When it comes to a home, most people look at buy vs. rent decision in isolation. Mainstream finance magazines contribute to this thinking by presenting the numbers of buy vs. rent decision as if those direct costs are the only ones that matter. Some bloggers take this discussion forward (but barely) by including the opportunity cost of investing the down payment or other exclusive house-related costs in an S&P 500 index fund. This is still incomplete. Few people consider the bigger opportunity cost of home ownership while working in a corporate career.