Renting vs. Owning a Home: Which Builds More Wealth?

What are some of the most important financial differences between renting and buying a home?

In this episode, Trey and Yelisey break down the classic rent-versus-buy debate from both emotional and financial angles. They explore the true costs of homeownership, from property taxes to maintenance, and when renting might actually be the smarter option. By the end, you’ll have a clearer understanding of how to align your housing choices with both your finances and lifestyle values.

What you’ll learn in this episode: 

(00:40) How your biggest asset—your home—can act more like a savings account than an investment.

(02:37) How personal experiences and timing shape attitudes toward buying and renting.

(05:10) The pros of renting include flexibility, fewer responsibilities, and no upfront costs.

(06:03) The downsides of renting include no equity, rising rent, and limited control over your space.

(09:40) How choosing the right location and real estate agent can turn homeownership into a better investment.

(12:10) How much of your income should go toward housing.

(16:15) Why homeownership costs extend far beyond the mortgage, including maintenance, taxes, and unexpected expenses.

(20:57) How your home can be more than an asset—it can be an emotional and relational investment in family life.

Learn more about Trey C. Peterson, Yelisey Kuts, and All Things Financial: https://atfwealth.com 

Subscribe to the podcast: 

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YouTube: https://www.youtube.com/@allthingsfinancialshow?sub_confirmation=1 

Trey C. Peterson and Yelisey Kuts provide an extensive level of knowledge and service in areas concerning retirement strategies, including tax strategy, investments, estate planning, life and long-term-care insurance, Social Security, and Medicare. A one-stop shop for all your retirement needs, visit https://atfwealth.com to learn more!

Have questions about retirement planning or other financial topics? Email Yelisey and Trey, and your topic might be featured in a future episode! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge.

Schedule a meeting with us: 

Trey C. Peterson: [e-mail] 

Yelisey Kuts: [e-mail] 

Phone: [phone]

Contact us: https://atfwealth.com/contact-us 

Trey C. Peterson is a Retirement Planning Specialist with All Things Financial. Trey is a graduate of Oral Roberts University with a degree in Corporate Communication. He is currently pursuing his master’s degree in leadership. He is also a graduate of The National Institute of Christian Leadership.

Yelisey Kuts is a Fiduciary Wealth Advisor with All Things Financial. He has a master’s degree in business from Oral Roberts University. Aside from being a financial advisor, Yelisey has taught classes on a wide...