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RE: Should Crypto Investors Rent or Buy Their Home?

A home that you live in is not an investment. It is a liability. You have to pay money to maintain it, clean it, fix it, power it, etc. It doesn't pay you back unless you sell it. The problem is that if you sell it, you still need a place to live. Hence it is a life obligation & liability. The argument of choosing rent vs. buy only is worth having if you intend to pay off the mortgage in full and own the property freehold. If you are looking at retirement, then this would be a prudent strategy.

The thing is that food, shelter & clothing are physiological needs that we all have and without any of these, we die. Bitcoin is not something we must have to survive, therefore it is more of a tool to empower the individual to obtain those things that sustains us. I would put priority over shelter than holding any form of investment, no matter how attractive that investment is.

That said, if you are buying real estate to generate rental income, then it is a much easier debate to have - will I get a better return on rental property or crypto? Both have pros & cons. Rental properties have great tax deduction strategies. BTC does not. Rental property generates cashflow AND equity increase. BTC only generates an equity increase. The thing is that real estate rate of return is way slower than higher risk investments like crypto, and the same comparison could be made for any high risk investment. But at least we are able to compare investment strategy A vs. investment strategy B.

If you are looking at a home as a means of shelter, again I repeat - it is not an asset. It is a liability. Hence you can't compare a liability with a liquid investment asset such as crypto.