Solid analysis—but it assumes a fixed mortgage for 30 years.
Historically, there’s an 80–90% chance within 7 years to refinance and drop your rate ~1%+. That meaningfully changes the math.
It also assumes perfect investing discipline at 10% returns for decades—which almost nobody actually does.
So yes—on paper, renter wins.
In the real world, with rate cycles + human behavior, it’s a lot closer—and often flips.
Full disclosure: I’m a mortgage guy, so maybe a little rose-colored. But execution > theory every time.
Great work on this, Brad. This is genuinely inspiring—you’re helping create a generation of strategic wealth builders from day one.
My kids are 5, 2, and 1, and it’s amazing how quickly they latch onto this stuff. We’ve already started them with 529s, and now being able to tell them they’ll each have their own investment accounts too—it just clicks. It creates excitement, ownership, and a real connection to how money grows.
I would’ve given anything to have this as a kid. I remember reading about the stock market at 10, trying to wrap my head around it, and being completely fascinated. Starting that journey at birth is a game changer.
This has the potential to be a true catalyst for a generation that thinks differently about saving, investing, and long-term wealth. 👏
Hard disagree. This week’s data:
→ Feb sales beat expectations (4.09M vs 3.89M forecast)
→ Affordability Index highest since March 2022 — 8 months straight
→ First-time buyers surged to 34% of sales
→ Purchase apps up 18% YoY
→ Pending sales at multi-year highs
This isn’t a buyer strike. It’s a seller lock-in problem. Millions holding 3% mortgages won’t list.
The closed-sale data you’re reading is a 90-day rearview mirror. The windshield looks different.
Legit. I honestly thought all the chatter about the “Claude revolution” was just targeted spam hitting my feed. Then I tried it. One day later, it genuinely feels like I’ve hacked life.
What’s wild is how quickly your mind expands once you start thinking about the possibilities. Work. Finances. Parenting. Everyday decisions. The leverage is everywhere.
And the crazy part? I feel like we’re only scratching the surface.
@KobeissiLetter Why condos are getting hit vs SFRs:
✅ More project scrutiny + inspection/repair issues = more “non-warrantable” outcomes
✅ Extra condo LLPAs + lender overlays = higher rates/cost
Same buyer, same income… totally different pricing.