Personally, I don't see the whole appeal of owning your own house. Sure, the space can be nice and you're free to terraform your territory in whatever way you choose, but there's just something appealing about living in a barren apartment that barely fits ten people. The simplicity, the peacefulness, the occasional screaming from your neighbors. It's nuanced but subtle.
Am I just saying these things to shamelessly justify the hoarding of money at the expense of your own quality of living?
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...Yes.
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