It’s an age-old debate: Should you rent or buy?

According to early retiree Tanja Hester, “Often it comes down to the question of which you value more: certainty of how much your housing will cost or flexibility to keep your assets liquid and to move whenever you want,” she wrote in her book, “Work Optional: Retire Early the Non-Penny-Pinching Way.”

Hester, blogger at Our Next Life and influencer in the FIRE (financial independence/retire early) community, retired at 38. She and her husband bought a house in 2011 for well below the area’s median price and financed it on a 15-year mortgage. But just because buying was the right decision for her doesn’t mean it’s the right decision for you.

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