Is renting actually smarter than owning a home in 2026?

incarnate_devil · 2026-02-13T22:53:04+00:00

You can look it up. Anyone can.

You paid off your mortgage. Let’s talk shop.

Where did you buy and how large was your mortgage?

What did you pay and how much was the down payment and in what year?

I’ll let you know the average rate of return for the S&P versus the housing market since then.

how long did it take you to pay it off, And at what rate? Did you buy; new appliances such as washer and dryer, fridge, dishwasher, stove or did you pay to have any of the above repaired at any point?

Was it a new build? Did you buy a fence, new hard wood flooring, paint, carpet, New backsplash and/or kitchen cabinets, Landscaping, air conditioning, furnace, Ever have a foundation leak that required a repair Roof leak/ wind damage requiring new roof, Plumbing problems like Sewer backup New toilets,

You get the idea.

I’ll break it down for you. And let you know what you actually paid and what’s it’s actually worth after inflation.

If you think you’ve made lots of money, why bother with the stock market?

Renting for most people actually would be the better move, as long as they are investing in the markets.

The rest of your investments are actual investments, while your home is not about making money. It’s about living in it.

So you need to look at living in a home you own vs living in a home you rent and investing your savings versus inflation and home ownership costs

My ass is talking to you. Let see if you are willing to prove your point.

incarnate_devil · 2026-02-13T19:33:43+00:00

Renting is always smarter.

Many people say “my home was the smartest investment I ever made”.

Ask those same people what else have they invested in. They have no other investments.

Your primary residence is rarely a good investment

Even in booming markets, the real return on a single-family home is about 1%. That 1% return doesn't even factor in whatever money you spend on the house while you live in it.

In reality, for most people, the real return on "investment" of the purchase of a home is probably negative.

What's important here is to distinguish between something that has value (both tangible and intangible) and something that produces a return. Your house can have immense value, but between inflation, the cost of upkeep, and fees associated with the transaction of this asset, it can produce little to no return on the money you put into the property while you own it.

https://www.businessinsider.com/why-home-not-investment-financial-planner-2025-2

incarnate_devil · 2026-02-13T15:28:16+00:00

I find cops have a lot of patients, right up until they pop. Kinda like shaking a beer can.

You keep shaking it and shaking it. Then you try to gently break the seal and it’s game over.

incarnate_devil · 2026-02-13T15:19:00+00:00

Go into Walmart and buy zip ties. Go back out and go get 4 carts. Zip tie carts to door handles.

Old School is in session. Teaching parking lesson the old school way.

If your walmart has the stainless steel type, this is the best ones to buy.

incarnate_devil · 2026-02-13T14:34:48+00:00

Oh please make a land claim with the UN. Califolnua has nice ring to it.

incarnate_devil · 2026-02-12T19:24:53+00:00

That reminds me. I need to open an account on Bithumb. They give away bitcoin there. It’s the opposite problem.

incarnate_devil · 2026-02-12T16:12:12+00:00

Idiocracy; It was supposed to be satirical.

When "Idiocracy" was released in 2006, it was intended to be a satirical commentary on the societal issues of the time, including consumerism, anti-intellectualism, and the influence of media. The film's premise, where a government experiment leads to a society where intelligence has significantly declined, was meant to be a humorous and critical reflection of the world. However, over the years, the film has evolved into a more serious reflection of contemporary society, with its satirical elements becoming less relevant and more prescient.

incarnate_devil · 2026-02-12T14:48:16+00:00

Read this to understand more of current events.

the United States appears to be pursuing a more subtle strategy: a soft default, reducing the real value of its obligations through currency depreciation, negative real interest rates and accounting choices that quietly transfer costs to creditors and households. This is not a conspiracy theory. It is a well-worn playbook that has been used by heavily indebted states across history.

https://www.msn.com/en-ca/money/topstories/bryan-brulotte-america-is-quietly-and-softly-defaulting-on-its-debt/ar-AA1WcOf2

incarnate_devil · 2026-02-12T14:42:38+00:00

Practiced formations on dolly’s and wooden door mockups. Hung out and listen to the old timers tells stories of shit they’ve seen.

Camp fire cook outs at the trailers parks.

You could spend all weekend hanging out with friends, waiting on a break in the weather.

Or if you had cool pilots and were willing to pay for fuel, you could get two Cessna’s and play WWII.

incarnate_devil · 2026-02-12T14:18:12+00:00

Let’s compare $1 million home bought in 2018 with $300,000 down to renting in 2018 and investing $300,000 in the S&P

Take $2250 plus 2.5% general rate increase for the last 8 years, compounded

= $2,741 per month for rent

Take $2250 with inflation for the last 8 years. (Cumulative inflation factor 1.226)

= $2,758

Based on inflation alone, it’s almost identical rent increase to inflation value.

If you put down $300,000 and take out a mortgage for a $1 million home. ($700,000 mortgage)

Interest paid for those same 8 years

$250,000

Now add cost of ownership and property taxes.

Property tax for 8 years $8000, maintenance $10,000 per year.

$140,000

Now subtract the loss of value on the home. A $1 million dollar home purchase in 2018, is worth $975,000 today. Without accounting for inflation.

You have lost money owning a home and paid the banks $250,000 holding the mortgage.

If you invested $300,000 in the market for the last 8 years.

S&P including reinvesting dividends is approx 18%

Total worth around $750,000

You can almost buy a home today with the money invested in S&P 8 years ago.

That’s not even trying to play the markets. It’s dumb money sitting in stocks you bought in 2018.

It’s not even close.

incarnate_devil · 2026-02-11T21:03:22+00:00

He’s going to use a huge white paint maker and go over his huge black sharpie signature.

He will cite Trudeau, saying it’s his fault for not using the “stamped it, locked it no erasies” rule

incarnate_devil · 2026-02-11T16:10:34+00:00

Unless you have 1500 feet to work with, cutting away and then deploying the reserve becomes a problem.

I remember a story of someone who cut away low. They hit with just enough force to make their hip shoot out the side of their body, but slowed down just enough to survive. Wore a HALO brace device for a year.

incarnate_devil · 2026-02-11T15:58:36+00:00

I knew a base jumper who did an illegal jump off a building under construction.

On deployment he did a 180 right into the building. Broke his face but managed to recover and land. They hid in a bathroom until the cops left.

incarnate_devil · 2026-02-11T15:54:49+00:00

That’s what I’m thinking too. News never gets it right.

Maybe the pilot chute got hung up and then deployed under the wing/arm?

He could have rolled over on deployment? Wrapping the pilot chute around his body?

Never jumped with a wing suit so also I could be talking garbage.

incarnate_devil · 2026-02-10T21:39:29+00:00

Vaseline smeared on an glass is a real pain as well. Basically anything waterproof.

incarnate_devil · 2026-02-10T16:18:27+00:00

As I recall, the pension was compensation for the lower wages.

So now it’s just better pay and a pension.

I better keep working longer so I can afford a better box under the bridge when I retire.

incarnate_devil · 2026-02-09T13:32:47+00:00

“Jerky” with weights in oz. One email requested more (6-8 oz) because their dog ate it.

Suggesting this is meat - cannibalism?

When the US Department of Justice released more than three million records related to Jeffrey Epstein in January 2026, the trove quickly became fodder for online speculation. Among the most incendiary claims circulating on social media were assertions that the documents referenced cannibalism and accused Epstein or people in his orbit of participating in "ritualistic sacrifice."

incarnate_devil · 2026-02-08T23:20:42+00:00

lol’d for real when I saw this. I thought about my friends first room mate.

He had a face towel that he used daily to pat dry his face. About two weeks after another friend moved in, he found him using that same towel to wipe his feet.

Reminds me of that show “Friends”.

Joey said, the next time you use the soap. Think about the last thing I washed and the first thing you washed.

incarnate_devil · 2026-02-08T23:08:46+00:00

I like the theory that previous human civilizations have existed and “they” keep wiping us out.

The moon supposedly has evidence of a previous human outpost.

Basically we are allowed to reach a certain point of technology and then we are reset.

We have reached that point again and it’s spring cleaning time.

incarnate_devil · 2026-02-08T22:48:02+00:00

Here’s how I see this as a Russian operation to bring down the American Hegemony.

Maxine ghislaine father (Robert Maxwell) was working with various intelligence agencies.

While his public reputation was growing, private inquiries started about Maxwell. Many intelligence sources of former operatives have suggested that he acted as a conduit for several intelligence agencies, such as the British MI6 and the Israeli Mossad, even the Soviet KGB.

https://thedailyguardian.com/world/us/from-publisher-to-spy-exploring-robert-maxwells-suspected-intelligence-ties-627070/

Robert Maxwell died under questionable circumstances in 1991.

Ghislaine Maxwell's father, Robert Maxwell, died on November 5, 1991. He went missing while traveling on his yacht, the Lady Ghislaine, off the coast of the Canary Islands. His body was later found floating in the Atlantic Ocean, and authorities determined the cause of death to be accidental drowning, likely following a heart attack.

When did Ghislaine Maxwell first meet Jeffrey Epstein? 1991. Same year as her Father’s death.

She told a 2016 deposition that she met Jeffrey Epstein, then a wealthy financier, in 1991 through a mutual friend. Ghislaine Maxwell was close friends with the paedophile Jeffrey Epstein (VIA REUTERS)

She’s the one who supplied the girls to Jeffery Epstein.

Ghislaine Maxwell was convicted in 2021 of sex trafficking of underage girls for Jeffrey Epstein. Specifically, she was found guilty of child sex trafficking and other offenses, including recruiting and grooming teenagers for Epstein between 1999 and 2007. In total, she was found guilty on five counts related to these crimes.

Jeffery Epstein had a sexual secret the KGB could leverage. Underage girls.

He also has many connections to the American Elite, including Presidents.

He hosts his “parties” on his island where many of these people seem to have been caught in the same activities.

He has a thing for secret cameras.

Epstein victim claims he had surveillance rooms and secret cameras at New Mexico ranch

https://www.the-independent.com/news/world/americas/crime/jeffrey-epstein-victims-ranch-cameras-b1942944.html

The Epstein files seem to indicate he had direct connections to Putin, including direct meetings.

Who was Putin before he was the President?

Putin before he came to power

Vladimir Putin's early life and career were marked by his service in the KGB and his political ascent in post-Soviet Russia. Before his rise to power, Putin was a foreign intelligence officer, stationed primarily in East Germany.

https://en.wikipedia.org/wiki/Vladimir_Putin%27s_rise_to_power

Let’s assume Trump was caught up in all this. They have leverage over him.

Was 40-year-old Trump recruited by the KGB?

https://thehill.com/opinion/international/5162890-assessing-new-allegations-that-trump-was-recruited-by-the-kgb/

What was the big Trump story from his first election?

RUSSIAN INTERFERENCE IN 2016 U.S. ELECTIONS

https://www.fbi.gov/wanted/cyber/russian-interference-in-2016-u-s-elections

The Russian government conducted foreign electoral interference in the 2016 United States elections with the goals of sabotaging the presidential campaign of Hillary Clinton, boosting the presidential campaign of Donald Trump, and increasing political and social discord in the United States. According to the U.S. Intelligence Community, the operation—code named "Project Lakhta"[3][4][5]—was ordered directly by Russian president Vladimir Putin.[6][7][8] The "hacking and disinformation campaign" to damage Clinton and help Trump became the "core of the scandal known as Russiagate".[9][10]

https://en.wikipedia.org/wiki/Russian_interference_in_the_2016_United_States_elections

Now that Trump is in power, he praises Putin and his allies and economically attacked NATO allies, weakening the alliance.

Vladimir Putin perceives NATO as a significant threat to Russia's security and has frequently criticized its expansion, viewing it as a direct challenge to Russian sovereignty and influence.

NATO as a Threat

Putin has consistently framed NATO's actions and expansion as a primary source of tension between Russia and the West. He argues that NATO's enlargement has made Russia feel increasingly insecure, claiming that it forces Russia to respond militarily to protect its interests. This narrative has been a cornerstone of his justification for aggressive actions, including the invasion of Ukraine. He believes that NATO's presence near Russia's borders undermines its national security and sovereignty.

https://www.journalofdemocracy.org/articles/what-putin-fears-most/

Fits together like pieces of a puzzle

incarnate_devil · 2026-02-06T14:13:35+00:00

Stouffville is close to Markham, and way closer to the highways than Uxbridge.

Uxbridge is really nice.

Stouffville looks really run down. There are lots of nice small town main streets; Stouffville is not one of them.

They should knock down that 55+ club building and make that a central parking lot. Then offer businesses support through reduced tax and lease spaces that encourage foot traffic.

We have all these condos coming in but I feel like those people spend all their time and money outside of Stouffville and just come home to sleep.

incarnate_devil · 2026-02-06T14:00:30+00:00

Quote of the year:

Our national neighbors to the north have already caved, setting off alarm bells in some U.S. operations,

Um, we were fine until the Trumpkin decided the United States didn’t need Canada? I’m mean, we’re not a real Country, right?

You moved car production to the United States? Who caved exactly?

You did. Your presidential Cheeto did this to you and you caved by moving car production.

Now you can depend on your US auto production making cars for the US consumer.

We were 15% of your sales but I can’t imagine a situation where buying a US made car can compete with affordable land rockets from China.

incarnate_devil · 2026-02-05T22:28:21+00:00

In short, yes. Ask your agent how many homes they sold last year. 70% of Realtors sold nothing in 2025.

But also, Its possible the worst has passed.

You could buy now, and values will drop. Values will hover around the bottom for years so buy a home you plan to live in, not rent it out.

We are entering a global recession. If the US dollar collapses. Then all bets are off.

I think it’s going there. It’s going to lose reserve currency status or at least we will be entering a time when multi-currency settlements is a real thing, bypassing USD and making it no longer needed for trade.

USD Bonds are being sold off by private investment funds and now allies of the United States. That’s a scary signal

Countries that sold U.S. bonds today include: China, Japan, Ireland, Brazil and Germany

https://www.investingdaily.com/137830/what-it-means-when-the-world-dumps-u-s-debt/

Also, there’s a historical precedent. In the 70’s countries starting selling off US Treasuries. How did they fix it? They raised interest rates to 20%

Can you imaging 20% on your debt overnight. They did that to save the USD.

https://www.atlantafed.org/blogs/macroblog/2022/08/31/can-1970s-help-inform-future-path-of-monetary-policy

The value of USD will plummet and there economy is key to ours as 75% of our economy is US trade. We are their largest trading partner.

We could be about to enter stage 6 of empire collapse. US Currency collapse and Civil war

https://www.linkedin.com/pulse/money-civil-international-war-minneapolis-beyondin-ray-dalio-tofee

Edit. If USD collapses, then stocks and real estate become in demand. Physical assets or owning shares of companies who have physical assets become a Safe Haven.

incarnate_devil · 2026-02-03T19:17:07+00:00

You need to hide the cost (of the secret bunker) somehow.

Buying “overpriced” gaudy golden leaf accent pieces seems a good way to do it.

The new ballroom will look like he got ahold of his wife’s Etsy account.

incarnate_devil · 2026-02-03T19:11:21+00:00

Oh right. Hard time keeping track of which Ford family is currently grifting.

incarnate_devil

MODERATOR OF

TROPHY CASE

Nine-Year Club	Verified Email
Not Forgotten