Forced Savings Discipline of a Mortgage

Forced Savings via a mortgage acts as a behavioral nudge that outperforms typical renters' investment habits, building equity even in flat markets. Studies show that 70% of renters never invest the difference, while homeowners accumulate a median of $200,000 in equity over 30 years. This discipline makes buying more reliable than renting for long-term wealth building, despite market fluctuations.