DECIDE LIKE A CFO
EPISODE 1Rent vs buy

Buy, lock
or wait?

A one-minute decision, worked like a CFO would: every number on screen, with its source and date. Then the model, free, so you can run it on your own figures.

Get the free model See the numbers

Written by a chartered accountant with 15 years in banking. Presented by Vera, our AI host. Education, not advice.

Vera, the show's AI presenter, in a bright home office: dark shoulder-length hair, tortoiseshell glasses, navy sweater AI HOST
Example household, 7-year stayBuying pulls ahead in year 13
−$23,999 at yr 7

One decision a week

Each episode under a minute. The full workings in the letter.

EP 1FIRST UP
Rent vs buy: buy, lock or wait?
Break-even year, and what moves it. Preview the numbers →
EP 2COMING UP
Pay off the mortgage or invest?
EP 3COMING UP
Cash cushion or credit card?
The numbers

Change one assumption. Watch the answer move.

Same household, same $450,000 home, same 6.25% rate. Only home value growth changes.

Home value growth per year
Buying pulls ahead
Year 13

At a 7-year stay, renting and investing the difference comes out ahead. Buyer minus renter: −$23,999

Years until buying is ahead
By home value growth. Shorter bar = buying wins sooner.
  • 0%Never
  • 1%Year 30
  • 2%Year 24
  • 3%Year 13
  • 4%Year 6
  • 5%Year 4
  • 6%Year 3

"Never" = not ahead within 30 years. Source: the free Rent vs Buy model, Sensitivity tab. Example household: $450,000 home, 20% down, 6.25% 30-year fixed, $2,400/month rent. Not a forecast.

Vera is an AI presenter. The numbers aren't.

Every episode is written by a chartered accountant with 15 years in banking, who stays anonymous. Vera presents it. She runs the model on screen; she has no money story to sell you.

  • Every figure sourced and dated. Corrections listed in the letter.
  • No investment or product recommendations, and no advice on your personal situation.
  • The model is free, so you can check our arithmetic.

Get the model Vera uses on screen.

Free, with the example household loaded. Plus the weekly letter: the full workings behind each episode, about five minutes of reading.

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