Your House is Your Home and Your Investment Future

Your house is far more than bricks and mortar — it’s the backdrop for birthday dinners and bedtime stories, the place where children grow, friends gather, and family memories take root. Yet beyond its emotional resonance, your home is also one of the most powerful investments you can make. This blend of daily enjoyment along with the long-term potential for wealth building, homeownership becomes an important foundation for family life, community connection, and financial security.

A modern residential property showcasing attractive landscaping.

For most people, their primary residence ultimately becomes their largest financial asset — a kind of “forced savings account” that grows over time. As you pay down your mortgage and as property values appreciate, your equity steadily builds. National data illustrates this clearly: U.S. homeowner households have a median net worth of roughly $396,000, compared with just $10,400 for renters. Home equity alone makes up a significant share of that wealth. In 2021, home equity accounted for a median of 45% of homeowners’ net worth, and for many middle-income households, it represents 50–70% of total wealth.

But in recent years, the investment side of homeownership has often overshadowed the intangible benefits — the sense of stability, belonging, and connection that comes from having a familiar place to call home and roots in a neighborhood. Because your home plays such a central role in both present comfort and future financial security, decisions around it naturally carry added weight. Is it prudent to purchase a home in the current interest-rate environment? Should you accept a job transfer if it means selling a home in one community and buying in another? If you’re in a position to invest in real estate, which markets and property types offer the strongest long-term potential?

Conclusion

Decisions about your home are not just financial questions — they are life decisions. And Colleen Edwards has navigated them personally, professionally, and repeatedly. She brings a depth of experience and insight to help you evaluate your options with clarity, confidence, and a long-term vision that aligns your family’s needs with your financial goals.