Hi Friends,

I watched a video this week that really stuck with me. The host talked about being nearly $9,600 in debt and hearing podcasters talking about becoming millionaires, and he thought, That’s a million miles away! — a feeling that is incredibly common.

The video didn’t offer flashy investing tips. Instead, it offered the following: Wealth isn’t about earning more. It’s about having a system.

I know, just the word, system, can bring up images of undecipherable spreadsheets and unsustainable deprivation — as in eating only Top Ramen.

A system doesn’t have to be any of that. It can be as simple as having money automatically taken out of your paycheck and put into savings BEFORE you even see that paycheck.

You don’t have to take my word for it. Warren Buffett, one of the world’s richest people gives the same advice. “Don’t save what money is left after spending. Rather, only spend the money that remains after saving.…”

Fact: The average homeowner’s net worth is dramatically more than the average renter’s, not because homeowners are smarter, but because owning a home forces long-term saving. Homeowners are building equity while simply living their lives— something renting just can’t do.

I know buying a home feels harder than ever right now especially for first-time buyers, but nearly every client I’ve worked with said the same thing later, “I’m so glad I bought when I did!”

I see more and more finance “gurus” suggesting that renting is a better financial option than buying a home. I respect a lot of what they have to say, but they are missing a big piece of the puzzle.

Most of us do not live in the biggest cities in the world where the price of buying a home is astronomical. If you do, renting a home and investing your money elsewhere makes sense.

However, for the rest of us, rent is not that much cheaper per month than a mortgage payment. AND once you get that 30-year mortgage, your mortgage payments will not go up (taxes and insurance will increase nominally). Rent, on the other hand, goes up year after year, decade after decade (and you will be paying your landlord’s taxes and insurance increases too). Your home’s mortgage is a system that builds wealth with “set it and forget it” ease.

Many people make good money but still feel broke. What separates people who build wealth is that they pay themselves first and put their money into investments that quietly grow over time — mainly the stock market and home ownership.

Our role at EvoReal isn’t to push anyone. It is to help you understand your options, your timing, and whether homeownership makes sense for your life, not for someone else’s spreadsheet.

If you ever want to talk through that — even just to get clarity — we’re here.