State of Real

Our goal is to tell you how to make a million bucks in less than 20 years with money just about anyone can save over a decade [$20,000–50,000 ] if they try. But sometimes we can just write a short blurb about how to NOT LOSE a decent chunk of your savings just making what might seem like routine life decisions with your capital. Here we don’t refer to buying oil (or is it selling if the seller pays you money to take his goods? Ok, even we’re confused now) at today’s all-time historical record of NEGATIVE $40.32 per barrel of West Texas Intermediate Crude oil [1]; we refer to the ordinary task of buying a house in 2020. Don’t do it.

It so happens, if you or a friend are in the market to buy a house and will have to lay down 10–20% of the house price as collateral (go with it, we’re old, when we grew up a family had to lay down 20%) to buy a Toll Brothers home, it’s just better to take that cash and buy $TOL stock. Do we think TOL is a great stock purchase? Not really. It could be, but mainly this article is about how to lose LESS money and how to gain MORE money than you would by buying a house, by buying something incredibly similar — Toll Brothers’ balance sheet. Toll Brothers’ balance sheet is loaded up with land and semi-finished homes and finished homes going currently unsold this Spring bc no one is allowed out of their Nazi Germany houses without meeting the storm trooper’s guidelines for proper attire (and soon mandatory needles inserted in to your body like you were cattle meeting FDA approval).