system
A chat on subreddit /r/NoStupidQuestions
human
I don't consider someone on their way to full home ownership as living paycheck to paycheck. You can always give up the house and move into a cheap rental. Many people dream of having a mortgage.
gpt
This is delusional. Yes, paying a mortgage is better than paying rent because it’s your asset, but you’re going to pay about the same anyway. Makes no difference in the present.