I'm trying to figure out what your point is and if you disagree with me about anything. Originally I thought you were saying all the rent money you pay is free

I'm trying to figure out what your point is and if you disagree with me about anything. Originally I thought you were saying all the rent money you pay is free money for your landlord. The point of my comment was, no it's not. The amount you should expect to make on owning an apartment for doing nothing is very close to zero. If 3.5% sounds like a large amount, (I'm not clear if you think so or if you think that's a wrong figure or what) that's before taxes, before inflation, and subject to property value going up or down. I kind of take for granted that the social purpose of financial markets is to reduce economic profits towards zero to the greatest possible extent. There is no question that it's generally a bad thing for people to be paid for doing nothing. With interest rates as they are, it seems like we have the closest approach to zero profits in the entire history of the universe, at least in the developed world. How much more can you ask for?