Buying a House VS. Investing In the S&P 500 (Which Is Better?)

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 3 December 2025

⏱️ 38 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the shocking truth that while homes increased 400% since 1970, the S&P 500 returned 7,000% in the same period. He breaks down three full case studies showing the real total cost of ownership including property taxes, maintenance, insurance, and opportunity cost, plus when buying still makes sense and how to calculate your total cost of ownership. Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Listen to The Business Show here. Partner Deals Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/ DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc. Policy Genius: Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Resources Mentioned The Total Cost of Ownership Calculator Master Money Co Resources Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Listen up.
0:01.0	Huh? That means you.
0:02.0	Yes, you. We know you're pointing at yourself. When it comes to Paddy Power Games, we've got a place made for all sorts. From the experts to the Drama Queens. It's me, the JC. The finance bros. Look at those stocks, lads. We'll stick with slots. It's what we're good at. And not forgetting you. Yes, you, the one listening.
0:21.5	Because at Paddy Power Games, we've got all sorts of games for all sorts of trickles.
0:26.1	Eligibility rules in terms and conditions apply.
0:27.8	Please gamble responsibly.
0:28.8	8 plus gambolawair.org.
0:30.6	Why are businesses like HelloVet choosing Apple products and services?
0:34.9	So we started the business two years ago.
0:37.2	We had a few people who were used to PCs and this was their first foray into
0:41.5	Macs.
0:42.5	But it's been super smooth getting everyone onto those devices and everyone seems really,
0:47.1	really happy.
0:48.2	Find out how Mac can help you run and grow your business at Apple.com forward slash
0:53.7	HelloVet. On this episode of the Personal Fund, run and grow your business at apple.com forward slash hello vet.
0:56.3	On this episode of the personal finance podcast, we have a big episode in the versus
1:01.2	series.
1:01.9	We are going to do the S&P 500 versus buying a house.
1:19.0	What? What's up, everybody, and welcome to the personal finance podcast.
1:22.0	I'm your host, Andrew, founder of mastermoney.com.
1:28.3	And today on the personal finance podcast, we're going to talk about the S&P 500 versus buying a house. If you guys have any questions, make sure you join the Master Money newsletter by going to mastermoney.co
1:32.6	slash newsletter. And don't forget to follow us on Spotify, YouTube, Apple Podcasts, or whatever
	...

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