Are we really doing whatever it takes to get a so-called "home"?
Have you ever faced your bills at the end of a month and wondered your choice: should you take on a mortgage for decades, or enjoy that indescribable freedom? It's not just a matter of a loan contract, it's about our expectations for the future and our understanding of "home".
For those who choose to buy a home, every fluctuation in housing prices is like a heartbeat accelerating, both expectant and apprehensive. They pinned most of their life's income and expectations on this dozens of square meters of space. 9 to 5, just for that stability, and perhaps for society's definition of success. And for those who choose to rent, their lives seem to be lighter. With high capital liquidity and many life choices, there are no geographical restrictions, and there are more opportunities to explore the unknown.
People who have bought a house have a good life. It's not picking, it's helpless frugality. A loan contract allows them to compress the happiness of today and pay for the future of the territory.
And what about those who choose to rent? Although they don't have a real property, they can enjoy the life in front of them with the time they have rented. They are more willing to invest money and energy in improving the quality of life and pursuing spiritual enjoyment, rather than racking their brains for the four walls.
But does this freedom mean the absence of bondage? Every time you move, does it also mean that you readjust and start again and again? Without long-term stability, does it make people feel insecure?
And for those who shoulder the mortgage, is every overtime and effort done to not let themselves fall behind in this long-distance race? For them, a stable job is not only a source of income, but also the foundation of the whole family. They have to work harder in anticipation of a better quality of life and better care for their families through their hard work. Thinking about it the other way, people who don't have the pressure of a mortgage may have more resources to pursue a career they really love, or have more time to spend with their families.
By repaying the mortgage every month, the house slaves have invisibly exercised their financial planning skills. They learned how to divide a fixed amount of expenses within a limited income, how to set aside emergency funds for emergencies, and even how to increase passive income in various ways to reduce financial stress. All these experiences have given them their own set of methods and ideas for financial planning.
In contrast, homeless people may be more lenient or even neglected in terms of financial planning due to the lack of such long-term and fixed financial pressure. Therefore, for them, learning and mastering the necessary financial knowledge and recognizing the importance of rational asset allocation is a crucial step in ensuring financial security in the future.
Every fluctuation in the real estate market affects the fate of countless families. For households with heavy mortgages, a boom in the market is a harbinger of an increase in the value of their assets, and every percentage point of growth could be an acceleration of their financial freedom. However, there is also a risk behind this, once the market enters a correction period, those seemingly indestructible assets may also suffer a contraction, which is undoubtedly a heavy blow to them.
Relatively speaking, homeless people do not have to bear such fluctuations in asset allocation, and they can maintain a higher degree of flexibility and freedom in the face of market changes. This difference allows us to see the complexity and uncertainty hidden in each other's life paths.
In the current social concept, a house is not only a warm home, but also seen as a sign of stability and success. Those who own one or even several properties tend to be more confident in social situations, and their house is a strong proof of their social status. However, those who do not yet own their own home may feel an invisible pressure to rush to prove their worth and strength. However, it is worth noting that social evaluation cannot completely define a person's value, and with the gradual updating of concepts, houseless people are gradually finding their own lifestyle and value identity.
Lifestyle choices are varied, and each person's situation and preferences are very different. For some, owning their own home means stability and fulfillment, while for others, it's more important to be free from the constraints of property and to be free to explore the possibilities of life. Whether you choose to take on the responsibility of buying a home or enjoy the freedom of not owning a home, it's important that you make that choice feel fulfilled and happy.
The role of society is to create a diverse and inclusive environment where everyone can find the lifestyle that best suits them according to their desires and abilities. This includes offering diverse housing options, flexible financial planning services, and an atmosphere that encourages innovation and self-fulfillment. Through such support and guidance, we can hope to build a society where everyone can live happily.
Have we ever stopped to really think about what we want our lives to look like? Do you have to follow the traditional path or the expectations of society to arrange your life trajectory? Or can we be brave, break the mold, and find our own happiness and fulfillment?