Rent feels safer—but in 2025, skipping the full math could cost you more than you think. In this episode, David Sidoni breaks down the timeless rent vs. buy debate with a 2025 twist, delivering a deep-dive into the full financial picture first-time buyers need to make smart choices. While renting may seem cheaper at first glance, David walks listeners through the overlooked math that makes homeownership a long-term wealth builder—even when mortgage payments are higher than rent. Using real numbers and multiple market scenarios, he explains why simple online calculators don’t tell the full story. Whether you’re unsure about affording a home or think you’ve missed your chance, this episode gives you clarity with facts, not fear.

Quote:

“You’re comparing rent to a mortgage payment and making a huge decision based on just one of 10 to 20 variables—don’t cheat yourself with bad math.”

Highlights

• Why comparing rent to mortgage payments is dangerously incomplete
• How most people misinterpret mortgage calculators
• What really matters: long-term financial outcomes vs. short-term expenses
• A behind-the-scenes look at how homeownership builds wealth—even in “bad” markets
• 2025 case studies: renting vs. buying across five market cycles
• What sellers, banks, and influencers don’t tell you (but should)
• How to make your decision based on your future—not just today’s prices

Referenced Episodes

• Ep. 225 - Renting Versus Buying For 2024
• Ep. 322 - Am I Ready to Buy a Home? The 5 Questions You Must Ask
• Ep. 233 - Interview With Stephanie Who Had 200K In Student Loans, And STILL Bought A Home!
• Ep. 187 - Interview - Balancing Saving and Paying off debt to find IMMEDIATE PEACE
• Ep. 102 - First Time Home Buyer Terms And Definitions From A-Z – “F”

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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