Pretend Thinking
Buying a house is the biggest obstacle to "financial freedom" for most ordinary people.
1. To save for a down payment, many go for years without touching their money, losing opportunity cost;
2. Every month, carrying a fixed loan, plus additional property fees, maintenance fees, and property tax.
Buying a house locks in liquidity and weakens investment returns.
A house is not an "asset"; it consumes money. True assets should be things that help you generate money, such as long-term stable high-quality stocks, low-cost ETFs, or even a reliable side business system.
Buying a house does not equal being secure, and not buying a house does not mean failure.
What you need is cash flow + investment returns + a flexible life,
not a house + a mountain of debt + an immovable future.