on the better return over time on stock. Any stock or mutual funds you are purchasing, you have no leverage and therefore are only receiving the rate of return on your own money. If you are purchasing real estate with 10 to 20% down, the inflation rate is on 100% of the purchase price which is 5 to 10 times the rate of return you would gain using only your own money.

My comment was long-term with a buy and hold philosophy continually. I have used this my entire career and did a study approximately one decade ago showing the increase in net worth on paper based on the difference in using cash and leveraging. Real estate one for any twenty-year period of time and that is why I stated long-term with buy-and-hold. It has functioned very well for me over nearly 50 years.