Скачать или смотреть Rent or Buy in 2026? The 3-number test

Rent or Buy in 2026? I Ran the Numbers Over 30 Years. The "wrong" choice won by $200,000. Comparing your rent check to a mortgage payment is already the wrong math.

In this episode, I break down the real unrecoverable costs of owning vs renting, why the famous "5% rule" is outdated at 2026 rates, and how to figure out what works best for YOUR city and situation.

✅ What you'll learn:
Why comparing rent to a mortgage payment is the wrong math
The updated "5% rule" for 2026 (hint: it's closer to 7%)
How leverage and inflation protection give homeowners an edge
The hidden costs that break most buy-vs-rent spreadsheets
The simple 3-number test to decide for your situation
Why "homeowners are richer" doesn't mean buying makes you rich
The discipline problem most "rent and invest" plans ignore
How taxes tilt the scale (but rarely flip it)

⏱️ Chapters
00:00 The $200K surprise
00:48 Why this feels impossible in 2026
01:41 The biggest myth (mortgage ≠ cost of owning)
02:07 "Homeowners are richer" — true, but…
02:28 The 5% rule, upgraded for 2026
03:55 Buying Brian vs Renting Rachel
05:29 The homeowner superpowers (leverage + inflation lock)
06:26 The hidden costs that break the math
07:41 The 3-number test
08:41 Reality check: discipline
09:09 Reality check: concentration risk
09:34 The tax angle
10:10 The scoreboard: when renting wins vs when buying wins
11:05 Your homework

Drop your numbers in the comments. I want to see how this looks city by city.

If this video saved you from a bad decision or confirmed a good one, hit like so the algorithm sends it to someone who needs it.

This video is for educational purposes only and is not financial, tax, or legal advice. Investing involves risk. Do your own research or consult a qualified professional.

#RentVsBuy #PersonalFinance #RealEstate #Investing #WeeklyCompounding