


Stephanie Stanton
6K posts

@Newzysteph
Creator Journalist | Digital Producer | National News Correspondent | TV Host Anchor | High-Impact Content for Media & Brands Inform✨Inspire✨Entertain














How to know if you're following God's will?






I ran the numbers on renting and investing the difference vs. buying a home... The results are shocking. The setup: - Median U.S. home sale price: $398,000 (NAR, 2026) - Average U.S. rent: $2,000/mo (Zillow, 2026) - Mortgage rate: 6.51% (30yr fixed, 10% down) All in monthly cost of owning that home: - P&I: $2,266 - Property tax: $332 - Insurance: $215 - Maintenance: $332 - PMI: $149 - Total: $3,294/mo Renting cost: - Rent: $2,000 - Renters insurance: $14 - Total: $2,014/mo The renter saves $1,280/mo. Plus the $51,740 in down payment and closing costs never leaves their pocket. All of it goes into $VOO. Using the long term S&P 500 avg return of 10% and home appreciation of 3.4%/yr (the avg since 1891): After 10 years: - Renter portfolio: $334K - Home equity (net of selling costs): $219K - Renter wins by $115K After 20 years: - Renter portfolio: $927K - Home equity: $531K - Renter wins by $397K After 30 years: - Renter portfolio: $2.41M - Home equity: $1.02M - Renter wins by $1.39M Even if you give the home 5% annual appreciation, the renter still wins at every single checkpoint. At $VOO's actual historical return of 13.99%, the renter's portfolio hits $6.38M after 30 years. The home equity is still $1.02M. The part nobody talks about: after 30 years your rent is $5,614/mo. Sounds scary. But your portfolio is generating $20K+/mo at a 10% return. You could pay that rent 3x over and never touch the principal. A home is a place to live. $VOO and the stock market is a wealth building machine. Not financial advice. There are lots of variables I may be missing. Run your own numbers.


The last one is the very best

I am fully convinced that 2019 was the last normal year we ever had. Ever since then, it feels like everything’s broken. Everyone is constantly anxious, time moves too fast, and nothing actually feels real anymore. The world as we knew it is just gone
