저자: PeterSchiff/DaveRamsey · 외국인
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Schiff: 많은 사람에게 임대가 더 낫다. 주택담보대출 이자 공제는 표준공제 때문에 실익이 적고, 유지보수·보험·세금 상승으로 주택은 돈구덩이가 될 수 있으며, 절약분을 주식에 투자하는 편이 낫다. Ramsey: 임대는 단기엔 괜찮지만 장기적으로 임대료 상승 때문에 지속 불가능하다. 고정금리 주택 대출로 주거비를 안정시키고 은퇴 전 상환을 목표로 해야 한다. 진행자는 두 견해를 비교하며 자신의 경험상 수학적으로는 임대+투자가 유리하지만 소유 욕구도 존중된다고 결론내림. 자산 가격 방향에 대한 직접 예측은 없음.
다듬은 글
should you buy a home with all of the built-in expenses that go along with it or should you simply rent your entire life in today's video we're going to listen to two Financial gurus who have entirely different opinions on the matter let's listen to what they both have to say and at the end I'll render my own verdict let's begin with Peter Schiff in this clip he's on the ice coffee Hour podcast and is asked by Grant Stefan who exactly should be buying a home who should buy a home today well I mean it depends on your circumstances and and where the home is located ated but for a lot of people and this been the case for a long time uh renting is a better option now another thing that the government has done too to push people into Home Ownership which has helped screw up the market is the tax consequences they the government gives you a tax write off if you buy a home you can deduct your mortgage interest but you can't deduct your rent if you rent a home I mean some sometimes there's a a renter's credit some local governments give that but there's much bigger government subsidies for buying a home rather than renting and so that's caused people who might otherwise have been better off renting to buy instead because they're taking into account the tax benefits but in the real economy they should be renting but in the economy created by government they end up buying but you know that distorts the market and it and it and it leads to a less optimal decision because it's all based based on on taxation a lot of people don't itemize their deductions now they take a standard deduction and so it doesn't matter that the mortgage interest is tax deductible they don't get the deduction you know depending on again your circumstances a lot of people are better off renting okay so here Peter Schiff is making a good point one of the perceived benefits of home ownership is the tax deductibility of your mortgage interest the problem is most people aren't even taking advantage of that tax deductible interest because they're taking the standard deduction so one of the huge perceived advantages of owning a home actually never comes into play let's keep listening a lot of people who own homes the only reason they're they're better off staying where they are is because their mortgage rate is so low their mortgage rate may be so low that if they sold their home and rented their rent would be higher than what their current mortgagees now they are stuck with maintenance Insurance taxes all these costs are going up so it's not like the cost of home ownership isn't Rising with inflation is making it even harder for people to buy a home today because not only do you have to pay these inflated prices and then borrow at you know 7 8% but you have to pay insurance costs that have basically doubled over the last few years you have to pay much higher maintenance costs you have to pay higher local property taxes I mean everything related to buying a home is a lot more expensive and of course if you don't buy a home if you rent rents have gone way up and there's no end in sight they're going to keep on Rising so this is an important point one of the perceived benefits of home ownership is that your mortgage payment stays level over your lifetime assuming you actually stick with the home for the full 30-year mortgage though most people don't but even if you did you have other expenses that are going up over the life of that mortgage and these are expenses the renter might not necessarily have to assume let's keep going well I think for a lot of people though that's their only means of saving is that when you house it's a for savings account for for people who are bad with money a house deet your savings it's a money pit houses are expensive you know how much money I spend on this house how much money I spend on my Connecticut house it's crazy the amount of money that a house costs you now people get bailed out because I think oh the house appreciates not always it's inflation really I mean that's that's that's doing it uh and all that's happening is your the land is keeping Pace but houses don't I mean even if somebody tells you oh here's this house that I sold for a million dollar and I bought it whatever 10 20 years ago for $500,000 if you think about all the money they put into that house over that period of time they may not have made any money you know a lot of the houses too that were bought back then if you don't redo the kitchens redo the bathroom put on a new roof you know your audio visual systems are all obsolete the wiring I mean a lot of stuff has to be brought up to date in order to sell it for the million dollars a lot of money was spent I mean a lot of these houses too if they weren't updated over the years they're considered a tear down what does that mean a tear down people say my house is tear down means a house that was once brand new and had a lot of value now has zero value it's going to be torn down the only thing that has value is the land itself the house is worthless so once again houses can be money pits you may think you're getting ahead through the home's appreciation but a lot of those gains can be offset by the cost of Maintenance or even upgrades or renovations when it comes time to sell the house let's keep going if you're so reckless and like the only way I'm going to save if I have a mortgage I have to pay down but you know you could take the money I used to tell people during the housing bubble days look just you know if you can rent for cheaper than rent and take all the money you save and invest it you know open up a brokerage account invest the money don't just spend it out don't just you know buy a fancier car or take more vacations with the money you save by renting invest that money right in in an actual investment so according to shiff you may be better off simply renting and then taking all the money you would have otherwise spent on home upkeep and improvements and investing that in the stock market and even though you wouldn't have a paid off house and retirement and may even be faced with a prospect of an increasing rent payment at that point you'll be so much further ahead for having invested the difference in the stock market along the way all right let's turn to Dave Ramsey in this clip a 30-year-old calls in and explains how easy things seem to be going by not owning a home and simply renting she's wondering if this is a good long-term plan every single year from 30 to 70 your rent's going to go up or your landlord's asleep at the wheel uh they will die and the next person will Jack it through the roof to make up the difference but the value of the rent goes up every single year from age 30 to age 70 your most expensive line item in your budget is housing so the most expensive line item in your budget is out of your control variable and increasing that is not scalable that's not sustainable long term again like Rachel said if you want to do it for four or five years I think you got a good gig go ahead and do it for four or five years but that let's not translate that to is it okay to rent forever it's okay but it's going to kill you because what you're paying in rent now is nothing compared to what it 40 years from now I think we can all agree with that and and so when you buy if you buy on a fixed rate 15E you now have a fixed payment for a property it doesn't have to have a lawn it can have it be a condo um you have a fixed rate and then when you get paid off you have a fixed rate which is zero other than your taxes and your property insurance right those are two things that will go up as well but they don't they're small much smaller percentage and they don't land they don't end up being the largest thing in your budget anymore usually so and I will say this too Jenny you know that it doesn't have to be a you know a single family home if you're if you are single you don't need a lot of room it could be a condo right but owning property that you eventually own full out is is what the key is that's the that's the goal I I don't want you to confuse the fact that you've got a really good situation right now and I endorse you staying there with a forever plan it's not a good forever plan it's a really good short-term plan though I would sit there and I wouldn't let your friends shame you into buying something and that's what's happening people are going you got to buy a house you got to buy a house you don't have to buy a house right now you got not got a bad deal but but you do need to stabilize the most expensive line item in your budget before it gets out of control and starts messing up your life I mean can you imagine being 70 years old and broke and your rent goes up every month every year all right so here Ramsey makes the case that while renting may be a good alternative in the short-term owning is much better over the Long Haul why two real reasons first your mortgage payment stays level over the Arc of your amortization schedule and you want to have your house paid off by the time you retire because that's the single largest payment you'll have in retirement why not eliminate it while you can okay now that we've heard both sides let me weigh in with my own thoughts on the subject being a homeowner myself I have to tell you that I've seen firsthand the absolute Money Pit that home ownership can be there's absolutely no doubt in my mind that I'd be light years ahead had I simply rented a home to this point in my life owning a home is way more expensive than you ever thought it could be and most of that extra expense comes from cost you would have never anticipated at the outset had I simply rented an invested the difference I'd be much wealthier than I am today and I have absolutely no motivation to pay off my home because I'm confident I can do way better by simply investing those prepayments into the stock market over time and while I will still potentially have a home payment in retirement I'd rather have a much higher balance in my stock market savings with which to pay that mortgage payment and retirement so the math far favors the renter in terms of wealth accumulated over time but at the end of the day it's not all about math sometimes people just want to live in something they own even if there's a huge cost that goes along with it and you know what I don't think there's anything wrong with that approach folks my upcoming book The Guru Gap how America's Financial gurus are leading you astray and how to get back on track is now available for pre-order on Amazon take the opportunity to order your copy today also in the next 10 years I'm looking to put 1 million Americans on the road to the 0% tax bracket if you would like some help implementing a balanced comprehensive approach to taxfree retirement that Shields you from the impact of higher taxes down the road head on over to dve mcn.com and click on the connect with an adviser button I'm happy to refer you to an adviser in the power zero Network that has been trained vetted and qualified personally by me if you're a financial professional and want to learn how to become a certified power zero adviser head over to power zero.com and opt into my free video series and if you have any comments or questions feel free to drop them into the comment section below I'll respond to every single one of them personally and don't forget to click like subscribe and the Bell so you never miss a video this is daveid mcnight I look forward to seeing you on the next video
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