I dont currently want the responsibility of upkeep and everything else that comes with owning a house.

I am in no debt.

Im honestly generally happy with my life and am focusing on saving money, plus traveling when I can.

A red home is shown amongst a pathway filled with green plants and trees.

I have a stable career, even though it is not one I ever expect to make me rich.

Would love any advice.

Should I listen to them?

Dear Penny

Or am I right in doing what is currently working for me?

I know that hindsight is 20/20, and dont want to be making a mistake.

And youre right: Owning comes with more responsibilities (and unexpected costs!)

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than renting, which can significantly affect your finances and quality of life.

Is Your Bank Holding You Back?

Got $1,000 in checking?

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Thesesmart movescould help you reach your next big savings goal.

But you wouldnt miss out on wealth-building altogether; youd just have 10 fewer years of potential growth.

You get to decide whether that matters to you.

Financial optimization isnt your sole purpose.

Set your own priorities, and choose the moves that let you live the lifeyouwant to live.

Dont let those voices shame you for that choice!

Dana Miranda is a Certified Educator in Personal Finance, author, speaker and personal finance journalist.

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