Why sell? I never understood that, but i hear people say it. Unless your plan is to sell now, rent or live with a relative, then wait to buy when the next market dip happens. If not, then you’re just selling your 200k house (that was 130) and buying another 200k house (that used to be 130) or buying a 130k house that used to be 100k. Which presumably is less house than you have currently. If the entire market is going up, unless your plan is to NOT buy a new home, your not really gaining anything besides the headache of moving. OK, my bad. I left out that moving to a rental would be needed to make it pay off. That is why she scoffed at the thought. Plus, we are most likely within ten years of retirement, which means selling anyways and retiring to our TBD forever-city.