Housing Security: The Underappreciated Benefit of Owning In A Rising Rent World

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Nov 13, 2025

The discussion dives into the crucial distinction between renting and owning a home, especially as one ages. Owning a primary residence is framed as a hedge against inflation and unpredictable rent hikes. There's a compelling analysis of housing inflation outpacing wage growth, pushing the need for ownership. Real-life experiences underscore the impact of rising rents on older adults. The podcast also emphasizes the psychological benefits of stability and community that come with homeownership.

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ADVICE

Buy When You Plan To Stay

Buy a primary residence once you expect to stay 5–10 years to get neutral exposure to housing inflation.
Fix most living costs early so you can invest aggressively in other assets and simplify life.

INSIGHT

Renting Is Shorting Housing

Renting long-term is effectively shorting housing because renters are price takers to rising rents.
Owning your home hedges housing inflation and can make you relatively wealthier over time.

ADVICE

Get Neutral Then Invest Aggressively

Achieve 'neutral' real estate by owning your primary home so you ride housing cycles without being fully long.
Then allocate surplus capital to stocks and other investments for higher returns.

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The debate between owning and renting will go on forever — it all depends on your stage in life, finances, and lifestyle. But as you get older, one thing becomes clear: housing security matters more than ever.

The last thing you want in retirement is to be forced out of your neighborhood because of rising rent. Yet as a renter, you have little control over how much your landlord raises prices, especially if you're not in a rent-stabilized home.

With housing inflation outpacing wage growth, it's time to get neutral real estate by at least owning your primary residence. In this episode, I'll share why ownership becomes more valuable with age — and how to think about real estate in a world where affordability keeps shrinking.

Read the post for more details and discussion: Please Don't Rent For Life: Housing Security Is Vital

Invest In Real Estate Passively

If you can't buy a home yet, don't sit on the sidelines while housing prices and rents keep rising. You can still participate in the real estate market and build wealth over time — without needing to come up with a massive down payment.

That's why I've invested with Fundrise, a platform that allows everyday investors to gain exposure to residential and industrial properties nationwide. With over $3 billion in assets under management and 350,000+ investors, Fundrise makes it easy to own a piece of the real estate market that continues to compound in value.

Real estate has historically been one of the best ways to hedge against inflation and grow wealth passively. And with a minimum investment of only $10, anyone can start investing today.

Fundrise has been a long-time sponsor of Financial Samurai because our philosophies align — consistent, disciplined investing in tangible assets to build financial freedom.

Regards,

Sam

To expedite your journey to financial freedom, join over 60,000 others and subscribe to the free Financial Samurai newsletter. You can also get my posts in your e-mail inbox as soon as they come out by signing up here. Financial Samurai is among the largest independently-owned personal finance websites, established in 2009. Everything is written based on firsthand experience and expertise.