> I've seen many videos by finance youtubers going over the classic "buy a home vs invest the savings" and the dumb mistake that all of them make is assuming th

> I've seen many videos by finance youtubers going over the classic "buy a home vs invest the savings" and the dumb mistake that all of them make is assuming that the rent price will stay the same across the entire time frame considered. > It's just not happening. Buy versus rent is pretty complicated, and specific to each market and timeframe. You are right that rents will increase over time, but so will the value of invested assets. While I cant speak to your youtube videos, it is not crazy to assume that the value of invested assets will increase at least as fast as rents. Also, even if your mortgage payment is flat, that doesnt means housing expenses are flat. Taxes, insurance, and maintenance should be expected to regularly increase on property you own.