#1 My home is a place to live.
pay cash.
Only real expense to worry about is property taxes.
I have a roof over my head, a pot to eat from, and a place to pee, regardless of what life throws at me.
From there I can invest. Win or lose.
People who think their house is an investment to get rich off of, are stupid. You only invest what you can afford to lose.
I made big money on flipping homes. Started with a 40K fixer, worked on it weekends and sold for 120K. Sold that and bought a nicer one for 147K. Sold it for 260K and bought one for 180K. Wife says, lets live in it. So we mortgaged it, put money away. She split with the$$$’s, I said good riddance, then the market crashed. I sold it for 127K in Obamas crash, and bought a MH on a lot cash. NEVER again. The worse stress of my life was watching my investments, and savings go with the wind. #1, never share banks with a spouse. #2, don’t listen to their financial advice. YES, I am single now for 12 years.