If you're using the house as your primary residence you have to figure out what you'd be paying comparably in rent. Real estate isn't a speculative, innately worthless asset like Bitcoin, you are receiving value simply by using it
You (generally speaking) need to have a house. If you'd be paying $1000/month in rent, that's money that needs to be factored into the equation. Notwithstanding the fact that houses may very well depreciate, if you did not have that asset you would still be expending capital
If you're using the house as your primary residence you have to figure out what you'd be paying comparably in rent. Real estate isn't a speculative, innately worthless asset like Bitcoin, you are receiving value simply by using it
You (generally speaking) need to have a house. If you'd be paying $1000/month in rent, that's money that needs to be factored into the equation. Notwithstanding the fact that houses may very well depreciate, if you did not have that asset you would still be expending capital