Yea, good point.  If a person is already planning to get a 30 yr mortgage, the 50 could make better sense.  

Reasonable take.  But my hypothetical is really assuming that you're already interested in buying real estate, and the choice is between a 30 vs 50 year mortgage.  And in either case, I'd argue that I'd rather own real estate than own a dollar denominated promissory note.


SimpleStacker

econ

Rant: If you think 50 year mortgages is debt slavery, you don't understand money

> a valuable, appreciating asset (a home)

I used to think this....   

But I'm not so sure it's going to be true much longer.  

I think we've hit an inflection point in US real estate.  It may not ever recover to previous highs due to changing dynamics in geopolitics & central banking, US demographics, and Bitcoin proliferation/education.  

Obviously, there will always be "money" to be made in Real Estate.  But I don't think it will be as easy as last few decades.  The risks will be higher from this point on.