• Aubrie Layne

Girls Guide to Make It Rain- Homeownership Is a Key to Building Wealth

I probably have said 1000x you don't have to wait to be married or a grownup or whatever excuses people use to NOT buy a house and just rent while they are young. If you have a steady job, some good credit, you can start building your wealth, NOW. I wish I would have put my big girl pants on years ago when I first moved back to Houston in 2001. I paid an astronomical amount of rent for years. I told myself all the typical excuses why one wouldnt want the responsibility of BUYING. I should have just bought my little condo in the Houston Heights and would have been set combined with my 401 savings from my big grown up corporate cosmetics job. (kicking myself)

For years, real estate has been considered the best investment you can make. A major reason for this is due to the net worth a household gains through home ownership. In fact, according to the 2019 Survey of Consumer Finance Data from the Federal Reserve, for the average homeowner:

“…a primary home accounts for 90% of the total wealth of a family in the U.S.”

How do homeowners gain wealth? Most large purchases, like cars and appliances, depreciate in value as they age, so it’s understandable to question how owning a home can increase wealth over time. In a simple equation, the National Association of Realtors (NAR) explains how the combination of paying your mortgage and home price appreciation grow overall wealth:

Principal Payments + Price Appreciation Gains = Housing Wealth Gain

As home values increase and you make payments toward your home loan, you’ll gain wealth through equity. The same article from NAR also addresses how wealth gains tend to play out over time:

“Housing wealth accumulation takes time and is built up by paying off the mortgage debt and by price appreciation. And while home prices can fall, home prices tend to recover and go up over the longer term. As of September 2020, the median sales price of existing home sales was $311,800, a 35% gain since July 2006 when prices peaked at $230,000.” Taking a look at how equity has grown for the typical homeowner, it’s clear to see how real estate is a sound long-term investment. NAR notes:

“Nationally, a person who purchased a typical home 30 years ago would have typically gained about $283,000 as of the second quarter of 2020.” (See graph below): Bottom Line

Whether you’re a current homeowner planning to put your equity toward a new home or have hopes of buying your first home soon, home ownership will always be a great opportunity to build your net worth and overall wealth. Owning a home is truly an investment in your financial future. How good will it feel when you find that person in your relation where you both equally bring something to the table and are each others assets, not liabilities and compbined, are better together!

For more tips or see what I am up to on my real estate adventures, follow me on Instagram or Twitter! Happy House Hunting Yall! Aubrie Layne-Rodriguez

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BIO 2021

Aubrie Layne, a luxury real estate specialist, possesses the winning combination of loyalty and confidentiality. Having a firm grasp on Houston’s premier neighborhoods, her knowledge and strong work ethic have garnered her a clientele from all over the world. Considered an insider, she is the consummate professional who focuses on fine properties inside the loop, Montrose, The Heights and up and coming areas like Eado.


A native Houstonian, Aubrie was raised in California and returned to Texas in 2001. A beauty prodigy, at age 12 she started her first business and by 20 years old she was promoted to the prestigious position of a global makeup artist with Laura Mercier. She represented the brand in Asia, Europe, and The Americas with regular work for the Paris and New York Fashion Weeks. Aubrie has 25 years of experience as a makeup and eyebrow specialist winning BEST of multiple categories in the beauty industry. She was recently named one of Houston’s top 26 Most Stylish People by the Houston Chronicle. 


With her thumb on the pulse of what’s happening in Houston and a family of real estate entrepreneurs, a career in residential real estate was an obvious choice for this organized, highly driven, motivated professional. Aubrie strives for excellence in all things and is committed to the priorities of her clients. Employing a solid referral base and many high profile clients, she is an excellent listener and problem solver who thrives under pressure and loves the challenge of making certain that any transaction is a “win-win” for all parties involved.


Aubrie is a member of the National Association of Gay and Lesbian Real Estate Professionals, National Association of Realtors, the Texas Real Estate Commission, and Texas Association of Realtors.


A die-hard HLSR volunteer with the Houston Livestock Show and Rodeo Souvenir Program Committee, Aubrie is on the Goody Girls Cook-Off Team. She was the 2015 Adult Honoree for the Arthritis Foundation Bone Bash Gala where over $300,000 was raised for the charity event. She is an Arthritis Foundation Houston Junior Board and committee member. A bonus mom to three boys in college, Aubrie is engaged to a financial planner,a perfect power couple-empty nesters.

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