November 04, 2025

AAR22 - Renting vs. Owning: No Easy Answer

48 minutes

You can find Evan’s home buying calculator at einvestingforbeginners.com/home.

In this episode, Evan Raidt and Dave Ahern tackle the classic debate of renting vs. owning a home.

They break down the numbers behind home affordability, share real-life experiences, and discuss how your personal goals and financial situation should drive your decision—not outdated advice or pressure from others.

From the dramatic shift in home price-to-income ratios to the realities of being “house poor,” Evan and Dave offer honest insights, practical tips, and a few laughs to help you make the best choice for your life.

Topics Covered:

How home affordability has changed since the 1980s

The real monthly costs of owning a home

What it means to be “house poor”

Pros and cons of renting vs. owning

The impact of lifestyle and flexibility on your decision

Common misconceptions about buying a home

Personal stories: why Evan bought and why Dave rents

Using calculators and tools to make smart decisions

Timestamps:

00:00 Introduction & The Home Price-to-Income Ratio

02:00 Renting vs. Owning: The Real-Life Experience

06:00 Why Most People Don’t Plan for Homeownership

09:30 Planning Ahead vs. Waiting for Opportunity

12:45 How Home Affordability Has Shifted

16:00 The Modern Reality: Dual Incomes & Rising Costs

19:30 Breaking Down the True Cost of Buying a Home

25:00 What Does “House Poor” Really Mean?

28:00 Comparing Monthly Costs: Renting vs. Owning

31:00 Pros and Cons: Maintenance, Flexibility, and Lifestyle

35:00 Personal Stories: Decision Factors for Evan & Dave

39:00 Misconceptions and Outdated Advice

41:30 Final Thoughts, Tools, and How to Reach Out

Resources Mentioned:

Home Buying Calculator⁠⁠

⁠⁠Monthly Budget Tool⁠⁠

Questions or feedback? Email Evan at [email protected] or comment below—your stories and questions help us make the show better!

Remember, financial freedom is built one smart move at a time. Keep it simple, keep it steady, and at any rate—we’ll see you next time.

Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening.

Today’s show is sponsored by:

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This message is sponsored by Greenlight. Don’t wait to teach your kids real-world money skills, start your risk-free Greenlight trial today at ⁠⁠⁠greenlight.com/investing⁠⁠⁠.

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Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

If you’d like to discuss sponsorship or advertising opportunities, shoot us an email at ⁠[email protected]⁠.

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