$BTC (Victory) VS buying a home, so I did $ADA VS buying a home, and still ADA wins!
Initial capital and home-buying conditions:
Total home price: $250,000 (assume a 15-year mortgage with an annual interest rate of 4.25%).
Down payment costs: $55,000 ( $50,000 down payment + $5,000 fees ).
Monthly total cost for the home buyer: about $2,025 per month (mortgage principal & interest $1,504 + maintenance/insurance/taxes $521).
Monthly rent for the renter: starting at about $1,200 per month, and the difference available each month for periodically buying ADA is about $825 per month.
2026 final asset comparison and calculation process
1. Home buyer option (15-year mortgage, paid for 9 years)
Property appreciation: the 2.5 million home purchased in 2017; after 9 years of U.S. price growth, the home price in 2026 is about $415,000.
Remaining mortgage debt: after paying the 9 years, the remaining unpaid principal is about $95,000.
Final net worth (home market value - remaining debt): $415,000 - $95,000 = $320,000
Rent + ADA option (one-time down payment + 9-year periodic purchases)
A. One-time investment of $55,000 into ADA:
The initial launch price in early 2017 was about $0.025; buy at: you could obtain 2,200,000 ADA. By 2026 (unit price $0.20), the down-payment value is:
2,200,000 * 0.20 = $440,000
B. Monthly difference used to periodically buy ADA:
Over 9 years (108 months), average monthly investment is about $750, for a total cash investment of about $81,000.
Considering ADA’s average price from 2017–2026 is roughly around $0.38.
Total amount purchased: $81,000 / $0.38 = 213,158 ADA. When the 2026 price falls back to $0.20, this periodic-investment portion shows about a -45% paper loss, and the value drops to about $45,000.
Final total net worth (down payment + periodic purchases):
$440,000 + $45,000 = $485,000
3. Summary: Under a 9-year cycle, mortgage vs ADA—ADA is still the winner
15-year mortgage home purchase: net worth about $320,000
Rent + ADA option: net worth about $485,000
Initial capital and home-buying conditions:
Total home price: $250,000 (assume a 15-year mortgage with an annual interest rate of 4.25%).
Down payment costs: $55,000 ( $50,000 down payment + $5,000 fees ).
Monthly total cost for the home buyer: about $2,025 per month (mortgage principal & interest $1,504 + maintenance/insurance/taxes $521).
Monthly rent for the renter: starting at about $1,200 per month, and the difference available each month for periodically buying ADA is about $825 per month.
2026 final asset comparison and calculation process
1. Home buyer option (15-year mortgage, paid for 9 years)
Property appreciation: the 2.5 million home purchased in 2017; after 9 years of U.S. price growth, the home price in 2026 is about $415,000.
Remaining mortgage debt: after paying the 9 years, the remaining unpaid principal is about $95,000.
Final net worth (home market value - remaining debt): $415,000 - $95,000 = $320,000
Rent + ADA option (one-time down payment + 9-year periodic purchases)
A. One-time investment of $55,000 into ADA:
The initial launch price in early 2017 was about $0.025; buy at: you could obtain 2,200,000 ADA. By 2026 (unit price $0.20), the down-payment value is:
2,200,000 * 0.20 = $440,000
B. Monthly difference used to periodically buy ADA:
Over 9 years (108 months), average monthly investment is about $750, for a total cash investment of about $81,000.
Considering ADA’s average price from 2017–2026 is roughly around $0.38.
Total amount purchased: $81,000 / $0.38 = 213,158 ADA. When the 2026 price falls back to $0.20, this periodic-investment portion shows about a -45% paper loss, and the value drops to about $45,000.
Final total net worth (down payment + periodic purchases):
$440,000 + $45,000 = $485,000
3. Summary: Under a 9-year cycle, mortgage vs ADA—ADA is still the winner
15-year mortgage home purchase: net worth about $320,000
Rent + ADA option: net worth about $485,000