Are you torn between the idea of renting and buying a home? It's a common dilemma faced by many. Both options come with their own set of advantages and disadvantages. In this article, we'll explore the pros and cons of each to help you make an informed decision. Let's dive into the world of renting versus buying and discover what's best for your wallet.
Overview of Renting vs. Buying
When it comes to finding a place to live, one of the biggest decisions we have to make is whether to rent or buy a home. It's a question that has been debated for decades, with proponents on both sides passionately defending their choice. So, what's the best option for your wallet? Let's explore the pros and cons of renting versus buying.
Renting: The Freedom of Flexibility
Renting offers a level of flexibility that buying simply can't match. As a renter, you have the freedom to move to a new place whenever you want, without having to worry about selling a property or dealing with the complexities of the real estate market. This can be especially advantageous if you frequently change jobs or if you're unsure about where you want to settle down.
According to David Weliver, the founder of Money Under 30, "Renting allows you to try out different neighborhoods and living arrangements without the long-term commitment that comes with buying. It's a great option for those who value flexibility and freedom."
However, it's important to note that renting does come with its downsides as well.
Renting: The Cons of Not Owning
While renting can provide flexibility, it also means that you're essentially paying someone else's mortgage. You don't build equity, and your monthly rent payments are not working towards ownership. As a renter, you may also face rent increases, restrictions on modifications, and the possibility of having to move if your landlord decides to sell the property.
As the famous personal finance author Suze Orman once said, "Renting is like paying someone else's mortgage, but buying a home is like paying your own." 1
Buying: The Power of Ownership
Buying a home offers a sense of stability and the opportunity to build wealth over time. When you purchase a property, you're investing in an asset that has the potential to appreciate in value. As you pay off your mortgage, you build equity, which can provide financial security and serve as a valuable asset for future endeavors.
Dave Ramsey, a renowned financial expert, emphasizes the benefits of homeownership, stating, "Buying a home is the most significant investment you will ever make. It not only provides you with a place to live but also serves as a long-term wealth-building strategy." 2
However, buying a home is not without its drawbacks.
Buying: The Cost of Ownership
Owning a home comes with a range of expenses that renters don't have to worry about. As a homeowner, you'll have to cover mortgage payments, property taxes, homeowner's insurance, and ongoing maintenance and repairs. These costs can add up quickly and require careful budgeting and planning.
It's important to remember the words of Robert Kiyosaki, the author of Rich Dad Poor Dad, who said, "Most people work for money. But the rich have money work for them." 3 Owning a home requires financial responsibility and a long-term commitment.
In conclusion, the decision between renting and buying ultimately depends on your personal circumstances and financial goals. Renting offers flexibility and freedom, while buying provides the potential for long-term wealth-building. Consider your priorities, financial situation, and future plans before making a decision that's best for your wallet.
The Upside of Renting
Renting a home has become increasingly popular in recent years, and for good reason. While there are certainly benefits to buying a home, there are also many advantages to renting that should not be overlooked. So, what exactly are the upsides of renting?
Flexibility and Freedom
One of the biggest advantages of renting is the flexibility it offers. Renting allows you to have more freedom in terms of where you live and how long you stay. Whether you're still figuring out your career path or you simply enjoy experiencing new places, renting provides the flexibility to move without the hassle and financial commitment of selling a property. As Albert Einstein once said, "The only source of knowledge is experience." And renting allows you to gain valuable life experiences by living in different neighborhoods or even cities, helping you make better-informed decisions when the time comes to settle down.
Lower Maintenance and Repair Costs
Owning a home comes with a myriad of maintenance and repair responsibilities. From fixing leaky pipes to replacing a faulty roof, homeownership can be a costly and time-consuming endeavor. However, as a renter, these burdens are typically shouldered by the landlord or property management company. Therefore, you can save both time and money by not being responsible for these maintenance and repair costs. As bestselling author Louis Sabin once wrote, "The great advantage of renting is that you can keep the maintenance costs low and have more financial freedom."
Access to Amenities
Another definite upside of renting is access to amenities that may be financially out of reach for many homebuyers. Many rental properties offer amenities such as swimming pools, gyms, and even on-site laundry facilities. These extras can enhance your quality of life by providing convenience and entertainment, without requiring you to foot the bill for their installation or ongoing maintenance.
Renting can also provide various psychological benefits. For instance, if you're not ready to commit to a long-term mortgage, renting can alleviate the stress and anxiety that may come with such a significant financial obligation. It also allows you the opportunity to test your living situation, ensuring that you feel comfortable and happy before making a long-term commitment. As the famous psychologist Sigmund Freud once said, "One day, in retrospect, the years of struggle will strike you as the most beautiful." And by renting, you can take the time to find the perfect home that truly feels like the most beautiful place for you.
In conclusion, renting a home comes with its fair share of advantages. From the flexibility and freedom to the lower maintenance and repair costs, renting can be a practical and appealing option for many individuals. So, before automatically assuming that buying is the best choice, take the time to consider the upside of renting and its potential positive impact on your wallet.
The Downside of Renting
Renting certainly has its advantages, but it's important to consider the downsides as well. While renting may seem like a convenient and flexible option, it also comes with some drawbacks that shouldn't be overlooked.
1. No Equity
One of the biggest downsides of renting is that you do not build any equity. Unlike homeowners, who gradually build wealth as they pay off their mortgage, renters are essentially paying for someone else's investment. As the saying goes, "when you rent, you're pouring money down the drain".
2. Lack of Control
As a renter, you have limited control over the property you are living in. You may not be able to make any major changes or renovations without obtaining permission from the landlord. This can be frustrating for individuals who have a keen interest in personalizing their living space.
3. Rent Increases
Another downside of renting is the possibility of rent increases over time. Landlords have the right to increase the rent at the end of each lease term. These increases can vary depending on various factors such as changes in the housing market, inflation, or increased property taxes. This lack of predictability can make it difficult to budget for the long term.
4. Limited Stability
Renting provides a level of flexibility, but it also means that you may need to move frequently. Whether it's due to the landlord selling the property, increasing the rent beyond what you can afford, or simply deciding not to renew your lease, you are at the mercy of someone else's decisions. This lack of stability can disrupt your life, especially if you have to move unexpectedly6 .
5. No Tax Benefits
Homeowners enjoy certain tax benefits that renters do not have access to. Mortgage interest and property tax payments may be tax-deductible, reducing your overall tax liability. On the other hand, as a renter, you do not receive any tax benefits related to housing expenses. This can have a significant impact on your financial situation7 .
In conclusion, while renting offers flexibility and convenience, it also comes with significant downsides. Renters do not build equity, lack control over their living space, face potential rent increases, experience limited stability, and miss out on tax benefits. It is important to carefully consider these factors before making a decision to rent or buy a home.
The Positive Aspects of Buying
When it comes to owning a home, there are several advantages that can make a big difference in the long run. While renting does offer flexibility and freedom, buying a home brings stability and financial benefits that are hard to ignore.
1. Building Equity
One of the most significant advantages of buying a home is the opportunity to build equity. Equity is the difference between the market value of your home and the outstanding balance on your mortgage. As you make your monthly mortgage payments and your property appreciates in value, you are essentially investing in an asset that belongs to you.
2. Stability and Security
Owning a home provides stability and security for you and your family. You have the freedom to customize your home to suit your needs and create a space that truly feels like your own. There are no worries about rent increases or having to move because the landlord decides to sell. As the saying goes, "A man's home is his castle," and owning a home gives you that sense of ownership and control.
3. Potential for Tax Benefits
Homeownership also offers potential tax benefits that can help save you money. In many countries, homeowners can deduct mortgage interest and property taxes from their annual tax returns. These deductions can significantly reduce your tax burden and put more money back into your pocket.
4. Investment Opportunities
Buying a home can also be seen as an investment opportunity. Real estate has historically been a reliable investment, with properties often appreciating in value over time. As the renowned investor Robert Kiyosaki once said, "Real estate investing, even on a very small scale, remains a tried and true means of building an individual's cash flow and wealth". By purchasing a home, you have the chance to build wealth through property appreciation.
5. Sense of Pride and Belonging
Finally, owning a home gives you a sense of pride and belonging. It's a place that is truly yours, a place where memories are made, and a place where you can put down roots. Homeownership has a way of creating a deeper connection to a community and fostering a sense of pride in homeownership.
In conclusion, while renting can offer short-term flexibility, buying a home has numerous advantages. From building equity and stability to potential tax benefits and investment opportunities, owning a home can provide financial security and a sense of pride. As the famous entrepreneur Tony Robbins once said, "The biggest financial pitfall is renting, because it not only doesn't give you anything; it takes your money and gives you nothing in return".
The Drawbacks of Buying
When it comes to purchasing a home, there are definitely some drawbacks that potential buyers should consider. While owning a home may be a dream for many, it is important to be aware of the downsides that can come with this significant financial commitment.
Higher Up-Front Costs
One of the major drawbacks of buying a home is the higher up-front costs involved. Unlike renting, where tenants usually only need to pay a security deposit and the first month's rent, buying a home requires a substantial amount of money upfront. This includes the down payment, closing costs, and other fees associated with the purchase. These initial costs can be overwhelming and potentially put a strain on your finances, especially if you are not adequately prepared.
Responsibility for Maintenance and Repairs
Owning a home also means taking on the responsibility of maintenance and repairs. Unlike renting, where landlords are typically responsible for fixing any issues that arise, homeowners must handle any repairs or upkeep themselves. This can be both time-consuming and costly, especially for unforeseen major repairs such as a leaking roof or a malfunctioning HVAC system.
Limited Flexibility and Mobility
Another drawback of buying a home is the limited flexibility and mobility it can bring. When you own a home, it becomes more challenging to relocate quickly if a better job opportunity arises or if you desire a change of scenery. Selling a home can be a lengthy and complex process that requires a lot of time, effort, and potentially additional expenses such as real estate agent commissions.
Fluctuating Real Estate Market
The real estate market is known for its continuous fluctuations, which can impact the value of your investment. While there is potential for property value appreciation, there is also a risk of depreciation. Economic conditions, changes in neighborhood demographics, and other external factors can all contribute to the fluctuation in property value. This uncertainty can make it difficult to accurately predict the future worth of your investment.
While owning a home is often seen as a symbol of financial stability and success, it is essential to consider the drawbacks that come along with it. From the higher up-front costs to the maintenance responsibilities and limited flexibility, buying a home is not without its challenges. It is important to fully evaluate your financial situation and long-term goals before making the decision to buy a home.
As Robert Kiyosaki, the author of "Rich Dad Poor Dad," once said:
"Real estate investing, even on a very small scale, remains a tried and true means of building an individual's cash flow and wealth."
That being said, it's crucial to approach the decision to buy a home with a realistic understanding of the potential drawbacks.
Financial Implications: Renting
Renting a home can have various financial implications, both positive and negative. Let's take a closer look at some of the key aspects to consider.
1. Lower upfront costs
One of the significant advantages of renting is the lower upfront costs compared to buying a home. When renting, you typically need to pay a security deposit and possibly the first month's rent. On the other hand, buying a home requires a down payment, closing costs, and other expenses, which can be quite substantial. For individuals seeking a more affordable housing option, renting can be a financially feasible choice.
2. Fixed monthly expenses
Renting also offers the advantage of fixed monthly expenses. With a set rent amount, you know exactly how much you need to budget for housing each month. This stability can be helpful in managing your overall finances and avoiding unexpected surprises.
3. Limited responsibility for maintenance and repairs
When you rent a home, you are typically not responsible for major repairs or maintenance. The landlord or property management company takes on these responsibilities. This can save you significant costs and the hassle of dealing with maintenance issues.
4. Flexibility to relocate
Renting provides the flexibility to relocate more easily compared to owning a home. If your job requires you to move frequently or you enjoy exploring different neighborhoods, renting allows you to do so without the burden of selling a property and dealing with the associated costs.
However, there are some financial downsides to renting that you should be aware of as well.
1. No potential for equity building
Renting does not offer the opportunity to build equity in a property. Unlike homeowners who accumulate wealth through home appreciation and mortgage payments, renters do not benefit from this potential long-term financial gain. As author Dave Ramsey once said, "Renting is like paying someone else's mortgage" .
2. Rent increases
While renting provides stability with fixed monthly expenses, it's important to note that landlords can increase rent prices periodically. These increases can impact your budget and potentially make renting less affordable over time.
3. No tax benefits
Homeowners can take advantage of certain tax benefits, such as deducting mortgage interest and property taxes. Renters, on the other hand, do not have the opportunity to enjoy these financial incentives.
In conclusion, renting a home can be a financially wise choice for individuals who value flexibility, lower upfront costs, and limited responsibility for maintenance and repairs. However, it's important to consider the potential drawbacks, such as the inability to build equity and the possibility of rent increases. Ultimately, the decision between renting and buying should align with your financial goals and lifestyle priorities.
Financial Implications: Buying
When it comes to making a long-term financial decision, buying a home is a significant step that can have a lasting impact on your wallet. While there are undoubtedly various advantages to buying a home, it is crucial to consider the financial implications before taking the leap.
Building Equity and Wealth
One of the primary financial benefits of buying a home is the opportunity to build equity and accumulate wealth. Unlike renting, where you are essentially paying someone else's mortgage, buying a home allows you to invest in an asset that will appreciate over time. As the value of your home increases, so does your equity. This equity can be leveraged to access new financial opportunities, such as taking out a loan for major expenses or funding your retirement.
Stability of Monthly Payments
Another advantage of buying a home is the stability it provides in terms of monthly payments. Unlike renting, where landlords can increase rent at their discretion, having a fixed-rate mortgage ensures that your monthly payment remains consistent for the duration of your loan. This predictability allows for better budgeting and eliminates the uncertainty that comes with fluctuating rental prices.
Owning a home also comes with various tax benefits. One significant advantage is the ability to deduct mortgage interest and property taxes from your annual tax return. These deductions can result in significant savings and ultimately reduce the overall amount of taxes you owe. Additionally, if you decide to sell your home, you may be eligible for a capital gains tax exemption, further enhancing the financial benefits of homeownership.
Freedom of Customization
When you own a home, you have the freedom to customize and make improvements to your liking. While this can be seen as a non-financial aspect, it can also contribute to the overall financial implications of buying a home. Making strategic upgrades and renovations can significantly increase the value of your property, allowing you to potentially sell your home at a higher price in the future.
Emotional and Psychological Benefits
Finally, it's important to acknowledge the emotional and psychological benefits that come with owning a home. As famed real estate investor Andrew Carnegie once said, "Ninety percent of all millionaires become so through owning real estate". Owning a home not only provides a sense of stability and pride but can also serve as a physical representation of your accomplishments and aspirations. These emotions can have a positive impact on your overall well-being, indirectly affecting your financial state.
In conclusion, buying a home presents several financial implications that can positively impact your long-term financial health. From building equity to stability in monthly payments and tax benefits, homeownership can offer a sense of stability and wealth accumulation. However, it is crucial to carefully analyze your financial situation and consider your long-term goals before making the decision to buy a home.
Calculating Costs: Renting vs. Buying
When it comes to deciding whether to rent or buy a home, one of the most important factors to consider is the financial aspect. After all, you want to make sure you're making a decision that aligns with your current and future financial goals.
Let's start by examining the costs associated with renting a home. One of the advantages of renting is that your upfront costs are generally lower compared to buying a home. Instead of a down payment and closing costs, you typically only need to pay a security deposit and the first month's rent. This can be a relief for those who don't have a lot of savings or are not ready to commit to a long-term investment.
However, it's crucial to note that renting can sometimes feel like a never-ending expense. As a renter, you are subject to yearly rent increases, which can make it difficult to plan your budget accurately. Additionally, you don't have the opportunity to build equity in a property, which is one of the main benefits of homeownership.
Now, let's shift our focus to buying a home. When you decide to purchase a property, you'll need to consider several costs upfront. These include the down payment, closing costs, home inspections, and appraisal fees. These expenses can add up, and it's important to have enough savings to cover them.
However, the advantage of buying a home is that it can be seen as a long-term investment. As you make mortgage payments, you gradually build equity in the property. This can be a valuable asset, especially as home values typically appreciate over time. As renowned real estate investor Andrew Carnegie once said, "Ninety percent of all millionaires become so through owning real estate".
Another aspect to consider when comparing renting and buying is the cost of maintenance and repairs. As a homeowner, you're responsible for these expenses, whereas as a renter, you can rely on the landlord to take care of them. It's important to budget for ongoing maintenance costs when calculating the overall financial implications of buying a home.
The Bottom Line
When calculating the costs of renting vs. buying, it's essential to consider your personal financial situation and long-term goals. While renting may offer lower upfront costs, owning a home provides the opportunity to build equity and potentially benefit from property appreciation over time.
As financial expert Dave Ramsey advises, "The math in buying versus renting is really simple. If at any time over the course of your stay, the rent is lower than the mortgage and the upkeep, you're better off buying". However, it's crucial to ensure you're financially ready to take on the responsibilities of homeownership before making the leap.
Ultimately, the decision between renting and buying is a personal one that should be based on your unique circumstances and goals. By carefully evaluating the financial implications and considering your long-term prospects, you can make a choice that is best for your wallet.
Future Financial Prospects: Renting vs. Buying
Deciding between renting and buying a home is a major financial decision that can greatly impact your future financial prospects. It's essential to carefully consider the long-term implications of each option before making a commitment. In this section, we will explore how renting and buying can impact your financial future.
Renting: Flexibility and Uncertainty
While renting offers flexibility and freedom, it is important to note that it does not provide the same long-term financial benefits as buying. One major drawback of renting is the uncertainty of future rent increases, which can put a strain on your budget. As economist and author Thomas Sowell once wisely said, "Rent control is the most effective technique for destroying a city - except for bombing."
Unlike homeowners who can build equity over time, renting means paying someone else's mortgage and not building any wealth for yourself. Renting may seem like an easier short-term solution, particularly for individuals who are not ready to commit to a specific location or who have uncertain job prospects. However, in the long run, renting can limit your ability to accumulate wealth and achieve financial stability.
Buying: Building Equity and Stability
On the other hand, buying a home can be a valuable investment that offers several financial benefits. One of the most significant advantages of owning a home is the opportunity to build equity. As you make monthly mortgage payments, a portion goes towards paying down the principal loan amount, increasing your ownership stake. This means that over time, you are building wealth and assets for yourself.
Moreover, owning a home provides stability and allows you to establish roots in a community. Homeownership provides a sense of pride and belonging, fostering a sense of stability for you and your family. As Nobel laureate Robert J. Shiller famously stated, "If you build or buy a house as if it will last forever, you create a way to achieve true financial security and leave a legacy for future generations."
The Power of Appreciation
Another advantage of buying a home is the potential for property value appreciation. Over time, real estate tends to increase in value, allowing homeowners to benefit from the appreciation. This can be a significant source of wealth and financial security. According to personal finance guru Dave Ramsey, "Real estate investing is the closest thing the average person can get to striking it rich."
However, it is crucial to remember that the real estate market is subject to fluctuations and there is no guarantee of property value appreciation. It's essential to be mindful of market conditions and make informed decisions based on thorough research and analysis.
Balancing Short-term Flexibility and Long-term Security
Ultimately, the decision of whether to rent or buy depends on your specific circumstances and financial goals. Renting can offer short-term flexibility, but it comes with the uncertainty of rising rents and the inability to build equity. On the other hand, buying a home provides the opportunity to build wealth through equity appreciation and establish long-term stability.
As financial expert Suze Orman said, "Owning a home is a keystone of wealth - both financial affluence and emotional security." While renting may seem like an appealing option in the short term, it is crucial to consider the long-term financial implications and potential benefits of homeownership.
Decision-making: What's Best for Your Wallet?
When it comes to making decisions about renting or buying a home, the ultimate question is always: What's best for your wallet? While the decision may seem daunting, it's important to take a step back and evaluate the financial implications of each option before making a commitment.
Renting: A Safe Choice with Flexibility
One of the biggest advantages of renting is the flexibility it offers. As a renter, you have the freedom to move around more easily, whether it's due to a job change, a desire for a change of scenery, or simply the need for a larger or smaller space. Renting also eliminates the responsibility of maintenance and repairs, which can be costly and time-consuming.
Another benefit is that renting often requires a lower upfront cost compared to buying a property. You don't have to worry about saving up for a down payment, closing costs, or property taxes. This can make renting a more feasible option for those who are just starting out or have limited savings.
However, renting is not without its downsides. One of the biggest drawbacks is that you have no equity in the property. When you rent, you are essentially paying someone else's mortgage. This means that you won't be building any long-term wealth through property ownership.
Buying: Building Equity and Stability
Buying a home is often seen as a milestone and a symbol of financial success. One of the key benefits of buying is that you are building equity with every mortgage payment. As you pay down your mortgage, you are essentially investing in your own property and building wealth over time. This can be especially beneficial in the long run, as real estate tends to appreciate in value.
Owning a home also provides stability and a sense of belonging. When you own a property, you have more control over your living environment and can customize it to your liking. You don't have to worry about landlord restrictions or rent increases, giving you a sense of security and stability in your living situation.
However, buying a home comes with its own set of drawbacks. The upfront costs of purchasing a property can be significant, including the down payment, closing costs, and ongoing maintenance expenses. It's important to factor in these costs when considering the affordability of homeownership.
Making the Right Decision for Your Wallet
When it comes to making the decision between renting and buying, there is no one-size-fits-all answer. It ultimately depends on your individual circumstances, financial goals, and lifestyle preferences.
If you value flexibility, don't want to be tied down to one location, or simply don't have the financial means to commit to buying a home, renting may be the better option for you. Renting allows you to allocate your money towards other priorities, such as saving for the future or investing in other assets.
On the other hand, if you are looking to put down roots, build equity, and have more control over your living environment, buying a home may be the right choice for you. It's a long-term financial commitment that requires careful consideration and planning.
In the end, it's important to remember that the decision between renting and buying is not just about money. As Dave Ramsey once said, "Personal finance is 80% behavior and 20% head knowledge." It's about finding a balance between your financial goals and what truly makes you happy and secure in your living situation.
So, take the time to evaluate your personal and financial circumstances, weigh the pros and cons, and make a decision that aligns with your long-term financial well-being. Remember, there is no right or wrong answer - what matters most is what's best for your wallet and your peace of mind.
On the other hand, buying a home can provide a sense of stability and security, as well as the potential for long-term financial gains. As property values appreciate over time, homeowners can build equity and have the option to sell their property for a profit. As Kris Frieswick, a contributor to Money magazine, explains, "Buying a home allows you to build wealth for yourself, rather than for a landlord." Nonetheless, it is essential to consider the costs associated with homeownership, including mortgage payments, property taxes, and maintenance expenses.
Ultimately, evaluating the pros and cons of renting vs. buying is crucial in making an informed decision that aligns with your financial situation and goals. While renting offers flexibility and lower upfront costs, buying a home can provide stability and potential financial gains in the long run. As Eric Tyson, the author of "Personal Finance for Dummies," aptly summarizes, "It's essential to take an unbiased, numbers-based approach to evaluate the relative costs and benefits of renting versus buying based on your finances and personal situation." Ultimately, the choice between renting and buying should be made with careful consideration and thorough research.
2Dave Ramsey, The Total Money Makeover (2003)
3Robert T. Kiyosaki, Rich Dad Poor Dad (1997)
4Louis Sabin, Renting 101 (2010)
5Sigmund Freud, The Interpretation of Dreams (1899)
6Diana Olick, Rent vs. Buy: Why Buying a Home Generally Wins, CNBC (2015)
7Eric Tyson and Ray Brown, Home Buying For Dummies (2019)
8Robert Kiyosaki, Rich Dad Poor Dad (1997)
9Melissa Batai, The Pros and Cons of Renting, Investopedia (2020)
10Killian Hennessy, Renting Vs. Buying: The Pros And Cons, Forbes (2020)
11Financial Consumer Agency of Canada, Renting vs. Owning a Home (2019)
12Eric Tyson, Mortgages For Dummies (2017)
13Eric S. Belsky, Christopher E. Herbert, and Jennifer H. Molinsky, "The Dream Lives On: The Future of Homeownership in America" (2013)
14Amy Fontinelle and Jeremy Silverman, "Home Buying for Dummies" (2016)
15Robert T. Kiyosaki, "Rich Dad Poor Dad" (1997)
16Tony Robbins, "MONEY Master the Game: 7 Simple Steps to Financial Freedom" (2014)
17David Bach, "The Automatic Millionaire Homeowner: A Powerful Plan to Finish Rich in Real Estate" (2006).
18Eric Tyson and Ray Brown, "Home Buying For Dummies" (2016).
19Gary Keller and Dave Jenks, "The Millionaire Real Estate Investor" (2009).
20Andrew Winter, "No-Nonsense Guide to Buying and Selling Property" (2016).
21Robert Kiyosaki, "Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!" (1997).
22Eric Tyson and Ray Brown, Home Buying For Dummies (2019)
23Peter C. Horan, Mortgages For Dummies (2016)
24Eric Tyson and Ray Brown, Taxes For Dummies (2018)
25Gary W. Eldred, The 106 Common Mistakes Homebuyers Make (2020)
26Andrew Carnegie, The Gospel of Wealth (1889)
27David Bach, "The Automatic Millionaire Homeowner: A Powerful Plan to Finish Rich in Real Estate"
28Suze Orman, "The Money Book for the Young, Fabulous & Broke"
29Eric Tyson, "Home Buying for Dummies"
30Robert G. Allen, "Nothing Down: How to Buy Real Estate With Little or No Money Down"
31Andrew Carnegie, "The Empire of Business"
32Robert T. Kiyosaki, "Rich Dad Poor Dad"
33Dave Ramsey, "Financial Peace"
34Eric Tyson, Personal Finance for Dummies (2019)
35Robert Kiyosaki, Rich Dad Poor Dad (1997)
36Dave Ramsey, The Total Money Makeover (2003)