't even have any investment or asset at all. As for me, I also thought it when I don't have any knowledge about investment, but as I learn even more, I realized that it was a wrong mindset. Robert Kiyosaki helped me realized it as well that a home will only be an investment when it gives money to you.

Having your own home is still a good thing, but there are people who prefer renting rather than buying their own home for some reasons. For me, having your own home means having a security for you, your family and your future. Like you said, it provides a place to live, and for me, having a home adds comfort. Now for the subject title, I don't see buying a home as a investment at first place "UNLESS" you will be using that home for rental purposes. If you buy your own home and you will live on it, I don't consider it as an investment, but more of a liability already.

OP, the US is not the entire world. There are 194 other countries out there.

And if you need a place to live you have nothing else to do in the majority of these countries but to buy a house. Otherwise you will be sleeping on a mat in the roads with the risk of being run over by some millionaires lamborgini ;D

So unless you want to land up as a paraplegic, get yourself a house before you start buying bitcoin.

It's good that others have mentioned that the situation can vary greatly depending on the country. Buying houses is usually done by paying the whole price at once in my country because mortgage rates are outrageous and the lack of trust in long-term stability on both sides makes it difficult to go down this road.
Having a place to live in certainly nice. I don't know about houses, but if it's a flat, you don't need to just wait and do nothing, hoping the value will grow in 10 years. You can rent it out in the meantime, enjoying monthly returns on your investment, and then you can sell  it. At least, that's how it works in my country.

If this myth has formed in society, then it means that someone needs it/profits from it.

I suppose, construction companies (the cost of construction is incomparably lower than the selling price) and real estate agencies.

I wonder how much inflation will increase over the same 10 years?

Undoubtedly, owning a home is a financial burden. Which can be optimized if you can make this property bring not passive (imaginary double appreciation in 10 years), but active income (rent), and then it can be called a good investment.

If a house is purchased on credit, then this undoubtedly involves considerable risks.

This is neither good nor bad. It all depends on the situation. If you are a proud homeowner and your home is in a war zone (maybe a natural disaster like a flood or earthquake or a city with a population outflow like Detroit), is that home a good investment? What about bitcoin? What would you choose in that case?

Don't mix these two different functions: a house as a place of residence and a house as an investment.

In this case, a home is a better choice than living in a rental property, which you pay for but don't actually own (unlike buying a home on credit) - money down the drain.

Bitcoin is even easier to pass on as an inheritance.

There is another nuance: once you buy a house, you may want to live (for various reasons) in a completely different place, country and house.

Where I come from, building a house is one of the most important investments to have for your children. Parents do their best to secure housing projects for their children so that in the future, their children can rely on the housing their parents built for them for survival. By so doing, parents have indirectly secured a future investment for their children. Which they can say it's not a terrible investment because it will be passed down to their children to take after them. What their children will do is to put the house in order(maintain it) from time to time.

Buying a home and buying bitcoin are NOT comparable, and honestly it's a bit of a ridiculous topic.  As I've written about many times here before, bitcoin is NOT a replacement for the stock market, gold, home buying etc.  Bitcoin is inherently NOT and investment and it's important to never forget that. 

Why compare two such things?  Last time I checked you can't live in bitcoin.  There's also NO GUARANTEE that bitcoin will continue performing well and to continue to be an asset/investment (though remember, it's inherently NOT one).

Are you talking about buying a house on credit, or investing? When I invest into bitcoin I use the money I already have, not money I have to borrow. This means that to compare these two things we'd have to talk about buying bitcoin or a house with cash for investment purposes.
People who buy a house with cash don't have any interest rates to pay and in many countries you don't pay 1% of the value in tax. I lived in a couple of EU countries in my life and the tax was always a fixed rate per meter. I own a 100m worth about $300k (not counting the land it's on) and I barely pay $1k of property tax per year for it.

What about buying a house for investment + personal use? When you live in it, even if it's only 6 months each year, the numbers look even better.
What about renting it out, even occasionally? A month of renting house to someone can cover property tax for the whole year.

I don't know about other countries but buying a house in my country is definitely a terrible idea.
Firstly, we have to pay tax on our income. Then we buy a property and start paying property tax.
Then we take a home loan and start paying EMIs for the loan.
We contruct the house by purchasing things on which we have to pay more taxes.
Once we are done with the house, if we rent it out to someone else then we have to pay taxes on the rental income as well.
At some point of we decide to sell the house then we have pay tax on that income too.
It's a trap to be honest. We should only buy a home if it's like a dream for us and otherwise we should never consider this option for invesment purpose.

That would be true, except for much of the life of my mortgage the interest paid on my mortgage was tax deductible.  This placed me in the position of exceeding the then much lower standard deduction and allowed me to deduct a much larger range of expenses including work, medical, and charitable contributions.  This came to an end when the mortgage deduction was eliminated and the standard deduction raised - an event that precipitated me paying off the mortgage.

Investing in a house or houses as the case may be will be more profitable in the short run. In the longrun, the house will be subject depreciation and will definitely need constant renovation and maintenance to at least attract tenants. In most cases, the structure of the house becomes old fashioned which may not match the taste of some people who prefer luxurious apartments. The returns a house with an outdated structure would generate will never be compared to what a modern house would generate.

Instead of bothering so much about taxes, depreciation, maintenance bills and low returns as a result of the introduction of modern structures, I would rather choose to invest in bitcoins, hodl them for long and accumulate good returns without stress. Bitcoin is more an investment for the future than buying a house.

I think the argument of whether buying a home is a good investment or not depends entirely on your location. I read Robert Kiyosaki’s Rich Dad Poor Dad and in that book he gave some good reasons why he believes buying a home in the US is not an investment but a liability. His reasons are pretty much the same as the OP.

However that is not the case in my country, Nigeria. Buying a house in Nigeria is a good investment. The value of the land appreciates annually and there is little or no taxes unlike in the US. The most expenses you can have is on renovations and that can be easily covered by the rent.

Buying a house would really be turning out to be an investment or become an asset on the moment that it would really be generating out some income or also it would really be something that becomes
its value to be having that appreciation overtime but we do all know that not all the time this could really happen. Having a house isnt always that pertains about being an investment or whatsoever because
nothing beats out if you do really live into your own house on which you do know that it is yours and there's no one could be able to take it from out. If you've been thinking about having Bitcoin investment
then why would not be making your own house and having another side budget for investing in Bitcoin? It wont really be needing up for you to make things complicated if you could really be able to actually
do both.

Somehow there would really be those instances on which you would really be needing up to choose on which one would really be something worth. If you do find out that buying Bitcoin is much more worth
than on building your own house then go for it. You are the ones who would really be making up your own future when it comes into this aspect. You cant really just that make yourself
be that letting others do make out to dictate on the decisions you would really be making. Just make it sure that you are aware on the risks involved on every steps that you would really be making.

The first two paragraphs I read from your post are enough to discourage me from reading the rest. How can someone say that house investment success is a myth, I can't just reason that. A house is an asset and will always be and be appreciated by most, if not all. Using an ugly incident to generally judge an entire house investment plan to favour Bitcoin is biased. Are you telling me that it is every time Bitcoin appreciates, Bitcoin could disappoint some people with over 4 times devaluation, so what have you proven?

You only cited the bad experience about the house (provided it was not just formulated by you), what about those who bought their lands or built their houses at a location that later delivered to them more than 20 times the amount it was purchased in a few years simply because the place later became a hot cake? This would happen if industries, institutions, factories, and huge facilities were later located in those places to make it an important hub.

What about those people that big banks and companies bought their lands/houses and gained more than 50 times the amount they bought it? Let's stop believing that Bitcoin is the only way out, no one has been to the next 10 years future of Bitcoin, what if it disappoints? A physical structure/asset like a house will always be more reliable than Bitcoin.

The first two paragraphs I read from your post are enough to discourage me from reading the rest. How can someone say that house investment success is a myth, I can't just reason that. A house is an asset and will always be and be appreciated by most, if not all. Using an ugly incident to generally judge an entire house investment plan to favour Bitcoin is biased. Are you telling me that it is every time Bitcoin appreciates, Bitcoin could disappoint some people with over 4 times devaluation, so what have you proven?

You only cited the bad experience about the house (provided it was not just formulated by you), what about those who bought their lands or built their houses at a location that later delivered to them more than 20 times the amount it was purchased in a few years simply because the place later became a hot cake? This would happen if industries, institutions, factories, and huge facilities were later located in those places to make it an important hub.

What about those people that big banks and companies bought their lands/houses and gained more than 50 times the amount they bought it? Let's stop believing that Bitcoin is the only way out, no one has been to the next 10 years future of Bitcoin, what if it disappoints? A physical structure/asset like a house will always be more reliable than Bitcoin.

I am a fan of real estate and owning a house isn't really for everyone to be said as a good investment. If you are going to rent out your house, it is really a passive income that will make you pay your mortgage on top of the appreciation that you'll get there yearly. It's different per country where someone's living. In most urban city areas, it's obvious that the cost of a house terribly skyrocketed and it will continue to go up. But just like the market, it won't be going up forever and there will be a lot of unoccupied houses and developers and governments have to drop it down so that it won't be a waste of resources for them. If someone treats real estate as a terrible investment, that's okay. We've got our very own ways of appreciating investments like in Bitcoin and real estate that can turn into a passive income through Airbnb, renting, etc. Not everyone is privilege to own a house, and there are people that can afford to buy it in cash which is better to avoid further inflation rates and other surcharges.

Hmm... you don't buy a house just to stand it idle are you?  If you do then you are missing out on a huge profit.  If we buy a house and rent it out, we can get a good source of funds since the price for renting increases around 10% yearly in my country.

Since we are thinking of buying properties for investment, it is given that we must take full advantage of the option of earning on such assets renting the place out is the next step on that kind of investment.  It may not be as profitable as buying Bitcoin in the past 10 years but I believe buying properties and renting them out is one of the most profitable investments out there.

Owning a house? For some folks its the ultimate dream - the biggest investment they will ever make.  But I gotta say, that isnt always true and  dont get me wrong, owning your own place has its perks.  But it can also turn into a bit of a money pit before you know it. 

You buy a house and suddenly youre stuck in one place, chained to a 30-year mortgage like a ball and chain.  All those monthly payments youre making dont really add to your net worth neither.  Youre just paying yourself rent.  And while sure your house might gain some value over time, you gotta account for all them new roofs, property taxes, leaky pipes and whatnot that come with being a homeowner.  Take those costs into account and your precious investment probably isnt making you much money at all.

Heck if the housing bubble bursts again, you might end up owing more on your house than what its even worth.  That definitely isnt wealth building in my book.

I agree with you with everything you said. But people are still buying houses in US. Like all these third world countries leaders. They would steal their region money and buy house at US and other parts.
And for the property tax, it is it not working in the third world Nations and only works in the Advance countries.

Well, location will always be a great factor once you decide to buy a house. But if you only buy a house for the purpose of you can call something on your own and you don't make profits from it, I don't think it can still be a good investment. However, if you buy a house and use it as a business like renting it out, that could actually bring you decent profits monthly, so it's certainly a good investment.

Well, if you diversify your investments, this is also a good thing. You can divide your capital in Bitcoin and in buying a piece of land or owning a property in the real world, or starting a business. The benefits of these investments may differ according to each person’s circumstances, the country in which he resides, and his capital. Also, having real-world investments alongside your job can be good for generating monthly returns that you can use to increase your Bitcoin holdings. Do not forget that Bitcoin is a volatile asset and witnesses periods of stagnation based on market sentiment. If you are a long-term investor, you should take advantage of every dip in the market, as these opportunities should not be missed.

As for me, I prefer to invest in Bitcoin because I have always believed in its technology and its great profitable potential, but this does not prevent the fact that financial management must be taken into account to help reduce risks. Also, owning one of the investments in the real world can benefit the Bitcoin investor as it will help him secure his livelihood and the success of his long-term plan.

I think I I agree with you. While owning an apartment isn't a bad thing in itself however if you are building to make profit then go for real estate that is build and sell rather than building to take rent off of it because it would be a very long time before you get back whatever amount you put into it this is the knowledge from real estate developers. Aside this owning a house for itself is not a wise financial decision unless you are looking to make any money from it.

I don't know how life is in the US because although there is a lot of news about the US with all forms of luxury and other favorable factors but when we have never visited there and felt how business there then indeed we cannot comment much except that maybe for real estate investment there it is not very profitable but that cannot be used as a benchmark in other countries.
The potential of building investment cannot be pegged to just one country because it could be that when it cannot run well in one country it will run rapidly in another country including for my country at this time.

Even if you look at the comparison from year to year, investment with land and buildings in my country is currently increasing rapidly in terms of price especially with the current conditions where industrial plants are starting to penetrate so that business for land and buildings is a good progress in my country even though bitcoin is currently starting to be popular in some circles but for real estate there are still very many who do it because even though it takes time and management about it but indeed the progress is still quite good and the benefits are comparable to what they did before.

That is one of the best investments that you could make without actually making an income from it. Normally in most cases if you make an investment you hope for an income from it, with a house you are not going to make a profit from it, even if your house gets 100x value after you buy it, you are going to be living in it, so you can't sell it and if you do that's real estate investment and that can be good or bad, but if we are strictly talking about your own house that you live in, you will not make any income from it at all.

What it gives you instead is a way to not spend more money on it, of course there is HOA or repairs and all that which means that we are not going to get anything out of this, it doesn't mean that we are going to avoid spending anything, but it also means that we are going to have some issues about it one way or another without making any money. It's still the best investment anyone can make, because it gives you a way out of paying rent.

If you buy the house or property in full and you do not use any sort of mortgage to finance the deal, then all you have to do is wait for a few months or years and then you can flip the house for some profit to another investor.

Therefore, it is quite ridiculous to suggest that buying a house is a terrible investment. Real estate is one of the most profitable markets out there. Not as much as Bitcoin obviously, but many people have gotten wealthy off of doing this.

Owning a home means you also own real estate, and it also means you can both generate passive income by renting out your home and own an asset that appreciates over time. In case, if you don't want to rent it to someone else anymore, you can still sell the property at a very high price because real estate always increases over time because the demand for it will never stop increasing. Real estate is the only asset that has the ability to generate compound returns like no other asset can.


If you are a good, law-abiding citizen and want to help build your country then you also need to pay taxes even if you invest in bitcoin, unless you are evading taxes.
Anyone who has ever owned real estate and generated passive income from it will understand how great it is to own real estate.

Where are you from? And according to what you said, in your country no one gets rich from real estate, right? Because I don't see any benefit from owning real estate in your country. If so, then your country is probably the most special because as you can see, the rich people of the previous generation were mostly people who owned a lot of real estate.

Also, do you own a house or are you renting? I do not deny that owning a house will incur some costs that make us feel uncomfortable because I have experienced them. But I am quite certain that owning a house will be more economical and bring benefits many times compared to renting a house.

Yes, I agree with you. Indeed, not all home investments are bad, there are some countries where this investment is actually profitable. In my country, investing in a house or land is very profitable in the next few years, especially if the location is strategic, it may increase 5x in the next 20 years.

In essence, any investment will be an important key for anyone to be able to achieve financial goals in the future. There are many types of investments that you can choose to realize your financial plans in the future. However, until now, property and bitcoin investments are still choices that can bring many abundant profits in the future. So these two investments are very good to be used as future investments in my country. In addition, home investment is also not too bad because a house is a place to live that must be owned by every human being.

Buying a house must need a lot of things need to be considered such as OP given in the statement but in the long term you can do an investment with this if you found a good place and nearby establishment which has easier access to the community, people use those house to make a rent so they can earn back those money and made the home as an investment if you found a tenant make a rent more over 5 years its good because you have an income with that year just the difference with the bitcoin is the quick flip of an asset, in bitcoin you can easily instant sell your money, in house you need to consider tons of documents and entertain possible clients.
In my country having a land or house is ideal its an ease to save money at least for our daily needs just to find basic necessity.

I have purchased (built) my house with cash, if you work hard and most importantly - smart, you can do it.
I'm not looking at what it's worth because I am never selling it but looking at what people pay in the neighborhood I know it's worth at least 5x from when I purchased it.

As for maintenance costs, It's really cheap if you do it right in the first place (good materials), in ~10 years I had only few minor faults that cost me close to nothing.
In my family home that's about 60 years old there was not much needed as well but again, good materials were used.

Here in Europe we build houses with quality in mind (except houses built by developers for sale) and they last 100+ years no problem.
From what I've seen in the USA, the quality is very poor so you may have bigger expanses in terms of maintenance.

I wouldn't sell it even for 100x - it's my home, from time to time I get some real estate dealer cards in my mailbox and once even from some family looking to buy a house (dealer in disguise ?  :D).
If it was for sale, it would be on the market! dumb people  :D


Borrowing against your house (mortgage) is the worst and most idiotic thing you can do in your life, you're better off borrowing money from your local gangsters.
You need to own at least one house for yourself, otherwise you are homeless guy renting apartments (burning money).

As much as securing a roof sounds like a good thing, unfortunately buying or building a house is 90% of the time going to be a liability!

Like OP has already pointed out maintenance expenses to keep house in good shape are unavoidable, if a mortgage is taken you need to keep funds going to paying it off and for any business minded person going this route could mean tying up capital which have been used in other projects to make more money...

But not to discourage this great idea, people should build or buy a house from profits made from a business and not kill the business to buy or build!!!

Well summarized!

OP even though your post looks like making a comparison between having a house as an asset and buying of Bitcoin as an asset too but I feel the appropriate board for this discussion is the economy board.

Now, every one has the kind of investment they wish to own despite if they don't get enough proceeds from it but the reason why some people own physical assets like landed properties is for it to stand as a means of savings for them because in the future they can decide to sell it and make some money from it so not everyone is actually owning properties due to the profits it will generate for them in the future that is why they don't care about the cost of maintenance, taxes and other requirements that is needed for such investment to be sustainable and just like you said, some people also own houses in order for them to pass it on to their offsprings but a house shouldn't be completely seen as a very good means of investment because no matter how you try to maintain it, can lose value in the future because people will prefer modern day houses and by then your own might be seen as old fashioned.
        Would have loved to talk about investing in Bitcoin but since the contents of your post didn't discuss about the need to invest in Bitcoin instead of buying house(s) let me just discard it even though your subject is more like making a comparison.

Overall I think it will all depend on your situation, here in my country buying a home is never a bad idea in my opinion, It has a lot of benefits as well for most people, it is almost a guaranteed profit in the future since the market value of homes is increasing yearly, I mean compared to Bitcoin, Bitcoin can easily be liquid money and has a more volatile market price compared to the value of the homes here, still I would mark the home as a more guaranteed profit than buying Bitcoin, even though the potential profit could be higher on Bitcoin investments.

Depending on the investors, for example, I have a small Bitcoin investment but still my goal is to buy my own home or real estate, When I'm able to earn a good amount of profit on my Bitcoin investment my goal is still to buy a property or house something like that, Because in the end it is a tangible assets, anybody can argue that this property might not be a good investment since if I buy a house I might not sell it, or I don't have any intention to sell it in the future for profit, but still I have that option just in case, plus I could make it a passive income if I really wanted to like a rental apartment thing that could generate me a passive income.

So right now, I am going to invest everything in Bitcoin since it is the best option for me right now, and probably that is where I could generate a profit in the future, and the end goal is buying real estate. This was easy since both are not going to be a bad decision what ever you pick between the two, just buy whatever makes sense for your situation right now, research the law, value, market, etc. on Bitcoin and property, whatever you think is going to generate a higher profit or depend on your needs just invest on it, In the end, the important thing is your doing your best to invest for your future.

The house that I paid nearly a thousand dollars a month for for twenty years (including taxes and insurance) is now owned free and clear.
If I had to rent it today I would be paying around two thousand a month.  My yearly taxes and insurance are the equivalent of two months rent.
Yes, I do have to pay maintenance when things need repair and the utilities I consume, but I also own an asset worth almost half a million dollars.

What I can say about my places is that houses are the best investment, not only financially but also for your future children. Buying a house requires a lot of funds, but once you purchase it, its price increases over time, often doubling. Every year, house prices do not decrease; in fact, they increase, and a good investment is one where demand goes upward every year.

So, in this way, buying a house is not a bad idea at all. When you talk about taxes, remember that everything you earn in a country will incur some taxes to the government, and this tax will not be included in your profit, meaning your profit will cover this tax.

The economic policy and reality is different in different countries. We don't need to generalize with US in mind. There are alot countries which do not pay tax on landed properties. So, in such countries, it is good to buy or build a home.

You only buy or build a home if you actually need it and not necessarily because you want to do it. There are alot of investment opportunities and bitcoin is one of them and volatile in that matter. So, bitcoin is not the end of investment.

For someone who is paying a huge amount of money on rents annually, they know the pain of not owning a house of their own so I want you to know that there is peace and dignity in having your own house even if it's not for investment purposes but shelter is very important in the life of humans however, I want to make it clear that regardless of the fact that bitcoin is a good investment that will stand the test of time, having physical assets likes houses and real estate is a very lucrative investment that can propel you for life if managed very well so for buying or building of houses, it is sacrosanct like it is a obligation that every man wishes to fulfill in life.

However, Having your own house gives you comfort of your own even if it isn't giving you profits but your children will live to inherit them and be proud of you. Investing in Bitcoin it good but how does it feels that you have a huge amount of Bitcoins in your portfolio and you don't own a house?

But there are sayings that renting a house is amuch more cheaper rather than on owning an house and this is why it would really be that normal that there would really be those individuals who would really be that much prefer on renting rather than on paying up their amortization for a long time. This is why it would really be that having those conditions that they would really be considering on having that other options on which they could really be able to take and mind off on where they could really be able to save up. As for the subject in between buying up a house or making up some Bitcoin investment then i would say that this would really be that preferred on someones options on which we know that when it comes into this aspect then it would really be that hard specially if you are really that eager on investing into Bitcoin.

Its not really that bad to consider out such option on which we know that when it comes to this manner then you would really be definitely be thinking up on which one would really be worth and which one
would really be that something that you will really be able to make yourself having that kind of advantage among the two. This is why choices will really be that basing up into someones
choice and its impossible that you cant really be able to make yourself wary at least.

Most persons I know try to make some income from their first building. They rent the apartments and the cash flow from the property gives them the ability to DCA and buy bitcoins conveniently. Buying a house for sentimental reasons like comfort, peace and dignity should be considered only when you have acquired a certain amount of wealth to be able to afford such an expensive project. If you spend 30k USD to build a your dream house today, and someone bought bitcoin at the same time. In 10 years, who would have made more profit from their investment?   

I believe no one wants to end up living in rented apartments forever, so even if you decide to pay rents and save up money for other investments, the need to own a house will eventually come up in the future especially for someone who has a family of their own however, everyone is at liberty to how they want to live their life inasmuch as it doesn't lead them to any unnecessary pressure.


Just like I said initially, between choosing to own an investment in Bitcoin or acquiring a house in form of an asset, time will come when we definitely gonna wish to have our own houses.


Sure but let's not make it look like investing in a landed property will be a waste of time no matter the choices of anyone.


You made a lot of sense but there is a wise saying that our elderly ones do tell us that "we shouldn't use because it's about to rain and throw away the water we have in our bowl" which means that for the fact that we are looking for an investment that we can achieve all our dreams in the future should not make us not to consider things that we can be capable of doing for ourselves now. Bitcoin investments is the best but we shouldn't deny ourselves comfort and relaxation just because of our confidence in the ability of Bitcoin investment changing our lives and status however, Bitcoin investment is promising but the question is how many people are ready to pay the price of HODLing for long term profits? of course very few as majority are after what they can achieve in the short run so let's be realistic.

 Just like you said earlier building or buying a house and use the dividends that comes from it to buy Bitcoin using the DCA is the best decision anyone can take because you have a house of your own and still making a continuous investment in Bitcoin without it affecting your other needs.

You are neglecting that if you do not buy a home you need to rent something.

So a home purchased at 150k in 1994 that is now 650k gained at

5%

Obviously there is maintenance, heat bill , insurance blah blah blah

but try renting for 30 years

my home is close to the 150 to 650 I mention.

MY home used to rent for 800 a month

with you paying heat electric and blah blah blah

my home now rents at 4000 a month

so 800 + 4000 = 4800/2

2400 a month more or less is spent for 30 years.

that is 2400 x 12 x 30 = 864,000 paid in rent and you got nothing to show for it.

So you should simply lock your thread as it is completely wrong to a point of total ridiculousness.

It's not only your place but everywhere house is something that we all need and can do without because we need to protect our selfs from elements and also for security so it's a very good investment because if you are tired of owning a home you can also decide to sell it so their are a lot of benefit from owning a house. Or they can inherit it because if you look at the amount been projected to buy a house now is huge so those that already have a house don't know what God have done for them because, even rent is in a rise and landlords are also affected by inflation and hyper price of everything so they are also looking for ways to also make more money I just wonder how we are going to continue surviving in this economy like this were everything is bad.

I have not seen the price of houses decreasing so and any investment that is not affected for the price to come down is actually a very good investment. And with all this taxes the government are not even helping matters, we need to work hard to be able to maintain all this financial crisis we are all going through high taxes and how everything is just expensive.

Everyone needs a house for them to live with their family and as you have said everyone needs a place to live as a shelter and also as the most comfortable place to rest after being tired from the work we do and we all realize that a house is a very useful investment for ourselves and also other family members but for now if we do not have enough funds to own a house of course we have to rent it and we have to keep saving to be able to own a house because by continuing to rent it of course this will be very difficult for us when the price of the house we rent continues to increase so that we have to keep moving according to our ability to rent it but by owning a house this will be better and we no longer need to think about the rental price every year.

It is true that there is no decrease in house prices and in fact it is not uncommon for us to see house prices continue to increase as long as the location continues to become more densely populated, tax increases of course this will be a burden on anyone and we must be able to survive in a situation like this by continuing to work to be able to meet all the needs we need.

i don't think investing in a house is that bad, maybe in some locations it is bad, but we can't generalize all places because there are very good places to invest in a house, for example in my city there is an area with a 20% increase in house prices due to the construction of an airport there. so investing in a house can be more profitable or not depending on the location.

Investing money in a house in my opinion is not a bad thing. Because we all know that every year house prices continue to increase. This is because the price of land, building raw materials and house construction services is getting more expensive every year. So it is not surprising that house prices increase quite significantly every year. Therefore, if we have money and invest it in a house, I think that is a pretty good idea too. Even though it is true that if we invest in a house, there will definitely be repair costs and taxes. However, in my opinion, this can be overcome by investing in a period that is not too long (1-5 years). So, when the house is sold, it is likely that there will be no more repairs that require large costs. Because as far as I know, if you buy a newly built house, there will be no significant damage within 5 years. So, I think a technique like this will be very effective for investing in a house.

Then if we compare bitcoin investment with investment in buying a house. It's clear if you look at the current bitcoin cycle, bitcoin is more profitable. However, what is clear is that these two investment assets can be said to be quite good at the moment, so I personally am also running these two investments. Because in essence both investment assets will be very profitable and have their respective advantages.

I have a friend who currently owns more than 30 motel rooms and each month they bring him thousands of dollars, this is a source of passive income that everyone dreams of. Although it will take him a long time to recover his capital, in the long run it will bring him more benefits than you think. In addition to passive income from rental, he is also the owner of that huge block of real estate and can sell it any time he wants.

It can be said that real estate business brings many benefits whether you use it to rent or build and sell, it will all depend on the amount of capital you have as well as your preferences.

In addition, I think owning a house to live in is many times better than renting a house. Real estate values ​​are increasing over time and our money is losing value every day. Renting a house is not a wise decision unless we cannot afford to own a house.

OP, the argument you made has too many assumptions built into it, and one of them seems to be that home buyers aren't putting any sort of down payment on the houses they buy.  The standard has always been 20% (and yes I know that isn't always adhered to), and that would mean buyers have equity even before they pay that *assumed* 6% mortgage that eats up the *assumed* 6% yearly price gain.

And man, I'm tellin' ya.  There might be some legitimate reasons why you wouldn't want to own a home, but comparing the purchase of one to bitcoin investing seems ludicrous to me.  That ignores the myriad reasons why people buy houses in the first place, and it's like saying "keep renting and dealing with all of the separate problems of being a tenant and buy an extremely speculative, relatively new and notoriously volatile asset instead".  That has me slapping my head.

This is just your own thoughts though, because it's already proven that nothing beats landed property, especially a house, yea it's very true that owning a house might not be that appealing to you base on your location, but in my own location, especially in Africa, if you are a house owner in the a very good populated (city)environment, bro, you have actually struck gold.

I know that their are people that will definitely argue that owning a Bitcoin is better based on it potential in the future and it's ability to appreciate in value overtime, but owning a house can really make you a fortune in terms of rents if it's been own in a very good environment in a populated city where good accomodations are scarce, so it all boils down to the angle you are seeing it from, but as for me, I will choose owning a house over Bitcoin everyday, because houses are asset that also appreciate in value overtime.

Believe me, for some its a terrible investment and for others its a lucrative business, now let me ask you, isn't this the same experience with other businesses every where? You just have to find the one that fits who you are, I know people that hated ever building houses for business sake, and I know those that are living so well today thanks to home business.

Whatever the business is, we all can't get the same result, countries varies, and location matters too, we definitively can't get the same result, businesses are all risky, you need to take a step first and see what happens, if a business is bad for you it might be good for me, but honestly Bitcoin just stands out from all available businesses in the world today.

As per who I am and what I have seen in this life I am best fit with Bitcoin investment than  anything else, still this doesn't mean I don't have some offline business too, I believe this is the best plan for me.

Real estate is clearly an investment, the best asset recognized by the whole world, not just us. But our biggest barrier when it comes to real estate is money, we don't have too much money to own it. So it would be ridiculous for us to say that owning real estate is meaningless or that it cannot be compared to investing in bitcoin.

I bet that if any of us made a big profit from our bitcoin investment, the first thing they would do is buy real estate and build a house. Simply because it is not just a normal investment but it is also an essential need that anyone needs. People who say they don't need real estate, they just want bitcoin are just trying to deceive themselves and they still can't afford to own real estate  ;) ;) ;).

Well whatever you have said is at your own view but as much as I know, investing on Bitcoin and investing on real estate such as housing are considered great course to store your values against global inflations.

The exciting approach of investing on housing is that when there is economy inflation, its values appreciates and when there is economy deflation, it keeps s stable value that means housing investments curves a hedge to appreciate in values nomatter the condition of the economy and your taxes depends on your income which means when you are over taxed as a house owner, the value of your profits increases.

I think you misunderstood the proverb. It teaches us that you do not lose what you have because of that which you are expecting. In this context, you do not yet have a land property or bitcoin but you have the means to acquire either one of them. Personally, I would choose to buy bitcoin because I do not need a house right now. The case may be different for a man in my country, they are burdened with the responsibility of providing for their immediate and extended family. And in my culture, owning your own home indicates that you are doing well for yourself. That is why I say most people buy a home for sentimental reasons.

This is a survey published in October 2023 and looking at the image you can easily see that the super rich and the world's leading investors are focusing largely on housing and real estate. That shows how great the potential of real estate and housing is. Meanwhile, cryptocurrency only accounts for 1% and according to you investing in bitcoin is better than real estate, does this mean you are saying that those rich people are dumber than us? Stupid people are making a lot of money while the rest of us are struggling to make a living, are you sure about this?

Maybe bitcoin is the best investment for us but certainly not the best investment in the world, so let's make a fair comparison instead of an unfair comparison. Unfair comparisons to gold or real estate won't make people invest more in bitcoin, you should stop making those comparisons.

https://www.talkimg.com/images/2024/08/16/7ML25.jpeg

https://www.visualcapitalist.com/visualizing-the-investments-of-the-ultra-wealthy/

So that means depend on your current needs. investors would really go on buying bitcoins since lucrative investment than buying a house. But for me if I'm capable to buy home I will start on this first. Because for me I need to secure myself first and be stable without worrying about paying rent. We can always work to gain money then use it for investment. Since if we fail I believe that we might lost everything including a chance to get a house.

Although I understand what people mean that they pay attention first on investment, but I'm afraid of other consequences especially if I'm not stable so I will go on more secure things first then work on more riskier since for sure that we will get less pressure if we bought those things that we want.

Folks, owning a home is great, its everyone's dream, right? Still, its not usually the best financial decision. Taxes, maintenance, you name it; the expenses go up. And inflation chews at your investment. People, it's simple math here.

Bitcoin now is a different narrative. Not bound to any physical location or government, this is a digital asset. Like gold, it is rare but even more valuable as you may transmit it anyplace in the globe right away. That will define finance going forward.

People get scared because it's new, it's different. But that's where the big opportunities are. Bitcoin is leading the way; the globe is changing, technology is evolving as well. Making money is only one aspect; another is becoming a part of something greater, something that will transform the planet.

Indeed, if you want the white picket fence, definitely buy a house. But you have to be looking at Bitcoin if you wish to be ahead of the curve, if you want to participate in the future. That investment is the smartest one you could make.

Owning a home is not a bad idea if you can afford it or if you are ready to pay off your mortgage in 15-30 years, you cannot always look at the expenses, take note that you are also getting a home that you would live in with your family, and you never have to pay for rent again. However, one should only go for a home if you know you won't default on your mortgage payments.
BTC has its advantages, but i don't think buying BTC should stop one from dreaming or trying to have their own home, except one has decided to always pay rent all their lives, if not, at one time in life, we must consider owning our own home.

Give me an example to prove that inflation is reducing real estate values ​​because this is the first time I've heard someone say that real estate is decreasing in value over time. An asset also has a limited supply and cannot be created more while the demand for it has never stopped because the world population is constantly increasing.



Bitcoin really has great potential and we should not miss this rare opportunity. We invest in bitcoin these days just like our parents' generation had the opportunity to invest in gold or real estate in the past, when things were unclear and people were skeptical. It can be said that investing in bitcoin is risky but it is worth a try.

But saying that doesn't mean real estate no longer has potential, the problem with real estate is that it has become too luxurious for us. Investing in it is too expensive and not everyone has enough capital to invest in it, so we need to find an alternative and bitcoin should be the choice.

I understand what you say but there are always nuances at work, since you are comparing the average rate at which a house may appreciate against bitcoin, when there are places in which real estate may have grown at a rate much higher than that, besides one of the advantages of real estate is that if you can rent your property, then you can offset some of those costs and increase your profits this way, while you also generate some cash inflow.

If you are really looking to make this into a business and not just avoid rent type of way, then you need to realize that you are not only investing into one house, you are investing into a business. So, that logic means that you are going to end up making a profit by just making the house better, otherwise if you are only buying it for buying sake and just because you have the money then that makes no sense at all.

Think about it this way, you buy a house at 150k valuation, and then put in another 50k, so you spent 200k, even if you didn't "spend" 200k, if you just paid 50k of the house and 50k for the renovations meaning spent 50% of it and the rest is loans, then the house should be worth 250k+ at least, with those renovations. That's the profit, because if you just buy and then expect anyone to buy from you for higher without doing anything else then that won't work. You need to keep on growing that too, with that profit get two more houses and work on them, then sell those and get three more, that's how you grow as a business.

Nailed the thing about half-truths!
The thing is that you can't generalize this thing, the rent/mortgage situation is one in Germany and one in Romania, when I look at EU data it's like the total opposite in everything, but even so, Frankfurt vs Berlin is again different story, city center or rural area another.

Those damn things are so complicated and then we have the time frame, buying a house vs Bitcoin in 2010 is a different story from doing so in 2019, yeah 3x sounds damn good but once you factor in other costs and inflation and rise in some cases that are 50% it stops being so miraculously good, not even counting other aspects like your whole damn personal life.


So you're telling me that housing prices have stayed the same for the last four years?
I don't know where you live but in most cases, real estate growth has beaten inflation by a huge margin.

Well, like the first comment already highlighted, investing in landed properties like house might not be profitable in other country but in some other countries it is. In my country, there are some cities you will buy a house and before you know it, you have already realized the capital spent in buying the house and will then be taking your profit. Some people don't like to invest into Bitcoin because they don't like assets that are too volatile and some people that already invested in landed properties like house are satisfied with the profit they are getting.

I don't think there is any place in the world where real estate is not profitable, at least the value is going to keep going up, the only thing is the speed at which it rises. Some areas, especially in the city would rise faster and real estate will be more expensive there, but even in rural areas, the value isn't going to depreciate.

Well for some that are into the real estate business, buying a home or property might count for an investment, especially when you have that at some strategic locations. Like you can say for most of the McDonalds. It didn’t just become where you get meals but, the sites they are found have some great value to it.

We are talking about homes though so yeah, in one instance, you get to not pay rent and you have a property you can resell should you see the need. Basically it’s where you just choose to lay your head but, it isn’t a wrong decision choosing between either. I don’t really consider my home for an investment, it’s where I live and that’s it.

like I said if I rented my exact house I would have laid out 840,000 cash to pay it.

I purchased it for 150 put 100k down and took a 50k mortgage.

I paid it in 7 years. Rates were high 7 7/8% . 

I would say the house cost 150,000 the loan paid off cost me 15000 in interest.

so 165,000 add improvements 75,000 brings me to 240,000.

since I am comparing it to renting the same house.

fuel, phone, electric are a push.

renting was about 840,000 and you have nothing to show for it.

I laid out 240,000 and lets talk taxes 2300 is now 9700 so

2300+9700 = 12000/2 = 6,000 a year for 30 years.

add that to 240,000 = 420,000 if I sell at 650,000

 I am up 230,000 if I rent I am down 840,000 with nothing coming.

So I ask anyone. buy the house live there 30 years. walk away with 650,000 and you laid out 420,000.  the pile you have in you pocket is 650,000 the profit is 230,000


rent for 30 years walk away with 0 and you laid out 840,000

so same house you lived in it for 30 years.

you paid for it you walk away with 650,000 and a 230,000 profit.
you rent it you walk away with 0 and you paid 840,000

now my case above was large down payment and pay it of quickly.

so where did my wife invest in the case above.

we paid that 30 year mortgage in 7 years.

first two years we never ate at a restaurant and used that to pay the mortgage fast. so our interest cost on paying a house was only 15,000

I can tell you paying off a 7 7/8 % loan in 7 years not 30 is a way to invest that really really really works and it fucks the bank in a legal manner.

I'm not sure of the rents there but here in Pakistan rents are from a decent home 2 bedrooms to 4 bedrooms for under $100 or a $120, and if you go a little higher it would be around 5 to 8 bedrooms and a hall etc etc $150. This is other than Gas, Electricity and Water supply utility costs.

Buying a House is never a stupid investment ever, i would say haha sell if you can to buy a House first.

Haha, TBH in my view house is not a luxury, it's a basic need of life, you need a home, i know the true value of my Own Home vs a rental Home because currently I'm on rent, even though if we make calculations to spend life rental home is not a bad investment, you paying rent every month looks more profitable compared to the Buying a house for living, I'm not sure how people process things like that in the west but here as we mostly Live in a joint family system where we stay our most of life with parents and even 90% after marriage as well we spend our life with parents and brothers, Sisters.

Home is like the hope, i know investing 100k bucks in BTC or more is worth it compared to investing such an amount into the house but rather than running for the luxuries and showing off a decent house with most of the facilities is worth investing compared to Bitcoin, my current goal is to learn and earn by different strategies and after developing a decent portfolio I will go for buying a decent house to fulfill my family needs.

I am from India and I am currently living in a rented propperty. Yes, there is no real benefit owning real estate in current date.
Yet, there are people out there who benefit from real estate trading since they are able to crack some nice deals in real estate sector due to finding the right locations.
But other than that if we look at it from investment perspective then we can opt for alternatives.

if we calculate it in a short time, it does look detrimental. However, try to think about it in detail, apart from investing, you have a comfortable place to live. Apart from that, my friend has several houses that he rents out, and makes monthly and even annual profits from them. After that, take into account that after a few years, that house can be worth many times more, in fact, we can make it into a luxury house and sell it for more.
However, each form of investment has advantages and disadvantages. However, I think, investing in real estate, or houses is not a wrong thing. In fact, I think that is a very good goal after being successful in the crypto field. Apart from that, if we talk about disadvantages, Bitcoin also has disadvantages, especially for people who are impatient, or people who tend to panic. So, I think it's all a matter of compatibility in investing.

I think I’d buy the home whenever I am given the chance.

I don’t know what’s going to happen to btc 10 years later but I know the home will be there making me money through tenants. (Considering no earthquake or tornado will hit it)

People buy stocks and crypto because they don’t have a reliable income anyway. They treat these assets as lottery tickets. If they could, I am pretty sure most of them would choose a house over crypto and stocks.

The thing with housing is that is a special kind of asset. You need to live somewhere, and if you keep renting forever, you will probably have a hard time retiring.

Fiat money decreases its purchasing power over time of course, so that means that if you buy a home, you freeze the price of that asset at that point in time, so it gets cheaper and cheaper over time for you. Compared to that, if you keep renting, rent will continue to go up over time, because money is devalued.

So, in a way, buying one home seems to be a smart investment.

Whatever you do after that is open to personal preferences, Bitcoin, real estate, gold, etc.

I consider crypto to be very fragile investment, one moment you could be millionaire and next moment your wallet gets wiped out cause your seed phrase was somehow compromised, so I consider diversifying into real estate deffo a wise choice.

You are right, that's why I don't agree with the OP's idea, saying that "buying a house is a terrible investment when compared to Bitcoin." What he doesn't understand is that the volatility of real estate and Bitcoin investment is very much different. The fact that real estate might take lot of time for its value to keep appreciating doesn't make it a terrible investment. The area where I grow up from, if my Dad had bought a plot of land for me twenty years ago as an investment for his son, I would have become a millionaire today because then, a plot of land was very cheap that even the price of all the gift I received as a baby, would have been able to purchase a plot then. Investment is all about patient and having a good knowledge about the asset.

Isn’t it the same thing if you’re careless with your banking information? Banks are not going to refund your money if your account is hacked due to your negligence. The bank will say you gave permission, case closed. I thought you were going to say the volatility of bitcoin makes it a risky investment. Real estate is not a bad investment either, I would love to own a hotel or a service apartment. And I would not mind selling my bitcoins to be able to afford it.

Before buying a house, save the money and pay for it at once without creating long term debt along the next decades. As I see, the terrible idea isn't to buy a house, but to buy a house on credit. And the same goes for any other thing you are going to acquire. Do your best to always pay at sight, while asking for a discount. Only buy on credit if there aren't any interest rates going to be charged from you.

Buying a house is a great investment which is much more stable and safe than holding Bitcoin, although both categories of investment are totally different. Each of them have their respective pros, and just like any other investments, the more volatile an investment is, more promising the potential profit can be, while more stable investments tend to be less profitable.

I don't quite understand what you mean by crypto. But if you're trying to explain Bitcoin, you've run into a misconception. If you're talking about shitcoins, you'd be mostly right. Because Bitcoin and Shitcoin are both volatile in nature but their recoveries are very different. Bitcoin is different from all other coins in terms of recovery. Because, while Bitcoin price recovery is guaranteed, you cannot guarantee Shitcoin price recovery. Even when Bitcoin started to recover, it was able to increase in value by almost 2 times.

If you can be careful with your wallet, and hold your purchased bitcoins for a long time, I think investing in bitcoins can be better than real estate. On the other hand, if you are considering investing in other cryptos (shitcoins), diversifying into real estate defo may be wise. Remember, the possibility of losing is everywhere, but you need to take steps to protect your money. I think Bitcoin is the most advanced in this respect.

I think the creator of this thread should stop giving people reasons not to own a house, everyone's dream is to grow into an adult and be financially capable of owning their own homes, moreover the benefits he stated is enough reason for people to own a house or houses.
 Real Estate is a very lucrative investment infact one of the best in modern times, It's nice to trust Bitcoin and believe it's potential but that does mean he should be giving people the impression that there are no good investments asides Bitcoin, I respect his opinion concerning both but his statement is wrong cause every good investor should be open to diversification.

If you aren’t responsible with such a risky investment like bitcoin, you will definitely lose your funds in the end. Same with fiat savings in a bank, if you carelessly disclosed it to some strangers, you will wake up one day with zero balance in your account. In all investments that contain risks, one should be aware about risk management to avoid future losses and regrets.

However, I believe real estate is a very profitable investment that makes it a safe haven. But when it comes to bitcoin investment, its potential profits may surpass the real estate once hold for longer years. Furthermore, if you’ve gained life changing profits from bitcoin and use a part of it to acquire real estate property, that would be an even wiser investment. Multiple investments create multiple profits, than to rely on a single one.

I believe liberty made such statements based on his information and knowledge about cryptocurrency investment because at some point in time he did mention that cryptocurrency is a frigile investment which to me is somewhat out of proportion because, even though cryptocurrency doesn't have physical representation that doesn't have anything to do with it security of investment, and for any sensitive individuals, protecting your cryptocurrency investment is same as you protect all other internet related security, just like your email, banking informations, and the rest of all the other sensitive informations, you use online.

Believe me or not, but the only country where owning a house is a massive liability's the US. Everywhere else, it's still seen as the pinnacle of ownership. Philippines even provide multiple programs for regular 9-5ers to be able to own their own home, most of the time with no need to file mortgages or whatever you guys in the US do to have the money to buy a house. And even when we do acquire the house itself, with how populous places are becoming in my country it's so easy to have them be occupied, long as it's not in a high-risk zone and it's not prone to floods.

Owning a house is not a bad thing, especially if it's to build your own business, or to house your own family. You just happened to be in a country where banks take advantage of every little thing they can make money out of.

I completely agree with this. Buying a home for living in it is a different thing, and buying a property as an investment is a different thing and we need to know what we are talking about here. A person willing to buy a property because he has enough money to do that is never a good idea. No doubt, Bitcoin is a great investment because it tends to provide ROI way quicker than traditional investment options, but that doesn't mean real estate businesses aren't profitable.

As said by Fiatless, in our country as well, you don't pay that much money in taxes each year, and if your property is in a good location, the price will appreciate pretty quickly unless you have bought your place in a location where there isn't much population hence not enough demand for properties.

That being said, real estate investments might not be for everyone, but those who can afford to do it, it can be a great way to diversify your investments and build future assets.

From the word itself in between a liability and an asset then both things would really be that entirely be different and this is why when it comes to decision making about having some investment then of course it would really be that something more worth rather than on buying up something on which you do know that it cant be that used or something that would be beneficial. Somehow there would really be those individuals who would really be that wishing to have their own houses for their own family and something that they can call it home. This is why not all buying housing decisions would really be considered bad, it would really be just that according to so someones goal and plans that they are really that trying out to make it happen. This is why there would really be conditions on which needs up to have that exemption at least.
On the time that you do have the money and you are in torn in between investing with Bitcoin or having a new house then you should really be needing up to assess such condition on which making
up decisions such as this wont really be simple nor easy and this is why proper planning and thinking is really necessary. It would really be that according into your needs or you would be still prioritizing
on having investment and save out those wishes later on?

Buying a house can only be a great investment if you are making consistent profits out from it. But if you just buy your house so you can have your own shelter for your family, I don't see it as an investment either. It's actually a necessity for survival.

However, if you plan to sell it in the future and make some good renovations, it could be an investment but it's nothing compared to bitcoin investment wherein you can buy low and turn 5x or 10x your profits in the future.

Investing in crypto can be a good business for us if we know when to buy and when to sell to keep making our profits. Comparing cryptocurrency investment to buying a house for rentage is a thing of understanding and how to go about it for us to make our money. Real estate is a good and lucrative business we can invest money and make huge profits over a period of time same thing with investing in crypto.

 It is good we don't have to put our fruits into a single basket because it can be very risky for us. The last bear market took more than 2 years for the market to recover so if we have invested funds in other businesses, that could be a good opportunity to make money while waiting for the bear market in cryptocurrency to go bullish so we can earn too. Diversification of investment should be our priority!

Per CNBC (a top financial news outlet in the US), 82% of recent home buyers  in the US say they regret their purchase.
44% say they have to keep getting into deeper and deeper debt to maintain their standard of living.

Why Homeowners Are Struggling To Afford Monthly Expenses (Aug 5, 2024)
www.youtube.com/watch?v=7dCfvhvX3K0


Keep in mind, home ownership in America used to be much easier and much more affordable 30 or 40 years ago.
But today it is out of reach and/or too burdensome for most people. The housing market is probably even worse in many Asian countries.

Just because you own a valuable house doesn't mean you are financially well off. The wealth represented by your home is only on paper and realized only when you sell it. The rise in home ownership costs has far outpaced wages creating an affordability crisis. There is a saying "house rich, cash poor." The expenses of home ownership  are endless. Property tax, homeowner insurance, flood and fire insurance, maintenance costs (both expected and unexpected), mortgage principal and interest, etc.

When the value of your house goes up, so do your property taxes and other costs since property taxes are based on the assessed value of your home. On top of that, local government can decide to raise your property taxes at anytime for any reason, giving you another nasty surprise.
If you can't or won't pay it? They seize your house and kick you to the curb. Property taxes rarely if ever go down, only up.

What scares me about home ownership is being exposed to the tyranny of local government, who look at you as just another target for legalized extortion.

And what happens if you suddenly get laid off or lose your job with no means of paying your mortgage, property taxes, etc? Well I guess you can kiss your house goodbye.

And the total of all the cost of owning the house will continue to swell if it is not paid, the homeowner's finances are very emergency if it is like that and if he does not have a worthy job then he will lose the house, is that so?

Luckily I live in Indonesia, I have a house that I bought from my job in crypto, and it wasn't too expensive, only about $30k at the time.
The taxes I pay each year are only $2 and there are no extras. I live in a village and there are no other taxes or any insurance.

The homeownership system in America and Indonesia is certainly very different.
And I can buy a house at a low price and without any additional costs, and I can buy Bitcoin for a long-term investment, Both can be mutually beneficial.

When you own your own home, without a mortgage, your living costs are reduced dramatically.

This is because housing is the largest expense for the vast majority of people.

Once you remove that cost, you will be able to invest more money, which will generate more money to you, and so on.

Therefore, the idea of owning a home is great, financially speaking.

Now, if you got a massive mortgage, and you are struggling to pay it every month, and will continue to do so for the next 30 years, then you are simply renting from the bank, with added expenses. You might even lose your home in those 30 years if you can't keep up.

Owning a home is not the problem, having a massive debt is.

when we can own a house, it is a matter of pride in my country, let alone having a luxurious house unlike any other,
There is nothing wrong with investing in Bitcoin or housing because everyone has their own views, but maybe some people prioritize owning a house first rather than owning Bitcoin

In the country where I live, the numbers are about the same, which means that the conclusions about investing in a house and not buying cryptocurrencies can be made similar to what you did.
I agree that a house has not been a good investment for a long time, because now we live in a time when it is better to have a deposit in cryptocurrency. And there are many financial instruments, such as staking, so that this deposit adds even more money. In my opinion, this is much better than investing in real estate.

Difference between asset and liability? Simple. One makes you money, the other costs. Some say a house is always valuable. It can be an asset, but high maintenance costs, property taxes, and market risk make it a money hole. Bitcoin, however, is authentic. This asset is revolutionary. The growth potential makes real estate look like a piggy bank. The future of money is being discussed.

Bitcoin's volatility is the risk you want - it has huge upside. It need vision to see beyond short-term volatility and see the big picture.

If you're torn between buying another rental property or investing in Bitcoin, ask yourself: are you playing the old game or ready for the future? Bitcoin goes beyond investing; it's a message. It means you accept the future without fear.

more than that, owning a house will make you have to pay the tax for the land and also the building itself. I don't live in America, but that's the case here at my country. if we rent it out, we have to pay for the maintenance also.

I think if we use property as our main source of investment, it isn't worthy, especially if we own the home personally. it also will take a quite long time for the ROI.

Considering only the profit from an investment is not the ideal way to evaluate it. Investing in cryptocurrencies might be more profitable than real estate but you should also consider the level of risk they have. It is easier to lose money from investing in crypto than real estate. There is also a high level of scam and security risks in crypto investment. Another advantage crypto investment has over real estate is that it doesn't need maintenance or high taxes like the latter. However, investment is based on personal choice and location. Some people are not just comfortable with the real estate business because it can also be stressful and complicated.     

Buying a Home has many benefits as you can live there and save the amount you have to pay for rental (in case you don’t have your own place to live), you can rent your home and get good rental amount which us another source of earning for you and this is the safest investment as you will get 5-6% increment in USA while in development countries you will earn 30-35% increase per year. Investing in Bitcoin is risky you can loose your capital amount or you can get double amount in return if market is green.

Having Bitcoin is really important, in my opinion it’s the best investment there is. You can’t live in a Bitcoin though & many of us have families. Renting is expensive & a total waste of money. If you can afford to buy a house & also buy Bitcoin then do it.

On every other aspects of your comment, you are right but the last paragraph where you said one can lose all his or her capital in bitcoin is somewhat wrong, because when you investe in bitcoin, you only lose your capital amount of bitcoin if you sell your bitcoin below the price you bought it, because if even though the price of bitcoin crashes down, you keep holding your bitcoin, you have not lose anything yet, you lose only when you sell it off and bitcoin have shown on multiple occasions how bitcoin recover back always each time the price drop, so all that it takes is to have patience in the market that it will recover a d also to be able to wait.
I. Bitcoin, you don't lose money but you can lose time and that is why, before investing in bitcoin, there is the need to have that basic understanding that there is no short term approach that work for bitcoin unless you just want to gamble, if not, there is only one way up which is the long term approach.

Buying or not buying a house is always a difficult thread, and I would say it really depends on the personal financial and family situation. I'm currently renting and the day I will buy a house it will be because I actually want to live the rest of my life in that house, I wouldn't buy it as an investment. In that case I wouldn't mind spending my investments because otherwise what's the point, taking them to the grave?

Otherwise I agree that just buying a random house as investment is not the best choice, there are better investments out there.

Yes, why not take advantage of both, and there are a lot of people who really made money buying home and flipping it, so for me still a good investment. Plus if you can rent it, then for sure you will have a passive income monthly and then you continue to grow and maybe you save enough money to buy another property, rinse and repeat.

Bitcoin is also a good investment obviously as we are all here. But you have to understand that we have bear and bull market, so it's not like that you are going to make passive income. You have to wait for years to be able to maximized your profits.

This makes sense if you are going to have it rented much higher than your mortgage monthly. I am seeing people does this and increases their cash flow but it doesn't go like that for the most. The best benefit that one can have is about what you have said before, it gives you peace of mind of having a monthly rental unless you mortgaged it then you are responsible for that. Nothing beats living in your own place but we do have different opinions about it and we respect what people think about renting and owning a house based on the pros and cons that they're saying.

That's what risk is all about, you don't get any gain if you have nothing to risk but at least with Bitcoin, you're not going to lose your capital amount unless you sell at losses.

The idea of having both is unique if we have the financial strength. And when it comes to investment, I won't choose one over the other. I feel they are both important because one involves having a physical investment and the other is a digital investment. In real estate, there is so much return on investment similar to Bitcoin especially in the long run.

It is not just a good investment but one of the best in this era. Bitcoin can serve as the long-term benefit of investing while real estate can be for short-term profits. Going into real estate for renting out homes is what I mean and the money can be used to sustain ourselves until our long-term investment yields profit. This will help us not to tamper into our Bitcoin investment until the maturity date.

Buying a home is a terrible investment if you working abroad and you didn't make much/have a lot money.

In first world countries the rent cost you around $3K and the price of the house around $500K, if you make $40K-$60K per annually, you will not make much even you invest in Bitcoin.

But living in third world countries where the rent only cost you around $50-$70 and the price of house around $30K, if you have $100K to invest, the profit can able to afford your rent cost, which mean it's free.

I don't know about your country but in my country, owning land and have a real estate is still more profitable. Business wise, if you buy land and build apartments on it, you would have monthly profit and the estimated return of investment will be just 9 years.

I think this conversation will strongly depend on the location you are and how the standard of living of such location is vs the taxes and insurance imposed on properties. It is still cheaper and easier to buy and maintain houses in Sub-Saharan Africa than it is in the Europe and United States.

Let's take for instance, in a better part of a country like Nigeria, if I have funds equivalent to 1btc and I want to invest it, I can share the funds into two, develop a two bedroom flat of building with one half the money which should worth around worth around 40 million naira plus and invest the rest of the funds in Bitcoin, by buying an equivalent of 0.5 BTC which is still a significant amount of digital asset to hold.

I have to agree with you. If you bought a lot of landed properties before, you could have been a millionaire today, that's how profitable it is right now. Buying a house is still a profitable investment most especially if your intention is to make it a rented apartment, the more you will gain consistent returns from it. Or just buying a house today and sell it in the future, the fact that it also appreciates in time, you will indeed be making a lot of profits then.

The point is as long as we can have both (house and bitcoin) then why not. The focus for the house for me personally is as a place to go home (currently) because after all there must be a place to go home and build a comfortable residence for us and the family we have so of course the house becomes an important thing and must exist if we can afford it as for this said investment then it is a bonus that is owned for me personally because for now my focus in buying a house is as a place to live not as an investment.

As for bitcoin, it is a choice and indeed my choice is still in bitcoin until now as the main investment that I do so that when talking about good and bad investments then of course even though it is full of risks, bitcoin is still one of the best investments that I do today.

Take note that BTC is also volatile and it isn't everyone that is ready to store it for the long term, through its price drops and corrections in order to make returns, some people get scared and sell when they are in a loss. BTC is profitable in the long run, but buying a home is never a bad or terrible idea, it gives you a place to live and you never have to pay for rent again, while the value of the property continues to rise.

Buying a house for personal use also comes with lots of financial responsibilities. In some countries yearly property taxes are high and you also need to maintain the property. Natural disasters or conflicts in a particular location usually affect the real estate business adversely. Keeping Bitcoin wouldn't attract any major maintenance and you can easily move with your Bitcoin in case of emergency. Both real estate and Bitcoin are good investments and they both have merits and demerits.

Don't know why people think about buying a home is terrible idea. While the fact that you made your self secure by doing that. If we have capabilities to do it right away I guess its better to buy home first then think about other things like investment next. Since if we prioritize first our investment especially with bitcoin then the market start to fall so bad which we really see that happens on bitcoin then provably that our funds might be gone or in standby mode then with that it will take a lot of time before we can buy our home.

I know lots of people want to make money from their funds on hand that willing to spend on their investment. But we should prioritize our security since we have a lot of chance to find money to use for investment. Price of real estate asset or home appreciate and to bad for us if we can't buy when the price of housing units is currently affordable.

In my country or precisely in the city where I live, house prices have stagnated for the past three years, but because it is a busy area, it is not a problem for many people because they can divide their houses for rent so that they can generate income, and house taxes are low, some are even 0 for certain categories, so if in your country investing in property is not the right choice, it could be the right investment in another country, the important thing is to try to divide the investment in another form to get more profit if it turns out that one investment option does not work as expected, and also having a house provides comfort in life because it cannot be obtained when you still have to move around because you rent.

I don’t know where we get the idea that Bitcoin can’t be taxed. It might be difficult but, you could be taxed on your earnings from Bitcoin if you’re actively trading, gambling and using a few of those regulated CEX. Government always fined a way to taxe incomes through its power on CEX. Although you don’t have to do any maintenance on Bitcoin as opposed to house.
Even then still, I don’t think owning a house of your own is a terrible investment. It might be counter dependent though, based on your nation state as, most of us in the developing nations hardly get taxed for owning a house.

And it will reduce some expenses of spending on house rent quarterly or yearly which is very important for someone to embrace the opportunity to buy a house or save some money that will reach you to acquire your own house in a particular country. But before you have such mindset to own a house, to where you can settle down to Carry out your business in a particular place or country, you need to ask some questions about the security of the country or place before you can have some motivation to own a house there, because there are some countries you will live, you will not have the freedom to do your business to accumulate your wealth.

I know investing in BTC is risk which I will not lie to you, but you can make BTC your alternative investment in case the estate investment is not making progress the way you want it, you can use some money to invest in BTC during the bear season and you will not be disappointed when the bull season start flowing in the market.

Some people don't like it because it takes time for landed properties to appreciate, and because of how long it takes, they feel that it is only assets that are quite volatile that are most important. Just like Bitcoin, if you invest during the bear market, you have to wait for just four to five years before the bull market starts, and then you can make a profit from your investment, but some properties will take a longer time than the four years that Bitcoin would. 

Whilst yes owning residential property is considered an investment, I do think it's important to look at the benefits of owning property (safety, security, stability), as non tangible benefits, that are not directly measured through monetary returns to justify the investment. I think home ownership is important for these reasons.

I bet no one hates real estate, people who say they don't like real estate are because they may not have enough finances to invest in real estate. It's true that you'll have to wait a long time for real estate prices to increase, but in the meantime, you can take advantage of renting to generate passive income. This is an advantage that no other asset can offer except real estate. For me, investing in real estate is doubly profitable because it can both generate passive income and resell at a much higher price in the future. The demand for land and housing will always increase as the world's population grows day by day.

Generally people dont buy homes as an investment to rent out, its usually better to buy apartment buildings to rent out. You can buy multiple apartment buildings for the cost of 1 home. And you can make more revenue with all those apartment buildings than you would with renting out 1 home.

Sure bitcoin was a better investment in the last decade however hindsight is 20/20. If someone were to choose what to invest in 10 years ago, many would rather buy real estate because bitcoin seemed very risky then. Who knows what the next 10 year will bring however. Real estate in many countries seems to have topped, I dont think it will pull the same performance as in the last 10 years, but we will have to see.

Risk in early years since 2009 is bigger than in 2022, 2023 or 2024 year and people have to make different choices at different times. Their thinking and decisions are different with time and Bitcoin adoption changes over time as well.

However, in 2024, if they understand about Bitcoin, its history and believe in potential of Bitcoin adoption and price growth next 10 or 20 years, they will prioritize their choice to Bitcoin than real estate. I see Bitcoin is a better investment than real estate but I won't say invest in real estate is terrible. Investment is good, if you can get profit from it and real estate can help you gaining profit and it's a good asset against inflation of fiat currency too.

Well, that's true, real estate is profitable and the reason why some persons are not into it is because they may not have  the required capital to venture into it and get lot of profit just like they would in bitcoin. For example, someone can invest $10 into bitcoin and can be consistent in investing such amount every month but there's no such strategy as DCA in real estate.
I was listening to one man on an interview or social media, this man said that he made $100, 000, 000 from real estate in 2023, I don't know if he was kidding or not but I know that if the amount of capital he invested was huge, then it's possible that he is telling the truth.

It's not about which one is better and which one is not, it is about risk bearing. The fact still remains that no investment is absolutely risk free but you and I know that the risk involved in real estate is less compared to that of Bitcoin. As we speak, some people will still prefer to invest in real estate than investing in bitcoin not because they are not aware of the potential but simply because they can not deal with the risk involved. They choose to prioritize low risk over higher returns. The first reply on the first page of this thread nailed it, diversify your investment if you have the means since risk takers are the winners.

In my opinion, buying a house is not a good investment for several reasons.
1. Poor Investment Returns
    I agree with your explanation above, as in addition to that, you need to spare monthly/annual fee to maintain the good condition of your house.

2. Renting is Cheaper
    If you don't have any stable job or you just set your life out of your parents house, buying a house is a big liability. Besides the fact tat it is a poor investment return, you also need to pay for your daily necessities since, for people who don't have a stable job, it will be a big problem.

3. Expensive Asset
    We all know this, house is not cheap at all, and if you buy a house by installments or bank loan, it will make things worse.

4. Unproductive Asset
   All thos three points above will lead us to this point that we could conclude that a house is indeed an unproductive asset, in fact it could be liability. So don't force ourselves to buy a house before we understand what we are gonna get and get ready for it.

The investment world's changing faster than ever. While real estate is always a safe investment, Bitcoin represents the future. Look, real estate's great, dont get me wrong. But its controlled. You can only build so many buildings, and they're tied to specific locations. Bitcoin? Globally, digital, and not going anywhere is what it is.

Considering it. You own an excellent apartment building. But you've got tenants, repairs, taxes... It is a headache. Bitcoin? You buy it, you hold it. That is that basic. Definitely, real estate can increase in value. But Bitcoin? We have witnessed its capabilities. Its about being involved in something great, not only about generating money.

Thus, indeed, real estate has a role. But Bitcoin is where you should be looking for the next great idea. The intelligent money is already on board; this is the direction of investment.

I wouldn't buy a house now as that's a lots of responsibilities and work, but i totally get why people do. And btc isn't comparable in any way to owning a home, unless you are buying house only to sell later with profit.

Most people know about costs on owning houses before they buy them. And house offers you so much more concrete things then holding bitcoin. Btc doesn't protect you from the rain unless you sell it for a apartment to live in. By owning a house you can even apply for a loan and use your house as collateral, and with that you could technically just buy bitcoin with, if you really trust the gains on that. I would say that's a horrible idea, but that's just one benefit from it.

Between bitcoin and real estate I would choose bitcoin and so would most people here. Because we have our own difficulties and challenges and bitcoin is more suitable for us. But that doesn't mean we deny the potential of real estate and have to lie that we don't like real estate.

I believe that anyone who makes a lot of money from bitcoin will look for other investments like gold or real estate because after all, they are still safer places than this crypto market. We take more risks in search of big rewards, but when we have more money, we think differently. Gold and real estate are assets that have been proven for thousands of years while bitcoin is only 15 years old, don't try to deny that fact.

The thing is that buying a house means that eventually you won't have a mortgage, and that means that your cost of living will be decreased substantially.

That's one of the main benefits of buing a house. There's no point in selling it if you will have to pay rent to live somewhere else.

Wealthy people have assets, like bitcoin or homes, etc. Just living with an income doesn't make you wealthy as cash devalues quite fast.

It's good to diversify one's investment into other assets and majority of people who are earning a huge income are already investing in real estate and other asset, the only reason why some people have not invested into real estate I probably because they don't have enough capital to do so. Real estate is not a bad investment, if it was, then some rich dudes will not be making millions of dollars every month from real estate.

This decision depends on the where is the financial conditions of the person right now. Some have other priorities and not seeing it as investment as they need to attend other needs. Also, owning a house depends on the location itself as it varies largely from city to countryside. But what is more important to you right now, house or work? And that I believe, is the major consideration of many.

So if you are a person who is on the verge of deciding which one is best for your situation right now - better list the pros and cons and weigh your options. After all, it is your money at stake and no one will help you earn it but yourself. Think of the long-term benefit for you, it may help you in your decision making.

It is true that the prices of properties these days are crazy high and some of them not even in good locations and conditions but I think this is just proof how good of an investment it was back then because you will be reaping great returns now.

Just like in bitcoin everyone regrets not buying during its early days when it was cheap. Despite the expensive prices of real estate, it will just get higher so it is still worth it.

Well, everyone has their own goals in investing. Many people whose original goal is to increase their real estate assets. So they prioritize visible assets such as houses, gardens, land, and others. However, that is still good enough, as long as it gives us profit. However, it will only affect how fast or slow we achieve success. If some people feel that using bitcoin alone is enough to bring them success, then they will see other investments as not so good for them.

One point that is usually not mentioned is the amount of debt used to buy your own home.

Owning with a massive debt is kinda similar to renting, with the extra risks of ownership.

If your debt is so massive that you basically have to continue paying it for the rest of your life, then that's almost the same as renting.

But with renting you can get out of there for free if there's a massive problem with the property, whereas the owner gets stuck with all those types of payments.

One of the best benefits of buying a house is to end up with a lower cost of living at some point, that is when you don't have to pay interest any more for it.

If you never achieve that, then it's not very different to renting. And if you miss the payments you might even lose your home, similar to not paying rent.

there should not be a comparison between owning a house and owning Bitcoin. Having either of them shouldn't be a reason not to have the other. Even when you buy an house as an investment, it's never a loss because it's somehow a multi dimensional investment you've just made. You can build a single house, use some of the rooms for rent age, stay in some and still use part of it for your store that's going to still generate you additional income. After you've stayed in that building for a particular number of years, you can decide to sell it out for some one that's interested in the building. Your investment is not complete untill you have some physical assets like building on ground.

The cost of erecting a building might be very high for an average person that's just starting up which is why you build a good Bitcoin portfolio but by bit and if your end goal after a set year is to erect an apartment for yourself, you can so choose to fo it and it's never to be looked at as a bad investment. Some people that are in a third world country whose parents can't even afford to build a good house for the family will not consider any other investment choice as a reasonable one untill they are able to build a space for themselves and thier family's.

House is an investment you can enjoy and also rent to get passive income.

It's a great investment.

You are absolutely correct, seems to me like you took the words off my mind, but will gladly own up to the fact that you did presented it better than I would have, and I like the fact that you used really food and valid points to drive your thought home.

Over here in Nigeria, there is no such thing as property tax, atleast, not one that I know of, I own a property and have never paid any tax for it this i am sure.
I think the mistake some of us usually make is that we tend to use the living condition of a certain or particularly country to describe that the enter world is involved in, which in this case is bitcoin.
Bitcoin is global, it doesn't operate in the USA alone, and so is buying a home, or going into real estate as a business, the people in the USA might not profit much, or make any profit at all due to the some policies of the government in the USA, that does not mean that the business or investment is not, or won't be profitable in other countries, such the policies of USA only remain in the USA.

Property taxes is an interesting topic and I'm glad you brought it up. It's something that I didn't know about the US until a few years ago and to be honest I was surprised to see how expensive they are! On average I think Americans pay over 1% of the house value every year, that is quite a crazy amount if you think about, like in 50 years you paid half of the house's value in taxes! And it also means that it's not actually yours because the moment you stop paying taxes you lose it. It's insane!

At the beginning of development, the location of the property being built may not be popular, but over time with the large population, of course, the location of the property will be popular and of course the price of the property will continue to increase and I agree with you that every right investment will of course be very profitable for anyone who has it, therefore we must be able to set aside some of the income we have to be able to invest for our future later and related to Bitcoin, of course it will be very profitable in the future, but only some people can take advantage of the opportunity that will be able to generate profits from the investment because there are some people who do not think it will be profitable in the future so they do not dare to invest the funds they have in Bitcoin.

The increasing price of real assets will make it difficult for some people to buy them and we must have sufficient funds if we want to get real assets, but with Bitcoin we can invest in the amount we can afford and will also generate profits in the future and we will also be able to buy real assets when we have generated profits from investing in Bitcoin.

Owing a house is just a status thing and doesn't make great financial sense. For those who will be scandalized that I see it from this perspective, they should evaluate the cost of buying a house and then check what it would take to pay rent on that property and see how many years of rent that can get them to that amount. It normally runs into years that even the homeowner may not be alive to see. Now, consider putting that same amount of money into business and see how you will easily pay that same rent from the huge profits made. I'm not even talking about Bitcoin investment, but any well thoughtout business.

Owning a house is one of the real investments that is right for the maximum future. Maybe in foreign countries, a house is not an investment that many investors are looking for as a future asset because of the increase of the equivalent of 5%-6% over a long period of time. Having your own house can make things easier, you don't have to think about paying rent for a house every year, the costs of which are quite large if you consider that in the long term, it's hard enough to buy a house, buying a house is not a bad investment, it's an asset for the future and investing in Bitcoin also has a good future. .

Sincerely the country where I came from doesn't have this much taxation on houses and house owner, the only experience we gain over here is just buy and pack in your home after some necessary registration and legal documentations. In fact to make it very important, those who makes much more money are house owners especially when situated in developed area or in a city that is highly populated then rentage could be so expensive where the prices double over 1-3 years and even as that rents increases price and people are still paying.

What really happened is, tenant are the people who are loosing against house owner. As tenant there are some fees to be paid which includes maintenance fee unlike the cushion fee, legal/agreement fee, agent fee, and cola fee (Drinking money). All these things are what a tenant gonna pay before renting an apartment and tell me why owning a house is a bad ideas or would not benefits them, and of course whatever that made them relocate to another building or house they would still have to restart everything afresh that is why mostly in my country everyone is trying to own their own property or home to live since is too expensive to afford a rental apartment.

Investment in bitcoin is cool and this is for those who are into the digital world that knows the importance and usefulness of bitcoin, anyone who doesn't know how bitcoin works would never leave property renting to Bitcoin investment because they aren't educated on the importance of bitcoin per say. So, investment in bitcoin and housing and also cool investment and of course we don't need focused our efforts in place, maybe hold bitcoin and investment in some real estate with this we don't stressed our bitcoin holdings.

Owning your own home adds stability and minimizes risk for your older times.

I wouldn't like to be renting a home when I'm say, 70. Imagine if they ask you to leave because they will move into their home.

There are other things to consider when investing in a home. Other investments are different though.

Generally what we prioritize when buying a home is that investing in a home is a permanent asset where an investor does not have to face losses due to volatility. Rather, a small amount of annual growth can be expected from there. But it must be remembered that in buying a house an investor has to take the decision and have to spend large part of life income. In terms of investment, the output is not comparatively high. But when we look at investing in Bitcoin, relatively small investments can lead to huge returns. Especially if one tries to hold bitcoins for long term, one can get many times higher return on investment which will be much more profitable than buying a house.

Sure this might sound like a good idea in theory, but practically it's not. it's simply not enough to compare the cost of renting vs the cost of interest payments on the loan of a house (as these are both a net loss). There are so many intangible benefits, such as long term security of home ownership. Many countries do not have laws that protect renters, the owners can move back at any point and kick them out, and they have to get a new rental with higher prices. Post COVID some countries saw rent cost increase 50% in 2 years. There's no security or stability in that.

Also the idea of investing in "any well though out business" over buying a home is literally crazy. 90% of businesses don't succeed, and most people go broke losing everything. A home is a much more safe investment than starting a business.

You've thought about running a business and using that profit to rent out your home, so why not think about owning real estate and renting it out to people? Isn't that business? The advantage of real estate is that you can earn passive income every month and the value of your property increases over time. Do you know any business model that brings in 2 sources of profit like real estate?

Real estate is also a form of business and is considered the safest form of business today. If you follow some economic reports, you will know that real estate is the most popular form of business for billionaires and I think there must be some reason why they do so.

Besides, owning a property or a house is not only for business purposes but also for the stability of your family. Do you want your children to have to rent and move constantly throughout their lives and disrupt their lives? Do not deny the importance of owning a house whether for business purposes or to serve our lives.

There is nothing wrong with owning a house. What should be kept into consideration is that we should be too quick to own a house when we have not made a lot of investment or started any good business that give us enough money not just to maintain a steady life but to be financially stable. It makes a lot of sense that when a person is financially unstable he then can diversify his investment, own properties including hoses and landed properties. Without that what should be in the mind of any still hustling should be expanding business and investment instead of owning a house.

If the concept of buying a house by installing it is not completely profitable because it will worsen financial conditions. But now we are given a good choice where to buy a house without an excessive grade or bill. The government makes home subsidies for the community and this is in the area where I live, the program is quite helpful for the community even though they have to work extra to cover monthly fees. Building a house by using their own money is difficult to do by the community now because they have to prepare enough money and buy land to build the house until it is finished.

The wrong way to buy a house by taking credit will create new problems if you do not have a stable income. Having a house is a must because we will live there with our family, so whether we like it or not we have to try to fulfill the purchase. Renting a house every year must spend a lot of money where we will never be able to collect money to buy it. The house becomes something important for people because without a house we will not get a decent place to live.

The house if rented out is also very profitable and that is also a part of investment. In my area the house is not enough because there are many people who rent to be left behind. The prospect of housing is also quite good in the area where I live because it has a selling value that is increasingly rising.

There really nothing wrong regarding owning a home, its like you are securing yourself for any potential risk and make sure that you are already settled before taking risky decisions. I will be more confident to take more riskier step towards taking investment since I know there's nothing to get afraid with that status. Owning a real estate property is already an achievement so people should not think its bad decision to own this if they have capability to acquire since not every time we have available fund to spend since for sure crisis will happen and to bad for us if we got broke and we don't have a home bought.

Although I understand people who choose to invest first since maybe they are skilled and have lots of knowledge on investment field and by using their money could potentially produce more profits to them. But if they are beginner maybe best if they choose the safer side.

You should take examples from several different countries to strengthen your assumptions. Buying a house in the US may not be a good idea, but in many other countries it can yield great profits. The annual growth of the house price index will experience a rapid increase depending on the location, if calculated with annual inflation, the growth of house prices is still much more profitable. Home investment will be more profitable if combined with government policies that strengthen investment in the property sector. If you buy a house in a city that is supported by infrastructure development, the price will increase significantly, especially if you want to look for opportunities for long-term investment asset growth.

Buying Bitcoin and then holding it for the long term is a very good idea, the increasing growth of Bitcoin allows you to make big profits. But when it comes to investing for profit, Bitcoin is the best choice right now based on its growth over the past decade. But if we talk about long-term benefits and uses, a house can give you all the convenience and comfort, especially if you buy it in a big city.

Big buildings, big money, big players. Real estate still smells, though, believe me. You pay through the nose for rent, fees, all kinds of stupidity, and what do you get? Zero. Zip. Zilch. You are only enriching the landlord. Sad!

We next have Bitcoin. Its the future, folks. Distributed, safe, and with great room for expansion. Though its not for everyone, if you're clever you will find the opportunity. The internet was considered garbage in the past. Most people lack understanding of it. Still mired in the past, they just consider stocks and bonds and real estate. They are passing up the largest wealth transfer in historical memory.

So, whats the play? Diversify. Put not all of your eggs in one basket. Sure, own some real estate; however, also own some Bitcoin. Guard your bets, shield yourself from inflation, and set yourself for enormous profits. Its about being wise and creating a balanced portfolio, not about choose one or the other.

Generally the way its been, at least in Canada for the past decade or so it. Most real estate investors are actually losing money every month.

Most buy condos, not homes to rent out. But you need to pay insurance, condo fees, and property taxes EVERY MONTH. Whether its occupied or not. These fees have risen signifcantly. Most landlords are losing money every month.

Why do they do it? Well because the property value increased by double in the last decade and every year (except last) kept increasing at double digits. So its worth it losing $500 a month when you gain $300,000 over the course of a decade.

I totally agree with you. Of course everyone manages his life the way he prefers but being in the 60s or 70s renting an apartment and pretty much at any moment you can being kicked out for several different reasons, I don't know, it doesn't sound like a peaceful retiring at that point. And let's not forget that maybe you stay in that place for 20-30 years paying a good price, once you get kicked out you need to think about the market current prices which will probably be 3-4 times more expensive so whatever budgeting you've been doing it's all gone.

The thing is that in many big cities around the world it is getting harder and harder to actually buy a home given the huge increase in their prices.

And it's just getting worse every year. The amount that a person can save for a deposit is nothing compared to how much a home price increases in the same time.

So, given that the speed of home prices is higher than the speed of savings increasing, then if a person cannot buy a home today they will never be able to.

The only other solution is to move somewhere else that is cheaper.

I completely agree with you. Buying house is big achievement but it is not most important thing. First we need to have stable financial situation. This means having good income investments and successful business. Only then should we think about buying house. If we are still working on becoming financially stable focus on growing our wealth and investments. Buying house can be good idea but only when we are financially ready. If we rush into it without being prepared we might experience stress and financial problems. It is essential to prioritize our financial growth and security before making such big decision.

Wait, I never said that buying a home is an easy or cheap process, unfortunately, as you correctly pointed out, less and less people are able to afford the purchase of a house, but that is not the point of what we were talking about ;) We were talking about buying a house as an investment and too many people only look at the economical side of purchasing a house but not at the benefits that could bring you, for example the fact that you won't be homeless. Is there a price we can put on that? It's also a mental situation because owning a house brings a certain type of safety, the fact that you won't sleep on the street is priceless for me. And then, to get back to you, being own to actually purchase a house is a totally different matter.

I think it depends on how and where exactly you invest in it. If you do some research you will realize that there's barely any billionaire who in their possession of assets doesn't have houses, some don't make money from it at the time but it doesn't change the fact that it is something you could sell later for a better price. There's so many ways to make money in real estate. From the buying and selling of lands, to that of houses, and even building it all from scratch and  selling it with your gain.

And I see that you say "VS buying Bitcoin". Don't forget that while Bitcoin has been doing well over the years, it doesn't mean that it is the best investment. In fact, there's nothing that is the best. All investments have their advantages and disadvantages.

In terms of business, it would be better to buy a house to rent out to others and for each year we would have income that could be taken from the house. So in this capacity buying a house is a good idea because from what I know houses are becoming more valuable to sell or rent.

Maybe in the US there is some truth to the fact that buying a house is not a good decision because there are other opportunities to make money, so people see houses as not an easy way to make money. But in some countries houses are actually the best investment because they can be used to make money and even in my country people are racing to build houses to rent out and the potential is quite large.

Furthermore, we have to look at the potential and maybe for some countries it is true that buying a house is not the best investment because there are opportunities in other places that are much more profitable. But if we talk about where I live, a house is one of the promising investments because it can make money.

If you know how much it cost today to rent a apartment compared to last year you won't sat that buying a home is a terrible investment.

In my country today many people are beating themselves hard for not building their houses when they have the cash, they were thinking that things will ease up and go back to normal but instead price of everything keeps surging, even a bag of cement today is 3x compare to two years back.

Having your own place kills the worries of renting an apartment, and the funny part is that the rent fee keeps increasing every year, this is so alarming in my country right now.

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My dream this period is that Bitcoin goes up to at least 90k so that I can grab the opportunity to build my own dream house, if my family didn't have a family home right now things would have been even harder for me, I've secured some profits because I sold some lands in the past but I really want a dream home of mine.

Yeah, but if you are planning to rent forever, which would be the case if you don't ever buy a property to live in, then even if you have the money coming in every month from other investments, maybe you will be forced to move out when you are old.

That's because the owner of the property you are renting might want to live in there later on.

The point is that paying rent is fine as a temporary solution, but it doesn't give you a place to sleep forever necessarily, even if you have the money to pay for it.

To me continental or othe few reasons been mention here above shouldn't be the reason why renting a home is more preferable than building a house, normally once a man income becomes stable , home comfort should be highly consider, we shouldn't see building a house as what is more beneficial for our children to inherit, in my country here building a house for rentage is a good and lucrative business because taxes and so on do not much apply. Though it is more beneficial to houses that are located in the urban areas.

Buying home is like security for yourself that you will not experience to became a homeless. We could start over and over again if we fail for our investment but we have less shot to buy our home since the fact is the price of real estate asset is increasing.

Although maybe some may think it dead investment but for if you decide to live with it for sure every cents you spend from it is really worth it. Some people really think that its good to pay attention first on their investment, but they failed to realize that not everyone succeed. Lots of people fail and they provably became homeless if they spend all their money on a failed business. Also its terrible if we experience this when we are old since pure struggle in life is what we are experiencing regarding on that matter.

What you said is true that it depends on the country. Where I live, buying a house is one of the best investments to make. Despite the house prices that can increase more than 5%-6%, every year people can make money from the house as an asset that can then be rented out to people who need a place to live such as workers or students.

For me, buying a house that we can then use as an asset as mentioned is a good way of thinking about getting regular income, especially since many people travel.

Buying a home is definitely a good option for those who are risk averse or don't have the guts to take the risk. Because an investor will be able to get his full money back gradually when investing for a house. But if investing in a house, the investor will have to wait for a long time because no one will get a return with the purchase of the house. And even if you get a return, it will be of limited size. If one gets 6 percent return every year after buying a house then it is not difficult to estimate how long it will take to get 100% return. It completely depends on the investor whether he will take small amount of money against big investment by waiting long time or big amount with short time and small investment.

In addition to the benefits that we can get from renting, as an asset, the house can later be used as an inheritance given to children. This (giving a house to children has become a culture, especially for girls).
Not always investing in a house is used as a way to get a steady income even though compared to other investments that have greater profits, but on the other positive side, we get extraordinary benefits.

I partially agree with what you said. It's true that owning a house is just a status thing and only those who can easily afford it should go for it, however, I believe it depends on the region you are living in. There are countries and regions where owning a house would mean you should be a multi-millionaire because of the prices of housing and properties in that region. In some other regions, one can own a house even if they aren't ultra-rich but have a small business that is earning them good money.

When we talk about starting a business with the money that can be used to buy a house, the same thing applies again. In some countries or regions, you will barely be able to start a decent business with a small amount, and if you start a small-scale business, you might not be able to pay rent, bear all other expenses, and still be able to run the business smoothly due to the cost of living in that region.

The benefits of owning a home or real estate are enormous. Not only do they provide us with passive income and their value increases every year due to demand, but they can also provide us with an ideal place to live or as an inheritance...Honestly, I don't see any disadvantages to owning a house or real estate. Its only downside is that it requires a large amount of capital to own and not many people can afford it, and that may be why many people say they don't like real estate.

Bitcoin has real potential and is worth investing in but we have to admit that real estate is still a good investment if not the best.

Yeah, but that house price increase can only be obtained if you sell the house, and then when you turn around to buy somewhere else to live you realize that everything else also has increased in price and you are now stuck renting.

I find it interesting when I see people that live in their houses which are worth millions of dollars but they don't have any money to do anything.

Sure, on paper they are rich but in real life they are very poor.

And if they sell their home they don't have enough to buy another place to live.

Strange world we live in.

This depends on your location. Is there some place where if you buy a house, or maybe regardless of what you own, you will be taxed on it? If your location is like that, then I will say you should go bitcoin, and then maybe when you are balanced enough to pay all the taxes, you can think of buying a house. But if you don't have enough money to do that, then I think bitcoin will be better. You will cash out from your bitcoin investment after a long time, and by then you can buy a house. 
 
If not for the taxes and other things that you, as the owner of a house, will be paying because you own it, I would have said buying a house is also a big asset that one can have. 

Owning a house IS owning a big asset regardless of the taxes and everything one has to pay, besides, buying and holding Bitcoin so that one can buy a house in the future doesn't make things any easier because even if the price of Bitcoin goes up and the investment made gives good returns, the prices of housing and real estate wouldn't be stagnant during that time and a house that one can buy for maybe $200k today will be worth $400k or maybe more within 4 to 5 years because we know properties keep getting expensive over time due to the increasing population and high demand for housing.

So, in my opinion, if someone has enough money and can easily afford to buy a house, making sure that the money they will spend on it is directed for it which means they aren't holding up on anything else, I would say they should go for it. A person should have separate funds for each purpose. If you want to make investments, you should be saving money for that separately when you have a good source of income, and if you don't have a house of your own, you should be saving money separately for that. Don't mix things up.

People say it's better to rent than to buy a house due to the high prices of housing and property, I would say there is a very big difference in living on rent and living in your own house, and only those who had their own house but then had to sell it for some reason and are now living on rent can understand this.

I don't think that buying a home as an investment should be considered as a myth in any form, it's a real asset that appreciates and you can hardly sale at a lose. If you cannot afford to pay the taxes on your property then you can sale and make profit because land/house always appreciates in value. Besides you can let it out and collect rent, pay your taxes and keep the rest. Whether you live in your house, rent or sale it, theirs high probability that you won't be at lose.

The advantage that Bitcoin has over owning a home as an investment is that you need more money to be able to own a home but you didn't need much to start Bitcoin investment. You can decide to sale your house at anytime and you will be in profit but selling your Bitcoin during bear run will be a lose for you. For average and low income earners Bitcoin investment is the best for them, they can DCA and increase their ROI on the long term. For people who are more financially capable, buying a home is one of the best investments that they can pass on to their children.

The only point I’m yet to understand is the house bought for rent or living clearly seen anyone can decide to rent at any point. I will view this from different perspective mainly because our location differs and it’s simple to accept the fact not everyone can pay high value for a building, in my country it’s worth spending money for a building because it’ll definitely increase in value as time goes and there’s no excuse commonly seen as people value physical property, for example; land and building are highly valued here in my area to an extend in times of inflation house owners increase rent and act more strict. This is my honest observation so far, secondly exposure matters mainly because flooding and other effect can affect a location so you see people running from such area aside this owning a house in my location is a also a perfect choice . No one should act up falsely because investing in bitcoin is okay as well as buying a house.

op; let's say that depending on how you look at it, a university degree doesn't make sense, in the same way we could look at it from various investments, the issue here is that there are mandatory liabilities, and a house is one, it's that simple, you can even live without an investment like bitcoin, but a house, regardless of the liabilities that are dragged along, is an investment that we should seek to invest.

Owning a house is good and it is preferable in places where the expense on maintaining a rented apartment is more expensive that no one having a personal house. Also come to think it the price of Bitcoin is not guaranteed that it will be so high in the newest 4 years. But i assure you that the price of building a house or buying one will be a lot more expressive than what it is today. Bitcoin is volatile asset, it is good for investment and profit but we all know that there are bull season and there bear seasons. No one knows when these seasons will come that is why you cannot entrust all your wealth into Bitcoin when you have an emerging plan.

Capital is a point of problem that burdensome people to become real estate investors. I really understand how the challenges and obstacles that will be received by those who want to do it even though they know the benefits behind what they do.
I also see many benefits of this business rather than losses and even multifunctional benefits if my language is to describe the two sides of the kentugan (routine income and inheritance assets).


Bitcoin future assets that we need to have. I prefer other assets like gold as a backup rather than Bitcoin. Bitcoin something that is real will be beneficial as a long -term asset as a hedge.

Investment is of different type depending the Investment you know very well is the one that you will invest on and you make your profit but the thing is that some people does not like to ask questions before then go into investment because when they see people doing something and profit on it they would like to follow those people to do same kind of investment there are doing, why that does not know the fundamental way of such investment so what I'm trying to say is that in anything you are doing you should make inquiries to know it more do not follow other people to do what they are doing- buying of house is like a real estatement kind of investment and before you join a real statement investment you have to understand the method first so is good for you to invest on what you know like Bitcoin than to go into real estate investment that you don't know properly, for me it can make you to lose.

Even usually, buying a home is not a terrible investment. Home is considered as a safe and guaranteed investment. Your house can't go anywhere, once you buy it, it's on your name, you can have multiple of them, rent them, sell them and so on.
Bitcoin on the other hand, is a different thing and you can't own it physically, it's a virtual currency. Too many people don't know how to safely buy, sell or store Bitcoin, so, for many people, Bitcoin investment is not a good idea because they'll eventually lose access to their wallet because they don't know how to safely keep it.
When you create a cold wallet, you have to keep in mind that you need an air-gapped device, you need to safely store your wallet's keys. It looks plain and simple but it's a huge responsibility. House is more common for everyone and it's also the psychology, people prefer to own things that they can touch and see in real life.

Profit-wise, I completely agree with you, Bitcoin is superior compared to house. It's a brand new currency that almost conquered the world and has a very bright future. If anything, it's price is going high and Bitcoin ETF approval confirms that there is an interest and Bitcoin won't go anywhere anytime soon.

The main focus when we buy a house of course is this as a primary need where the house is a place to shelter us and the little family we have and I think this must be realized that before becoming a business field (where this can be used as an investment or rented out) of course we must be aware of what the function of the house is for.

Indeed, in the end the house can be used as an investment material and profit material in terms of business but it is just a bonus if we only have standard wealth or in the middle class. It is different when we make this a business land from the beginning where we have determined that the capital we use for property is business, maybe it will be a different story.  In this case I think when someone says about the home business we must be aware that the focus we have is whether the house will be used as a place of residence for us or for business materials because this goal needs to be emphasized from the start especially this will also affect what the future will be like,

I think it would all depends on the location, and there are some who are buying it not as an investment but for security, they want to secure a place for their family, a place that their kids could grow up and make memories.

I understand your take from the perspective of homeownership, but that changes quite a bit with location and specifics. For example, in 2024, most family in major cities in Indonesia consider that it is cheaper to rent than to buy a house with mortgages. That is why this trend is fueled through high-rising prices of homes and the increased rates of mortgages, which keep buying a home beyond the reach of an average fellow even if he pays high rents.

That said, buying a house is not all about financial gains. As you said, besides being a source of comfort in having a place called home, in several countries it is a very lucrative business to build homes for letting. Particular being a landlord in a city offers good opportunities to earn regular income from tenants. Yet, it is important to take into consideration all those aspects of maintenance costs, taxes, long-term investment that come into play when weighing up the advantages of being a house owner against renting. Each has a plus and negative side to it, depending on what your priorities are and what the market conditions are.

Although it is usually true that renting is cheaper in some cases than buying the same home, there's a catch.

It's all fine if you are young and want to have the flexibility of rent. But when you get older, you might want to have a place to stay where you know that you won't be kicked out because the owners decided to move in.

If you are, say, 80 years old, I don't think you would be comfortable moving out of your rental and start applying for another place, which actually you might not be able to secure because of the competition.

People might not want to rent to you because they might think you won't be able to pay rent since you are retired.

It's quite a bad picture when you think about it.

It depends on the placement and function, But, for me it is a primary need but if we consider it as the main alternative investment that will move quickly it might not be quite right as you mean above because what happens in the field every time we want to sell an asset like a house, when we need money and want to sell it, it takes time to get a fair price where in any condition the buyer is king and he is free to bid according to the estimated plan he wants. Yes. The average owner will eventually let it go, especially when he needs quick cash. Right now, my view is that it's better to just focus on buying BTC first if we still have some.


I agree with this opinion, it may be quite relevant to anyone's condition, both those who are married and those who are not. I think everyone has a dream to have their own home even though their current income is only enough to meet their monthly needs because we know that house rental prices are always increasing, especially if the place we live temporarily is quite strategic and this usually happens anywhere.

Here, in this section if mentioned the main focus of buying a house as a primier needs can be agreed. For those who already have a home and invest in real estate, of course, have enslaved profit or income that remains every year. Surely this business requires a large fee and does not apply to people whose economy is middle to lower.
As for Bitcoin investment, people with the economy are middle to lower can still do it even though the purchases made are not in large quantities, at least he can do regularly after his basic needs are met.

oh yeah, I do agree that when you want to settle and grow a family, buying a house is a better option, but that's definitely required a lot of money, so that's why, when we are single and doesn't have much responsibility renting small apartment in the central area of the city is much more reasonable then buying house in a suburb.

I don’t know the rules and regulations about the US, but in my country, we don’t pay tax to own a house. We buy land and build the house on our own land with our own money. Now we are the only owners of the house, and no government can interfere or force us to pay tax for the house. Moreover, we know that as the land costs increase, so does the house price; therefore, it is a good investment, according to me. But yes, you need to have a large amount of money before buying a house. But in the case of Bitcoins, you can buy with any amount, and it provides high returns in a shorter amount of time.

Most mortgages these days are for 30 years, so you have to be relatively young to get it in the first place.

If you are in your 40s, 50s, then the chances of even getting a mortgage might start to decline, as you would have to be paying for the mortgage after your retirement age.

I'm not sure what will happen, but clearly things are changing, and home ownership age is increasing.

But at the end of the day, if you are paying for your mortgage for your entire life, then it's almost the same as renting in the end.

If you are already old or someone whose really that in 40's on which 30 year plans or mortgage isnt something that would really be approved by banks or any financing or developer in regarding into your unit.
Of course they would really be trying out to secure that they will not be able to get some loses because approving someone whose really that old which most likely they will really be failing out on finishing the contract.
As we do all know that banks wont really be that stupid enough for them to make out that kind of approval. In speaking about investment with Bitcoin or buying up your own house then it will really be just that depending on you on which whether you would really be focusing on buying up Bitcoin instead on saving up for your dream house or you would really be that saving up for  you to buy Bitcoin on which it would really be entirely depends into your preference and plans or liking.

I do really always love the idea on having that renting even if we do say that Bitcoin doesnt exist. Why? There would really be factors on which you would really be needing up to consider
whether you should be taking up the rental path or would be making your own house. If it turns out that it would be practical to leave on an apartment just because your job is really near
or your kids school is nearby in comparing when living on a place which is too far off and having that huge expense to gas then its impossible that you cant really be able to make out such comparisons.

I think you missed something, I don't think anyone can own land or a house without paying tax, you need to pay tax but the tax rate will be different in each country. To own land, you need to complete the purchase and sale procedures and have your ownership recognized by a state agency . During that process, both the buyer and seller have to pay some regulatory fees and that could be the tax you paid to the government.
In my country we also don't have to pay taxes monthly or yearly, but we have to pay taxes every time we own a new property and we only have to pay it once .


Bitcoin is not a get rich quick investment , but if you compare investing in land and bitcoin, you would be right in saying that bitcoin gives higher returns in the short term .

For someone who does not know about cryptocurrency, most of them think that investing in a house is a very good thing. However, for someone who already has a house and knows about cryptocurrency, he will choose to trade and invest in cryptocurrency rather than adding a house as an investment. One of the very good cryptocurrencies at this time to invest in is Bitcoin. I say Bitcoin is one of the good cryptocurrencies to invest in because the price of Bitcoin from year to year always increases, even in the last 10 years, Bitcoin has increased many times over from its price in 2015, which is around $ 300 - $ 450 and now the price of Bitcoin has reached $ 58,300. If we had invested in Bitcoin in 2015 around $ 10,000, maybe at this time we would be sleeping on a pile of money. Unlike investing in a house in 2015, we will indeed get profit but not as much as the profit we get if we invest in Bitcoin.

I think you have said it all in your second paragraph because that's exactly what I think too, in respect of which and what country u think the major and ultimate thing here is that diversification of investment is the winner because when you diversify your investment their are higher chances of you actually making profits and even a good one at that although like you said some places owner a house is too much expenses, but spreading the investment around would cover for any loop hole in one area of investment that's actually struggling.

Yeah, I agree that renting is a more flexible life, and it sounds great.

Until you realize that you are basically allowing another person to have full control of where you live.

They can at any point kick you out.

That kinda goes against the idea of Bitcoin, where you basically take care of your life, and don't depend on other people.

I think owning your own home is an important thing that is not happening too often for the new generations because the prices are going insane.

Renting provides flexibility, especially if it's a furnished apartment; you can pretty much move in the span of a few days. However, that doesn't mean that if you're a homeowner, you have zero flexibility. You can simply rent it out; the housing market is nuts; you'll find a renter within a few days, enabling you to move using the money you're passively receiving. Comparing Bitcoin investing with real estate makes no sense; they are two completely different sectors; both have advantages and disadvantages; real estate, though, provides a lot more options in terms of versatility, such as renting, flipping, or living in it.

I personally would prefer owning than renting; you have much more freedom in your own home, and you don't have to interfere with unpleasant homeowners who don't care about you or the property they are renting. Bitcoin investment is a completely different sector that shouldn't be compared to, you can always pursue both.

Whether one buys a house, car, or real estate is a personal decision to invest in. There are many people who feel more comfortable investing in Bitcoin instead of keeping money in gold or banks. For them Bitcoin is above all investments but there are many people who feel too risky to invest in Bitcoin and also think that Bitcoin is an invisible currency which does not exist so they don't want to invest in this non-existent currency. But in my view investing in Bitcoin and holding it for the long term is the best decision but one has to be patient and take long term risk.

I don't it's right for me to compare my region with people that are staying in the west side. Owning a home here is like been a boss of your own because right now, building a house can be done according to your budget and the inflation right now has make it so hard for people to pay rent even though cost of building is still affordable. The minimum wage is still the same, so it's better to build a house comfortable over buying a Bitcoin but if you have the money to do the both, it's great.

There is another advantage I see in owning a house, here there is no much appreciation on the house it self, you might be doing some basic maintenence check but you see that land, it's the oil money. If you own a house in a developed area, you are guarantee of making your money back. Don't forget that if you also build a house here, you can get huge amount of money when you let it out to people especially in remote areas where activities are happening.

That's true, but some people still prefer to keep paying rent until they pass on, I know of someone like that in my region, he was paying rent till he pass away, he didn't build or buy a house for himself. Personally for me, I feel it's necessary that at some stage in life, one need to have their personal house that they have bought or built for themselves. Buying a house is quite expensive, so, renting is just like a temporary solution to have shelter but if one has enough money later to get a permanent home, it's better off.

This is not about whether owning a home is good or not it is very good, owning your home is one of the best things that can happen to you because when you are in your own house you don't have to bother about paying rent or not and you will be able to focus on other things because now rent is becoming more expensive even as all of love bitcoin it will be best for us to get how necessary things in place then you can invest without any hesitation or even thinking about bills, and you cryptocurrency investment will even be more flexible than renting and all your money is there and you are not making profit then how do you deal with all this because it will just make you sell some assets.

when you own your own house holding for a long time will even be more interesting we know how Bitcoin works that the price can always walk around the same circle of price and you can not always predict what will happen in crypto and that is why, the analysis you are doing when bitcoin was around 300 hundred dollars it would have been the best time but how many of us invested in bitcoin. and then everyone was see Bitcoin as shit but now am still with the fact that you settle basic needs.

I guess that explains it pretty well, and I believe that 100% true. Other than that in rental property we can't do anything as we aren't the owners of the property and none of our children will inherit anything from that home which we haven't bought.

Rent can be good only when you don't own your house but if you have a house then it's 100x better to avoid renting. I used to live in a rent house and I can say that it's quite painful to live in someone else's house and pay rent to him on monthly basis.

Now, I'm in my own house, and the experience of living in my own house is way good than that of living in rented house. I'm emotionally and mentally more stable and happy in my own house now, but back then I wasn't happy at all.

Those who say investing in your own house isn't a good things are the ones who either already own a house or they fear from the high cost of buying an house, but they neglect the advantages of ones own house.

At some point, you absolutely right, but looking at it from a different POV, I’m pretty sure a few persons might not completely agree with you. Different people going into an investment may have different investment goals as well as different expectations from the investment. I might interest you to know that some people who choose a a particular form of investment may not necessarily be there for the profit or how much the investment is going to produce. Some people invest simply just for wealth preservation purposes, so they choose an investment they feel safe with. A person may actually believe in the potential of Bitcoin in the long term but not sure about just how long Bitcoin will be in existence, and this may not make them consider Bitcoin as a better option for wealth preservation, but when you acquire a home, you are sure that the house will always be there for as long as you decide to keep it. So it totally depends on the Investor’s goals and expectations.

As a family man with  multiple responsibilities if I compare living in a rented house in a serene and comfortable environment any house I should be renting for the next ten years the rent cost accumulated would probably be sufficient for me to build a three bedroom apartments of mine for my family that would last for the next more than 50 years. In that case I have 40years benefit of no rent paying which amounts to house-security.
 I won't have to wake up the next morning thinking of how I am going to cover for my annual rent as the year  wond down. In as much as I see bitcoin as an asset to hodl it doesn't take away the expedient of house ownership.

Comparing apples and oranges isn't fair in the first place.

A house can be both an asset or a liability even if we assume the appreciation of the property's value is too low or reached the threshold value. In my understanding, if you buy a house to live in there it's a liability cause it's not giving you any kind of income but you are paying all kinds of taxes, bills, etc that is why renting a place is better in terms of investment perspective but if you buy a house and lend it for people then it generates revenue which becomes an investment.

Agree with this where indeed when we talk about the problem of renting and buying actually when we are young it is okay when we rent a house just to find a different situation and can move whenever we want as long as we can do it and I have also been in that phase where I rented several houses from one area to another to give something new that I can feel but when we get older, especially after having a family of course it will be a little inconvenient and buying a house (when we can afford it) is the right choice to do.

It is not without reason that when we are older and have a family in the end the consideration becomes greater when we rent a house and as long as we can afford to buy a comfortable residence as a place to live and a place to shelter why not do it because in the end this is clearly an advantage in terms of a different perspective.

 At least they will get a place to live that every year does not need to think about rent, a house in the sense of a place to continue to survive is one of the most important assets that must be owned by every individual, a property that must be prioritized by everyone in owning a house, Bitcoin is one investment and ownership that is very ideal and while a house as a place to live and main activity is also a more important property.

What I meant was renting house when we don't have any responsibility so we can save more money, so later on when we have family we can buy the house in either full-cash, or in short-term installment, like less 10 years. In that case we don't need to pay 30 years of mortgages, but then again, I don't know if it's applicable in other countries but from where I can from it is still doable.

Buying or building home is important but it is not an investment you can only live on it but you can't earn money so you will not earn profit on buying home. while in buying bitcoin you will earn by holding on it i believe that there is an earning on it because i see the past price of bitcoin and until today i see the huge development or rising of its price.

Fair enough, yes, that might be possible to do... or maybe not.

There's no way to know the price of the houses in the future, and most likely they will be much more expensive than what they are today.

But you're right, in some cases it is cheaper to rent than to buy the same house, and you can invest the difference.

It is still a gamble for your future self to see if you first manage to save enough, and the house prices doesn't grow at a much faster rate, making it impossible.

I need a home badly right now, things would have been easier if I had my own home, who says Home is a bad investment? You don't know what you are saying, maybe it is bad based on your country but not mine, to rent a home is too overpriced and people are moving out of their comfortable duplex to two room apartment, it is this bad.

I am hoping to finally build a home but I believe it is best if you have the money, don't build a home if you can't afford that home thrice, when you can really afford something you should be able to do it three times, because it is best you use that money to expand your source of income first if all you have is money that can build one house only.

Due to the current hardship in my country people are even selling their houses, I was offered three different houses yesterday in different locations and the money for the homes are cheap, these people regret building the houses, now the want to use the money for business reasons.

Let put aside the rising cost of houses in the future which is certain to happen and then analyze the life of a family man to that of a single man and responsibilities. As a single young man with money it's easier to achieve many planned projects in your life than when you turn a family man with increased responsibility from kids and wife coupled together with that of yours. A single man only has his problem alone to care for as he is not obliged about others problems.

So building your own house as a young man when you can it's better and wisdom than renting waiting for when you get a family before embarking on it. Chances are that you not be able to build that house of your taste if you are lucky to afford building any because at that time your responsibility has tripled

I think that the reasons that you've given here for owning a home is good enough to see it as a good investment, that is asset that you can hold and pass on to your other people. Taxes and mortgages on homes varies depending on the location and country but for most places mortgages are not meant to tear your pocket, even when you pay the tenament rates to the government the house still belongs to you. Remember that if you don't live in your own house you'll still need to pay rent which is not cheap compared to taxes and mortgages. Having a house as an asset doesn't stop the person from investing in Bitcoin, you can decide to use huge amount of money or the amount that you can afford to loose to DCA and hodl Bitcoin. Bitcoin is a volatile asset and that means that it has a season when you can sale and make profits but real estate always appreciates in value no matter the season.

It clearly depends for each person, but I think that owning your own home makes a huge difference when you are older.

Sure, while young you can do anything, rent, move around, couch surf, do whatever. But good luck after you are being kicked out of your rental at say, 70. That would suck.

Also, the amount of money you would be saving by not paying rent after you finish paying your mortgage is massive. Night and day.

It's true that many people view homeownership as a solid investment, but when you break down the numbers, it may not always be the best financial move. Between mortgage interest, property taxes, maintenance, and inflation, the real gains can be quite small. That's why some argue that investing in Bitcoin, with its potential for higher returns, could be a smarter financial decision. Unlike a house, Bitcoin can appreciate faster and doesn’t come with the hidden costs of ownership. However, Bitcoin is also volatile, so it’s essential to weigh the risks carefully. Diversifying between property and digital assets like Bitcoin might offer a balanced strategy.

It would really be just that depending into someones approach or wish in life. Who wouldnt be wanting on having their own house? Even myself had been long time on wanting up a house
but i cant really just that able to sustain on paying up that mortgage on which it do usually last 20-30 years contract and this is something that i cant be able to confident assure myself that i could finish it of.
If we do really tend to make out some calculations then we could be able to save up on paying up some rent even for the rest of our lives and basing up on what you have elaborated about getting kicked or lost up that rental house then in todays availability of such rental houses then there's no worries about getting one but of course prices would vary or the rate on which it will really be giving out some hindrance.

In regarding about in torn between investment or making a house then it would really be just that according into your own preference and risks taking. Some people are really that risks takers on which they do have planned on establishing themselves on dealing up with some business or investment before they would be planning on creating their own house on which this one isnt really that a bad idea either. It is really just
that only a few who would really be considerate on taking up such step just because they cant be able to bare up with the risks involved.

We shouldn't reach a conclusion basing our estimates on a single aspect. We are only considering that Bitcoin is more volatile than the real estate industry and we think buying properties is a bad choice or investment, but let me tell you that this is not the right way to think about it. Despite all the expenses and hidden costs you have mentioned, a property can still be pretty profitable if you can maintain it well and if it's in an in-demand location within the city you have bought it.

Real estate business is not easy, not everyone can get into real estate because first of all, it requires a large amount of money for one to get started, secondly, it requires way more knowledge and experience about the industry than one might need about the cryptocurrency industry before investing in Bitcoin.

Those who know the real estate industry understand that Bitcoin might have the potential to provide higher profits in a shorter period. Still, you can't ignore the fact that Bitcoin's price drops as well whereas the real estate market tends to keep growing in terms of value over time. So it's not a terrible investment if you know what you are doing.

Sure, Bitcoin has outperformed everything else so you could say literally anything is a horrible investment compared to Bitcoin. However, Bitcoin isn’t a house that you can live it. It won’t provide you happy memories of Christmas mornings or Thanksgiving dinners. So it is easy to only look at the financial aspect, but you only get one life and the goal isn’t to die with the most money.

I'm interesting in make low cost house, like did Elon Musk in USA. I think that it a great business in the short run.

Anyway, invest in bitcoin also is a great idea, but is that thing that all the world make.

 I don't know if I have commented in this thread, but nevertheless let me make my views of comparison between buying of house and investing in bitcoin, two things is involve in this situation, it's neither you understand the kind of investment you are into, for me I will prefer bitcoin because when you invest in bitcoin for long-term, bitcoin price might increase twice or double up two times of what you can use and purchase a house, despite that land increase or appreciate as bitcoin price may appreciate in future, but I know that will be more comfortable if I invest in bitcoin, because during the time I want to sell my bitcoin I will not need agent to my bitcoin but property like house you will need agents to sell your house and it will delay

Yeah, I guess it also depends on the country that you are living.

Some countries have a huge home ownership like China, at 96%, whereas Nigeria is at 25%.

Here's the data: https://en.wikipedia.org/wiki/List_of_countries_by_home_ownership_rate

I think it's important to quantify also the amounts involved, because it might be extremely expensive and therefore you would be pretty much in the same situation as renting.

If you don't owning a house, you will saving your money to buy that house. But if you already have it, you can buy another thing for the investment. It is not be a problem if you buy a house as your investment but you must think that a house needs maintain and the cost sometimes will be higher if no one live in that house. You need to think about the inflation that will need money to pay. Maybe you can think to have the other investment such as Bitcoin or gold so you can allocate your money in the right thing. If you buy a house because you want to rent that house, that can be your additional income because you can earn more from that house.

That is one of the essentials of owning a house you will be free from paying rent and have less expensive to spend on because you can even start a mini farm in your yard but I don't think you can do that in an rented apartment, and you have to play by the rules of the landlord, and the landlord can even decide to increase the rent and you won't have a choice than to pay, and after years of staying in a rented apartment the money is going to be equivalent to building a house and I have seen people go for smaller houses so that they will be able to actually save in building or even buying their own house. And even when you are no more your children will still inherit the property they can choose to keep or even sell. Having a house is also a good and it is know as an asset, and when you invest or even trade you might get enough money from it,  to even buy a house that is the whole advantage of investing so the two is good and anyone you go for first is also not a bad idea.

The most important thing about this that many people seem to forget, is that you are going to save so much money once you own it.

You will not have to pay either rent or mortgage, and because that is usually the largest expense it means you will have so much more money to invest.

If you are rich already you might get away with renting, as long as you already own some other property that you can move to if needed.

I can't help but agree with that. Many people don't understand the value of having their own home, investments and businesses are indeed important to have but that doesn't mean one should spend the money they have for buying their home on those investments because the feeling of having your own house is different and only a person who has been living on rent forever would understand this and the importance of having a home where they can live without any worries or tensions.

If I'm asked whether I would invest in Bitcoin or buy a house, I would say that if I have a stable source of income and I know I will be earning money every month to take care of my household and all the expenses and I have enough money to buy myself and my family a house, I would go for the house because I know I can invest money in Bitcoin or cryptocurrencies slowly from my income but I won't be able to easily have my own house again.

Although the real estate business may not be so suitable in the United States, it is not the case that this business is not profitable in other countries of the world. Especially Asian countries including Pakistan, India and Bangladesh etc. This business is quite profitable. People buy and sell property and earn huge profits. But it requires experience.
But on the other hand, Bit coin trading also involves experience and constant hard work and study. And people do successful business through crypto currency too.

You are right. If real estate is not profitable in some part of the world, it will be in the other parts, which is right, and generally it is usually profitable in almost all part of the world because people would live in a shelter, and they will either buy or rent one which is why real estate will always remain profitable despite the economic situation.

Bitcoin on the other hand is also profitable, and it is a store of value which can help you against inflation.
Bitcoin investment gives you total privacy, no one need to sign for you to own Bitcoin, it can be with you for long and no government will ask you for revenue or task for holding Bitcoin because they don't know if you are holding one or not. With Bitcoin Investment, you will have financial freedom, and if you didn't tell anyone about it, you will be fully secured because know knows you have such huge amount of money; while having land or house property expose you to some security threats because people will definitely expect you to have money.

Bitcoin is the biggest game changer in the financial sector ever, I believe investing in BTC could make us much richer than other traditional markets.

It would to be right if you mention it as home property.

I understand that, when you have no property (a house), you buy one for yourself. It's still called a liability.

Also, if you own more than one property, like a house and an apartment, I never consider them to be investments. They are still liabilities. This was because i was seeing them from business standpoint.

It's totally different from the commodity Bitcoin, which we can trade to store value.

Building a house is a basic need to live in. Since house is necessary to make life better, I don't think building a house is an unreasonable plan at all. After building a house one can invest in bitcoins if there is a desire.  But it is reasonable to invest in bitcoins in house modification but I would definitely prioritize building the house first to maintain the lifestyle.

Yeah, that's the main thing.

You need to live somewhere, so that is going to be a thing that you will always be paying for if you are renting.

If you own your home you will still need to make some small payments but nothing compared to rent which will continue to increase forever.

Also, you can't be kicked out of a place you own, whereas with rent you can be.

Buying a home today is not nearly as good of an investment as buying a home was 6 or 7 years ago. Also, if you would have bought bitcoin in that time frame you would be able to buy that same home and still own a ton of bitcoin. Its really a crazy thing to think about. The thing is that usually when you buy the home you go into debt so the money you put down on the down payment is really what you would have to had invest and your quality of life wouldn't have been as good probably, but still probably would be able to pay for it and still have some left over if you had.