07/02/2026
* The Big Idea: The sooner someone becomes a homeowner, the sooner they start the wealth-building clock. Buyers who purchase in their 20’s tend to have higher net worths by middle age.
* A Habitat for Humanity study for the U.S. homeowners’ net worth was 400% higher than renters of similar demographics and earnings.
* Our aha: Time matter more than timing the market. The biggest cost of waiting to buy isn’t just the rise of home prices, it’s also the lost years of equity build up.