this post was submitted on 29 Jul 2026
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We actually decided against buying a home, because we are still young and our family is still growing, so we don't know what we need in ten years from now. Also, we know that our needs will change once the kids have moved out, so getting something permanent (or at least less flexible) doesn't make sense right now. Of course, a bought home can also be sold again so it's not completely permanent, but it's much more easy to switch to a different rental. And then, it seems like ETFs are a potentially better investment than real estate right now, so why put money into real estate?
All that being said, we are living in a "right to dwell" system right now that is different from rental in that you can't be evicted as long as you pay rent. So the owner of the building can't just throw you out for other reasons. So it's different from a normal rental where the landlord basically can make up all kinds of reasons to get you out.
I guess it depends if you have a maximum number of kids your planning on. But a family of four is pretty likely to stay put for at least 10 years which should be long enough to iron out any short term fluctuations in the market. I'm not overly worried by the slight dip in valuation since I bought my last house because a) I have somewhere for my family to live that is secure and b) whenever we do eventually sell the capital will cover the next house.