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The Indivisibility Trap
Real estate has a fatal flaw — you cannot sell it in parts. If you urgently need 20% of your invested funds, you cannot "cut off" a piece of the apartment.
either you sell everything, losing income, or you seek loans against collateral, which is a path to a debt trap in a high-rate environment. A bank deposit, however, allows you to withdraw a portion of the amount without losing interest, preserving the rest.
Flexibility in managing capital is an undervalued characteristic that is critical in personal finance.
Owning square meters is always an "all or nothing" bet, depriving you of operational freedom.
#finance #strategy #money