Every now and then, there’s a moment in life when you realize the decisions you’re making today aren’t just about today. They’re about the version of you that exists five, ten, or twenty years from now. And when it comes to housing — rent vs. owning — that future version of you has a lot at stake. If you’ve ever opened an email from your landlord saying, “Your rent is increasing starting next month,” you know the feeling. That slow, subtle rise in costs that never seems to go