I can't stop meeting people who time to time, try to convince me that renting is an absolute

我不能停止遇到的人誰時間，試圖說服我，租房是一個絕對的。

waste of money.

浪費錢。

It's like burning money.

這就像燒錢一樣。

You are paying someone else's mortgage.

你是在為別人的抵押貸款買單。

Why would you waste a fortune on rent when you can take a mortgage and end up with a

你為什麼要浪費一大筆錢在租金上，而你可以抵押貸款，並最終與一個。

house even if that means you have to wait 30 years.

房子，即使這意味著你要等30年。

To be honest, this is dumb logic, even if we assume that buying a house is cheaper in

說實話，這是個愚蠢的邏輯，即使我們假設買房便宜在。

the long run.

從長遠來看，。

When you rent, you are not throwing away money.

當你租房的時候，你不是在扔錢。

You are getting something in return.

你是有回報的。

When you get an Uber, you don't get the car.

當你得到一個Uber，你不得到車。

You don't get the driver, you are not getting the company either, you are just getting a

你沒有得到司機，也沒有得到公司，你只是得到了一個。

service.

服務。

The uber is going to take you from point A to point B, which is the whole purpose of

uber要把你從A點帶到B點，這是整個目的。

a car, so does when you rent a house.

車，租房子的時候也是如此。

The point of the house isn't to own it but to have a roof over your head, so when you

房子的意義不在於擁有它，而在於有一個屋簷，所以當你

rent, you are getting a place to stay.

租金，你是得到一個地方住。

But you always need a place to stay, that's why most people still assume that renting

但你總是需要一個住的地方，這就是為什麼大多數人仍然認為，租房

is a waste of money, especially when you have an option to buy a house for the exact same

是浪費錢，特別是當你有一個選擇買房子完全相同的

money.

錢。

And that's where the misconception starts.

這就是誤區的開始。

Most people do not compare all the cost that comes with buying a house and only take into

大多數人不會比較買房的所有費用，只考慮到

account the usual price tag and compare it directly to renting.

賬戶通常的價格標籤，並直接與租賃進行比較。

But in this video, you will find out how you can end up with millions of dollars if you

但在這段視頻中，你將會發現如何能最終獲得數百萬美元，如果你

rent instead of buy.

以租代買。

But before we do that, let's thank Skillshare for sponsoring this video.

但在這之前，讓我們感謝Skillshare對這個視頻的贊助。

One of the most common questions I get here on YouTube is, "How do you create such stunning

我在YouTube上收到的最常見的問題之一是，"你是如何創造如此令人驚歎的"。

animations?"

動畫？"

The answer is, I don't!

答案是，我沒有!

We have a brilliant team of graphic designers who use Adobe Softwares to create these brilliant

我們擁有一支優秀的平面設計團隊，他們使用Adobe軟件來創造這些輝煌。

animations.

動畫。

And if you want to learn to make similar animations or even better, you have to take this course

如果你想學習製作類似的動畫，甚至更好，你必須參加這個課程。

by Skillshare because it will teach you everything you need to start, and its taught by none

由Skillshare，因為它將教你一切你需要開始，其教無

other than Kurzgezat -the YouTube channel that makes the best animations on the entire

而不是Kurzgezat--YouTube上最棒的動畫頻道。

platform.

臺。

Skillshare is an online learning community for creatives, where millions come together

Skillshare是一個創意者的在線學習社區，數以百萬計的人聚集在這裡。

to take the next step in their creative journey.

以期在他們的創意旅程中邁出下一步。

Skillshare offers thousands of inspiring classes for creative and curious people on topics

技能共享提供了數以千計的鼓舞人心的主題創意和好奇的人的課程

including illustration, design, photography, video, freelancing, and more.

包括插畫、設計、攝影、視頻、自由職業等。

And all that is for less than dollars a month with an annual subscription.

而這些都是每月不到美元的年費。

But here is the juicy part, The first 1000 people who click the link in my description

但這裡是多汁的部分，前1000名點擊我描述中的鏈接的人。

will get a free trial of Skillshare premium.

將獲得技能共享高級版的免費試用。

By the way, you will be supporting the channel by signing out to Skillshare.

對了，你簽到技能共享，就是對頻道的支持。

And now, lets get back to the video.

現在，讓我們回到視頻上。

Just to be clear, We are not talking about buying a house for investment purposes because

需要說明的是，我們並不是說買房是為了投資，因為

that's a whole different story.

這是一個完全不同的故事。

Let's say your friend going to take his parent's advice and take a mortgage because his parents

比方說，你的朋友要聽從他父母的建議，去貸款，因為他的父母。

told him that renting is a waste of money, and you are going to rent.

告訴他，租房是浪費錢，你要去租房。

Let's find out how your net worths would look like 30 years later assuming everything else

讓我們來看看30年後你們的淨資產會是怎樣的，假設其他一切都不存在的話

stays the same.

保持不變。

A 300K dollar house can be rented for around 1800 dollars, but if you take a 30-year mortgage,

30萬的房子可以租到1800元左右，但如果你貸款30年。

even if we take pre-pandemic mortgage rates, it would be around 4.5 percent , so your total

即使我們把流行前的抵押貸款利率， 它將是4.5％左右，所以你的總。

monthly payment would equal to $1216.

月供相當於1216元。

That's principal plus interest.

那就是本金加利息。

If you base your decision solely on these two figures, a mortgage is clearly cheaper,

如果你僅僅根據這兩個數據來決定，房貸顯然更便宜。

and renting is undoubtedly a waste of money.

而租房無疑是浪費錢。

Unfortunately, that is not the whole story.

不幸的是，這並不是故事的全部。

Everything starts to change once you factor in other expenses.

一旦考慮到其他開支，一切都開始改變。

If you count in insurance and property taxes, that amount would equal around $1707.

如果算上保險和房產稅，這筆錢約等於1707元。

Even at this point, buying seems a better deal than renting, and I couldn't agree more.

即使在這一點上，買房似乎比租房更划算，我也非常同意。

But we have to be realistic and count in other expenses that come with owning a house.

但我們要實事求是，把擁有房子後的其他支出也算進去。

Maintaining a house is sometimes more expensive than the house's actual price, especially

維護房子有時比房子的實際價格還要貴，尤其是

if we are talking about 30 years.

如果我們談論的是30年，

The land under your feet might appreciate, but everything else starts losing value.

你腳下的土地可能會升值，但其他的一切都開始失去價值。

The kitchen might need to be replaced every 10, 15, or 20 years.

廚房可能每10年、15年、20年就需要更換一次。

Every piece of furniture has an expiration date; the couch can't last 30 years.

每件傢俱都有有效期，沙發不可能用30年。

You gotta change the roof every 10 or 15 years.

每隔10年或15年就得換一次屋頂。

The bathroom needs to be replaced every X number of years.

衛生間每隔X年需要更換一次。

If you ever owned a house, you know that maintaining a house is not cheap!

如果你曾經擁有過房子，你就會知道，保養房子並不便宜!

But When you rent, you don't have all of these expenses!

但是當你租房的時候，你就沒有這些費用了!

Usually, the cost of maintaining a house is between 1 to 5 percent of the price of the

通常情況下，維護房屋的費用占房價的1%至5%。

house annually.

房子每年。

Let's take an average of 2.5%.

我們以平均2.5%為例。

Our monthly maintenance cost would equal to $625.

我們每個月的維護費用相當於625元。

You are not necessarily going to pay $625 every month, but if we round it up over the

你不一定每個月都要付625元，但如果我們把它四捨五入，超過了625元。

course of 30 years, that's a realistic number, and in some cases, it could be even higher

30年，這是一個現實的數字，在某些情況下，它可能會更高。

than that.

比這。

So your total cost of ownership raises to $2332 a month while renting is $1800.

所以你的總擁有成本提高到每月2332元，而租房是1800元。

But even if you compare these numbers, buying still seems like a better deal.

但即使對比這些數據，買入還是顯得比較划算。

Yes you are slightly overpaying, but 30 years down the road, you will end up with a property

是的，你稍微多付了一點錢，但30年後，你最終會得到一個財產。

that would worth hundreds of thousands of dollars if not millions while your friend

價值幾十萬美元，如果不是百萬美元，而你的朋友

who was renting all this time will be left with nothing.

誰是租了所有的時間將離開什麼。

But let's do the math.

但我們來算算看。

Assuming your house appreciates by 3 percent a year, the future value of your property

假設你的房子每年升值3%，那麼你的房產未來的價值為

would equal to $728,179 30 years later.

30年後將相當於728179美元。

Assuming anything higher than that is too unrealistic, to say the least, since home

假設比這更高的話，至少可以說是太不現實了，因為自家的

prices can also go down.

價格也可以下降。

The only thing that is missing from this equation is the opportunity cost.

這個等式中唯一缺少的就是機會成本。

When taking a mortgage, you had to make a 20% downpayment which equals to 60K dollars.

辦理按揭貸款時，你必須支付20%的首付，相當於6萬元。

You could have spent that money to start a business, a corner shop, or anything else

你可以把錢花在創業上，開個街角店，或者其他什麼地方

that would generate income but in this hypothetical example, let's assume you would invest it

但在這個假設的例子中，讓我們假設你會將它投資於

in the stock market.

在股票市場上。

And since we are talking about a period of 30 years, it's fair to say that we can expect

既然我們談論的是30年的時間，那麼可以公平地說，我們可以期待的是

at least an 8 percent rate of return since the average rate of S&P500 over the long-run

至少8％的回報率，因為標準普爾500指數長期以來的平均速度。

has been 10 percent.

一直是10%。

Your monthly mortgage payment is $2332, but renting a similar house is $1800, so there

你的月供是2332元，但租一個類似的房子是1800元，所以有

is an opportunity cost of $532 every month.

是每個月532元的機會成本。

Lets assume you will invest that money as well.

假設你也會投資這些錢。

With the power of compounding, 60K with a monthly contribution of $532 at a rate of

在複利的力量下，6萬的月繳費額為532元，按照

8 percent over 30 years would equal $1,353,108.

8％，30年後等於1，353，108美元。

Your friend who has been renting all this time and investing the difference will end

你的朋友一直在租房，投資差價，最後會有

up with 1.3 million dollars while you with a house that would worth $728K.

與130萬美元，而你的房子，將價值72.8萬美元。

What do you think is better, 1.3M of liquid assets or a house worth 728K.

你覺得100萬的流動資產和價值72.8萬的房子哪個好。

When you look at it from this perspective, things start looking completely different.

當你從這個角度看，事情開始變得完全不同。

However, even these are not the most accurate number because we didn't take into account

然而，即使是這些也不是最準確的數字，因為我們沒有考慮到。

at least a 2 percent rent increase annually.

每年至少增加2%的租金；

But so does the cost of your maintenance would grow with inflation.

但你的維護成本也會隨著通貨膨脹而增長。

You can be frugal with your house and only spend 1% of the value of your house on maintenance.

你可以省吃儉用，只花房子價值的1%在維護上。

We also didn't into account the interest deduction you get with purchasing a house.

我們也沒有考慮到買房時的利息扣除。

Or you might need to renovate your house, but you might not have the means to do that,

或者你可能需要裝修你的房子，但你可能沒有辦法這樣做。

so you end up paying with a credit card, for example, and pay an astronomical interest

所以你最終用信用卡支付，例如，並支付天文數字的利息。

on top of it.

在它上面。

But the point is, buying a house isn't always the best investment and renting isn't always

但問題是，買房不一定是最好的投資，租房也不一定是最好的投資。

a waste of money because it gives you an opportunity to invest elsewhere, especially if you are

浪費錢，因為它給了你一個在其他地方投資的機會，特別是如果你是

planning to live there for just a few years since the cost of selling that property and

由於出售該房產的費用和計劃在那裡住上幾年。

getting a new one would easily make it even more expensive.

得到一個新的很容易使它更昂貴。

Even if you get a mortgage now when interest rates are so low.

即使你現在利率這麼低，還能拿到抵押貸款。

The equation isn't going to change much because if it's adjustable, then your mortgage rate

等式不會有太大的變化，因為如果它是可調整的，那麼你的抵押貸款利率。

would increase in a year or two once life gets back to normal.

會在一兩年內增加，一旦生活恢復正常。

if it's fixed, the market is slightly overvalued, as we have explored in a previous video, which

如果是固定的，那麼市場的價值就會略微高估，我們在之前的視頻中已經探討過了，那就是

means there could be a correction in the next few years, and your final net worth be less

意味著未來幾年可能會有一個修正，而你的最終淨值會減少。

than $728K. And if, for some reason, interest rates drops further in the future since that's

比72.8萬元。而如果因為某些原因，未來利率進一步下降，因為那就是

where they seem to be moving in the long run, you won't be able to take advantage of that.

在他們看來長期移動的地方，你將無法利用這一點。

Thirty years is a long period of time.

三十年是一個漫長的時期。

I can't imagine how my life, for example, would look like in 30 years, a lot could change,

我無法想象，比如說我的生活，30年後會是什麼樣子，很多事情都可能發生變化。

and the pandemic is real time evidence of that.

和疫情的實時證據。

Those who were renting and were able to work from home all this time had the opportunity

那些租房的人，這段時間能在家工作的人，有了機會

to move to a more affordable city and save a fortune on rent, while those who purchased

遷到更實惠的城市，節省一筆租金，而那些購買了

a house had no other option but to stay.

一間房子除了留下，別無選擇。

The world is changing so rapidly that locking yourself in a single neighborhood isn't always

世界變化太快了，把自己鎖在一個小區裡並不總是

the best option, especially when we have more effective tools to build wealth that our parents

最好的選擇，尤其是當我們擁有更有效的工具來積累財富，而我們的父輩們

didn't have access to, such as the opportunity to invest in the stock market from the comfort

的機會，比如在舒適的環境中投資股市。

of your smartphone cost-free.

的智能手機免費。

That doesn't mean you should not buy a house, in your case, maybe buying a house is a better

這並不意味著你不應該買房，就你的情況而言，也許買房是比較好的選擇

option since it aligns with your goals.

選項，因為它與你的目標一致。

So should you buy or rent?

那麼是買還是租呢？

It dependence on your circumstance.

這取決於你的情況。

Dont forget to check out our sponsor skillshare, they really have some amazing courses, including

不要忘了檢查我們的贊助商技能共享，他們真的有一些驚人的課程，包括

on how to invest in the stock market.

關於如何投資股市。

The link is in the description.

鏈接在描述中。

Thanks for watching and until next time.

謝謝你的觀看，直到下一次。