Frugal Friends Podcast Why I Sold my House & CHOOSE TO RENT! The Math Will Shock You
Oct 17, 2025
The hosts dive into the bold choice of selling a house to rent, exploring the math and emotions behind this decision. Jill shares her journey from RV living to homeownership, highlighting the impact of natural disasters on her perspective. They break down the real costs of mortgages versus renting, unveiling hidden expenses of homeownership. Jill discusses her newfound peace, flexibility, and significant financial gains from selling. The episode addresses who should consider this lifestyle change and the trade-offs involved.
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From RV Life To Homeownership
- Jill lived in an RV before buying a house, using sales to fund goals and a down payment.
- The RV lifestyle bought them flexibility and helped pay for graduate school and their home down payment.
Hurricanes Prompt Rethink
- Severe hurricanes and mandatory evacuations changed Jill's view of coastal home risk.
- The stress of repeated evacuations made selling and renting feel like a real option.
Capital Gains Rule Changed The Math
- Primary residence capital gains exclusion lifted a key barrier for Jill selling.
- She learned couples can exclude up to $500,000 after living in a home two years.
