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With rising home prices, higher mortgage rates, increasing insurance costs, and growing concerns about affordability, more people are questioning whether homeownership still makes sense. In this video, I react to different perspectives on renting vs buying, break down the real costs of homeownership, explain the difference between being approved and truly being able to afford a home, and share practical tips every first-time homebuyer should consider before making a decision. If you're thinking about buying a house in 2026, wondering whether renting is throwing money away, or trying to figure out how much house you can realistically afford, this video will help you think through the numbers, the risks, and the long-term trade-offs so you can make the right decision for your situation. Looking for a real estate agent in your area? Click here to get connected: https://calendly.com/d/cr58-8rk-8mj Free home affordability calculator- https://yourhomebuyingpath.com/homeaf... Subscribe to the channel here!: / @samdolcine Sources: https://docs.google.com/spreadsheets/... Timestamps Intro- 00:00 Homebuyer Trap 1- 00:27 Commentary- 01:57 Homebuyer Trap 2- 03:35 Commentary- 04:21 Homebuyer Trap 3- 05:38 Commentary- 06:58 Homebuyer Trap 4- 08:07 Commentary- 09:29 Homebuyer Trap 5- 10:47 Commentary- 12:10 Homebuyer Trap 6- 13:18 Commentary- 14:58 Homebuyer Trap 7- 16:13 Commentary- 17:20 Samuel Dolcine LPT REALTY, INC CA License 02266762 Some of the links and other products that appear on this video are from companies which I will earn an affiliate commission or referral bonus from. This is at no additional cost to you. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. this video is about: investing,real estate,financial education,real estate investing,personal finance,rent vs buy,first time home buyer,renting vs buying,is buying a house worth it,hidden costs of homeownership,housing market crash,investing vs real estate