Never use your own money to buy House or Car. Always take mortgage or Home loans.

Many people dream of buying a house debt-free. “No mortgage, no stress.” But financially, taking a mortgage is often the smarter play.

Let’s say you want a $500,000 home.

If you pay $500k cash, your money is locked in an illiquid, non-earning asset (yes, real estate can appreciate, but it’s not guaranteed, and you can’t sell a bedroom when you need cash).

Instead, keep that $500k invested in bonds, index funds, or conservative ETFs earning ~6%.

Now, take a 30-year mortgage at ~9% interest (or even lower in some countries).

Here’s what people overlook:

That $500k invested keeps compounding.

Critics will say: “Instead of paying a mortgage, just invest that money monthly.” True — but you’re not just investing $500k upfront. Over the mortgage life, you’d end up investing $1400k in total (mortgage payment equivalents).

Yes, long-term market returns beat mortgage interest. But that’s because you’re investing more money over time, not simply the original lump sum.

And here’s the kicker: inflation.

Your mortgage payment stays fixed.

Every year, inflation erodes the real value of that payment.

Your income (hopefully) rises, your mortgage doesn’t — meaning your debt gets cheaper in real terms every year.

The real game isn’t “pay less interest.” The real game is: let inflation + compounding fight for you, while your fixed mortgage payment becomes weaker over time.

That’s why I say: never pay cash for a house. Always use a mortgage.

I’ve even built an app with calculators like:

Mortgage vs Investment

Rent vs Buy

Retirement/FIRE Planning

Education & Family Planning

Your choice: tie up half a million dollars in bricks, or let compounding and inflation work in your favor while you live in it.

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