
MattyMcFly⚡
14.9K posts

MattyMcFly⚡
@gamerguy51
Cybertruck Guy, Bitcoiner, AI Enthusiasst, Electric Car and Tesla Fan. Mostly retired, family man, husband and serial entrepreneur.







🚨🇺🇸🇮🇷 Hegseth: "We're not going anywhere. We're going to make sure Iran complies with this ceasefire and ultimately comes to the table and makes a deal."

Boiled Chicken, White Rice, Plain Greek Yogurt. What’s missing here? 🍗 🍚





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.


Fun fact: Most EV experts on 𝕏 never owned an EV

































