Ask The Compound

Should You Buy a House Right Now?

22 snips
Jan 7, 2026
Bill Sweet, a tax expert known for his insights on retirement planning, shares his expertise in this engaging discussion. He delves into the nuances of Roth strategies and the benefits of conversions, especially for young earners. The conversation covers the surprising hidden costs of homeownership and strategies to mitigate risks in real estate investment. Sweet also sheds light on the intricacies of leveraging margin borrowing and the advantages of charitable giving in tax planning. This is a must-listen for anyone navigating today’s financial landscape.
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INSIGHT

Housing Rarely Loses Over Long Horizons

  • Nationwide housing prices rarely fall and long horizons reduce downside risk.
  • Case-Shiller data shows 10-year periods were positive 98% and 15-year periods never negative since 1950.
ADVICE

Buy With A 10+ Year Mindset

  • If buying now, plan to live in the house long term to avoid frictional costs.
  • Consider paying more for a home you'll stay in 10+ years rather than a short-term starter home.
ADVICE

Use Cash Or Smaller Down Payments Strategically

  • Use lower down payments to preserve liquidity and diversify capital deployment.
  • But remember leverage magnifies losses as well as gains, so weigh the trade-off.
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