One thing that makes this difficult still is, what if there are two different markets you want to be in. Time in the market for stocks beats timing the market

One thing that makes this difficult still is, what if there are two different markets you want to be in. Time in the market for stocks beats timing the market for stocks. Time in the market for housing beats timing the market for housing. But let’s say you have $30k USD. Currently you have this money in stocks, and you are renting an apartment to live in. Time in the stock market should mean that in 15-20 years, those $30k USD you put in stocks today might grow to be worth a fair bit more. But at the same time, you are losing out on owning a house. Instead paying rent to someone else. And in this case it is not possible to know if it would be better to keep the money in stocks and keep renting, or go and get a loan so you can get some little place of your own with the $30k of yours + the $90k or so that a bank will lend you.