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Housing is another common example with the appreciation of a home vs. the cost of rent. But almost every time I've had someone brag about how much their home has appreciated, when I've compared how my investments have done (boring mostly world market cap weighted stuff, using some instruments to get leverage), my investments have outperformed, so this is really about having investments vs. not, which is super different from Vimes' boots as stated as well as how people generally reference it.