<prompt> Human: According to Wharton professor Sinai here: Housing is a consumption decision, not an investment decision, Sinai said. The amount you pay for housing should comport with your needs, goals, and budget, regardless of housing market trends and potential growth in home value.  <response>: Correction: if you are buying a house to reside in then it is a consumption decision. Not every real estate purchase is for the purchaser to reside in. 