A recent Reddit post by a 53-year-old tech professional, who bought a ₹2 crore house without a loan and now lives stress-free post-layoff, has sparked debate: should you buy a house in your 40s or 50s?

He advises against rushing into homeownership in your early 40s, urging people to focus on investments and career growth first. “Don’t fall for FOMO,” he cautions. Others argue that buying early helps build wealth through rental income and emotional value. Financial advisors say timing depends on life stage, income stability, and family needs. Early buyers may face budget constraints and EMI pressure, while late buyers need a solid corpus. EMI planning is key—if one income stops, stress rises. Experts outline two strategies: buy young and upgrade later, or save up and buy your dream home in one go. Ultimately, financial discipline, career security, and personal goals should guide the decision—not age alone.