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If you're ever in a position to buy a house, there's something you need to keep in mind also that can't be captured in a calculation: A house isn't just a money sink; it's your home. It's difficult for a rental to ever be a home in the same way a place you own is. Making money is cool and all, but don't view your house as an investment in the same way you would stocks and bonds. It's where you live, and there's an intangible value in owning your own little piece of the universe.