Never Buy a House (The Math Is Against You) | J.L Collins

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For decades, we’ve been told the same financial advice: buy a house, it’s the best investment you’ll ever make.
But what if that belief is quietly working against you?
This video challenges one of the most accepted ideas in personal finance and looks at homeownership through the lens of long-term investing, opportunity cost, and financial independence. Inspired by the principles popularized by J.L. Collins, author of The Simple Path to Wealth, this talk separates emotion from math and tradition from reality.
A house provides shelter. Comfort. Stability.
But those things do not automatically make it an investment.
Here we explore why tying large amounts of capital into an illiquid, maintenance-heavy asset can slow compounding, reduce flexibility, and delay financial freedom—often without people realizing it until decades later.
This is not about telling anyone how to live.
It’s about understanding the trade-offs, questioning assumptions, and making intentional financial choices instead of inherited ones.
If you care about simplicity, freedom, and letting your money work harder than you do, this conversation is for you.


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