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Hello Felipe, I'm happy you came. Come in, take a seat, please.

Hello Richard, wow it's the first time I come to your apartment. I like it.

Thank you. It is next to the beach. We can go there later if you want.

Yeah sure, but I need to ask you something. How much does this apartment cost? I would really like to buy an apartment like this. It must be really expensive, right?

I don't know. I think it's $200,000 or something like that. I am not the owner. I just rent this apartment. I don't know the price, but yeah, I suppose it's expensive.

Seriously? I can't believe you. And how much do you pay to rent this apartment?

$1,000 approximately. Comes with garage and storage.

$1,000? Mmm, that's not cheap. Well, for me, with that amount of money, why don't you better buy this or another apartment? I mean, isn't it better to buy your own house? Why are you renting this apartment?

That's how I also thought in the past, but then I understood that it's not better to buy. I prefer to rent. That's much better, in my opinion. In my case, it suits me better.

Now I don't think so. With the money you can be paying for a house, your own house, how can you say it's better to rent? Explain it to me, please, because I don't get it.

All right, for some, renting is considered throwing money away, while buying is an investment. The truth is, the answer to the rent versus buy question is much more complex than that. It's more like "which size fits me?" I will explain it to you. As I said before, the biggest myth about renting is that you're throwing away money every month. This is not true. After all, you need a place to live, and that always costs money in one way or another. While it's true that you aren't building equity with monthly rent payments, not all the costs of homeownership go toward building equity. When you rent, you know exactly your housing cost each month, but one advantage is no maintenance costs or repair bills. That's excellent. One of the benefits of renting a home is that there are no maintenance costs or repair bills. This means that when you rent a property, your landlord assumes full responsibility for all maintenance, improvement, and repairs. If an appliance stops working or your roof starts to leak, you call the landlord, who is required to fix or replace it. I like that. Another advantage is no real estate taxes. One of the major benefits of renting versus owning is that renters don't have to pay property taxes. In some areas, the cost associated with property taxes can amount to thousands of dollars each year.