🏠 Renting vs Owning: The Wealth Gap No One Talks About

The renting vs. owning wealth conversation is one most families never hear. However, it’s the difference between surviving and building generational wealth.

If nobody ever broke it down for you, pull up a chair. Because of this conversation right here?
This is the financial plot twist that changes families for generations.

Most people were taught to “just pay your rent and keep life simple.”
But here’s the REAL truth the world doesn’t say out loud:

Renting builds THEIR wealth. Owning builds YOURS.

Let’s get into it.

💸 1. Renting vs Owning Wealth: Rent Is a Bill, a Mortgage Builds Assets

When you rent, every dollar you pay is GONE. No return. No equity.
Just poof. 💨

But with a mortgage?

Your payment becomes:

• Equity
• Leverage
• Appreciation
• A future asset

That same payment you make every month instantly switches from “expense” to “investment.”

📈 2. Renting vs Owning Wealth: Why Homeowners Have 40x More Net Worth

Read that again.

• Average renter net worth: ~$6,000
• Average homeowner net worth: ~$250,000+

Not because homeowners are smarter.
Not because they made more money.

But because ownership forces wealth-building:

• Equity grows over time
• Home values rise naturally
• Debt gets paid down
• The home becomes an asset you can leverage

Rent never gives you that.

🏡 3. Your Landlord Already Knows This

That’s why your landlord:

• Raises your rent
• Holds onto the property
• Cash-flows off your payments
• Builds equity using YOUR money

Every time you pay rent, you are literally paying their mortgage, their equity, their retirement, their generational wealth.

Let that sink in.

🔥 4. “But Coach, I’m Not Ready to Buy Yet…”

And that’s exactly why we’re having this conversation.

Because you don’t need:

• Perfect credit
• A huge down payment
• A six-figure income

You just need the blueprint, and that’s where Legacy Energy comes in.

There are programs RIGHT NOW that help you get into a home:

• Down Payment Assistance (DPA)
• VA loan (zero down!)
• USDA (zero down rural areas)
• FHA (3.5% down)
• City & county grants
• Lender incentives

You have OPTIONS.
You just didn’t have the guidance.

💰 5. Wealth Comes From Ownership Not Income

Two people can make the same income.

One rents → stays stuck.
One owns → builds equity automatically.

That’s the REAL wealth gap.
Not race.
Gender.
Not income.

Ownership.

🔑 6. Renting Is Temporary. Ownership Creates Legacy.

You deserve to leave:

• Stability
• A paid-off home
• An asset your children inherit
• Wealth that continues beyond you

Renting stops everything at YOU.

Owning opens doors for the people who come after you.

✨ Coach Moore’s Real-Talk Closing:

If you’ve been renting your whole life, it’s not your fault.
Nobody taught us the game.

But now that you know better?
We’re about to DO better.

Your next move is your bold move.
Let’s close this wealth gap—one homeowner at a time. 💙💛

According to data from the Federal Reserve’s Survey of Consumer Finances, homeowners consistently hold significantly more wealth than renters.