주택 소유권: 부를 쌓을 것인가, 아니면 유연성을 확보할 것인가?

### 주택 소유: 부를 쌓기 위한 좋은 투자?
* 🏠 물론 주택 소유는 좋은 일이며, 대부분의 미국인에게 **주택 소유는 실제로 부를 축적하는 유일한 방법**입니다.
* 📈 "주택을 소유하고 한 곳에 오랫동안 거주하는 것이 목표라면 **주택 소유는 시간이 지남에 따라 자산을 쌓을 수 있는 좋은 방법**입니다.
* 🔒 "하지만 제약에 얽매이고 싶지 않거나 유연성을 선호하는 경우 **임대도 유효한 재정적 선택**이 될 수 있습니다."
* ⏳ "현재의 높은 물가 때문에 주택 구입은 **최소 5년에서 10년을 내다보고 결정**해야 합니다."
* 💰 " 미국인의 주택 소유를 통한 순자산이 **35% 증가**했다는 것은 저축과 투자 규율이 제대로 지켜지지 않았다는 것을 의미합니다.
* 📊 "통계에 현혹되어 **집이 부를 쌓는 유일한 방법**이라고 생각하지 마세요."
* 💸 " 집은 사용 자산이며, 이를 부로 전환하려면 **집을 팔거나 집을 담보로 대출**을 받아야 합니다.

주택 소유는 부를 축적하는 좋은 방법이지만, 이 경제 상황에서 개인의 목표와 우선순위에 따라 달라집니다.

[Music] Amber has a question. She says, Is home ownership really a quote-unquote good investment? What does building equity even mean? Is renting forever really a bad thing in this economy? Can I give some flavor from data that I know? There's two words that you should respond with, but yes. Well, I want to give some background because this is more of a state of Americans that bothers me a little bit because it will give some flavor to this. Is home ownership good? Every four years, we get the updated information from, I believe, the Fred, you know, the Federal Reserve updates where net worth are for Americans. And most recently, the most recent update that came out, I got super excited because networks were up 35%. Sadly, do you know what pretty much 100% of that increase was? I consider the inflation impact of housing, and people who own their houses, they were up 35%. And I realized how people just aren't actually prioritizing their army of dollar bills and building up liquid assets when we did our net worth by age.

show, this year we actually used that Fred data to show that people just are not saving and investing. So I'll say my short answer is, of course, home ownership is good, and for most Americans, the majority of Americans, it's the only way they're actually Building Wealth, but that is not how I think you ought to look at your army of dollar bills. I think there is a missed element of Building Wealth versus keeping wealth that people are missing. Yeah, Amber, the way that I'll answer your question is, owner, is home ownership a good investment? Depends, yeah, it depends, it depends on what your goals are. If your goal is to own a home and be in one place for a long period of time and build memories and set roots and establish a foundation, home ownership is a great way to do that, and you can over time build equity in that. If you borrow money for it, you pay down the money you borrowed, and houses do generally increase about at the rate of inflation in normal markets over the long term. So can you build equity, and can you build

wealth through home ownership. Absolutely. Does that mean that you have to buy a home? No. If you're someone who doesn't want to be tied down, maybe you don't want to live in one area for more than 5 to seven years, and you want the flexibility to be able to live in different parts of the country, or you want the ability to go travel internationally for a season, or you just don't want to have the maintenance and the upkeep and the responsibility of home ownership, there's nothing to say that you have to own a home in order to be wealthy. You have to buy a home in order to be able to be financially independent because we've seen people do it both ways. Folks who bought homes and did incredibly well, and they, you know, parlayed their first home into their second home and their second home into their final home, that's great. And we've seen other folks who always chose to rent, and what that rent did is it provided them with flexibility because they prioritized flexibility over the

foundation of being in one place for a long time. So I would argue if you, if you've not gone and check out a home buying checklist, and you can't say definitively that I know that I'm going to be doing this and I have some security around this and this is the place that I'm going to stay, home ownership might not be for you. It might not necessarily be for you in this season. And I certainly, you know, for most folks, a home is the single most expensive thing that you will ever buy. It's the number one largest thing you'll ever spend money on. I would never let someone force me into making the largest purchase decision I'll ever make just because someone else told me, Oh, well, that's what I'm supposed to do, or, That's the next step in the process, or, Oh, you have to do this. That may or may not make sense for your situation. So you need to Define for you, is home ownership a good thing. And I even in parenthesis, in this season, is home ownership a good thing in

this season and answer that question honestly. Yeah, and I'd lean heavily on the time component. We typically say housing, it needs to be at least a 5-year decision. I think with where housing prices are right now, it needs to be more of a 5 to 10-year in just this moment in time because we have had such a huge run-up, you know, with inflation. So, pay attention to that. And then, don't look at the stats. This is why you always have to be careful of statistics. It's the fact that because Americans only had money go up 35% through home ownership, does that mean that's the only way for Americans to build wealth? No, I think it's more of an indictment on how bad Americans are being disciplined and saving and investing for the future. It's kind of like when I used to work at the airport in Atlanta while I was in college to make money. I lost a tremendous amount of weight when I was a baggage handler, throwing, you know, bags on the planes. But the reason I

lost a tremendous amount of weight is because it was 100° inside of an airplane, and I'm working my butt off. That doesn't mean you have to go climb into the belly of an airplane to lose 20 lbs of weight. It means you just need to know what is actually creating this result. Don't let somebody tell you just by looking at the statistics and say, Hey, houses are the only way you can build wealth, because that's what the American Research shows you. Just I want you to have money that works for you. Start actually following the financial order of operations because housing is a use asset. The only way you turn that into wealth is you actually have to sell the house, the shelter that you are raising your family in, to get the equity out of the house, or you have to borrow against it. Neither one of those are great options. I'd rather you have your army of dollar bills completely outside of the household so that you can actually live, work, use those assets that are building up in the background. It's great.

Is Homeownership Really A Good Investment? (Can I Rent Forever?)

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부를 쌓는 데 있어 주택 소유의 역할

주택 소유는 특히 미국인의 순자산 증가를 고려할 때 자산과 부를 쌓는 데 좋은 투자입니다.

하지만 주택 소유에 집중하다 보면 유동 자산에 대한 저축과 투자를 소홀히 할 수 있습니다.

주택 소유의 이점은 시간이 지남에 따라 뿌리를 내리고 자산을 쌓는 것과 같은 개인의 목표에 따라 다르지만, 부를 쌓는 데 미치는 전반적인 영향을 고려해야 합니다.

임대를 통해 유연성과 여행의 자유를 누릴 수 있기 때문에 주택 소유가 재정적 독립과 부를 위한 유일한 길은 아닙니다.

주택 소유는 중대한 재정적 결정이므로 다른 사람의 의견이나 사회적 기대에 따라 결정해서는 안 됩니다.

주택 소유가 현재 상황과 재무 목표에 적합한지 평가하는 것이 중요합니다.

주택 가격이 자산 형성에 미치는 영향

주택 가격이 35%나 급등하면서 미국인들은 주택 소유가 부를 축적하는 주요 방법이라는 믿음을 갖게 되었습니다.

그러나 이는 실제로 미래를 위한 저축과 투자에 대한 규율이 부족하다는 것을 반영할 수 있습니다.

현재의 주택 시장 추세는 상당한 인플레이션으로 인해 주택에 관한 의사 결정은 5~10년의 기간을 고려해야 한다는 것을 시사합니다.

기온이 체중 감량과 재정적 부에 미치는 영향

비행기 안의 높은 온도는 체중 감량에 영향을 줄 수 있습니다.

부를 쌓기 위한 핵심은 재정 운영의 질서를 따르고 돈이 나를 위해 일하도록 하는 것입니다.

주택은 사용 자산일 뿐 부를 쌓는 유일한 방법은 아니며, 재정적 성장에 사용할 수 있는 자산이 집 밖에도 있는 것이 좋습니다.