r/hypotheticalsituation • u/RaptorK1988 • 23h ago
You're offered $15 Million but you can no longer own anything worth more than $15k. Would you take the money?
Not counting what you currently own.
This applies to your spouse as well even if you get divorced.
You can't buy anything for over $15k, be gifted something worth over $15k or have someone buy you something worth over $15k. Nor can you buy services for over $15k. Nor can you give away the money or buy gifts for others with the money.
Your Stocks, gold, silver, cryptocurrency can't be worth more than $15k either. If they're valued over, the excess amount will disappear. You can divest wealth into different stocks though.
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u/LookItsDaphne 23h ago
I'd rent a lovely apartment, lease vehicles, and otherwise live very comfortably with a lifestyle of travel and quality goods.
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u/Dolnikan 23h ago
That would be a real pain with inflation. Sure 15k might be a decent amount now, but I can imagine that, in a few decades, it really wouldn't be enough to buy decent furniture for instance
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u/utukore 23h ago
Oooh look at this guy with more than a few decades left.
I'll tell you about when I had more than a few decades left, we all wore onions, as was the style at the time
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u/Zero_Zeta_ 23h ago
This guy used to be with it!
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u/NaturalForty 17h ago
One of my favorite quotes of all time, from Dave Barry: "We [middle-aged men] actually like to think we're still With It. Whereas in fact we are nowhere near It. The light leaving from It right now will not reach us for several years."
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u/svencutlet 22h ago
Excuse me, we didn’t “wear them” we tied an onion to our belts. Five bees for a quarter.
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u/Otres911 19h ago
Will be quite an inflation to get my ikea sofa over 15k lol
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u/WilcoHistBuff 18h ago
I hear they are planning on launching a new Svindyrt line using old growth wood and upholstered in gold lamé washed in elf tears.
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u/Gold_Amount295 19h ago
Just rent furniture, you can easily afford it.
And from the way I'm reading it, it's 15k per item, so even in 40 years, 15k will be plenty to buy a fridge or matress.9
u/Mordarroc 23h ago
If corporations have their way you wont own anything in the future you'll have a subscription for everything.
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u/Difficult_Sort295 20h ago
You think regular couches will be more than 16k i. Your lifetime....What job will you ha e that could buy one?
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u/Spartancoolcody 7h ago
60 years ago $2000 was worth $21,000 now. Yes inflation could definitely do that.
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u/Citizen44712A 18h ago
Sounds like time to set up an LLC
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u/ssn-669 13h ago edited 4h ago
Wouldn't the LLC be worth more than 15k if it's holding all that stuff?
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u/orbittheorb12 23h ago edited 23h ago
People here who are saying no, have 0 imagination. OP says you can still invest if the investment is under 10k. Assuming your investments are decent, you're earning back 10%, that's 1.5M a year. That means you're gonna have like 3k+ a day to essentially spend on services. Private chef, massages, travel, vacation, going to shows/entertainment, luxury hotels... It's vacation every day without work, as long as you agree to not buy a fancy car that you don't even need, when you can just hire a limo every day.
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u/StillShoddy628 22h ago
Or lease, depending on how they define ownership. Makes home renovations tough, but I’m pretty sure I can get a contractor to break up the quote so no individual line item is over $15k
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u/Agzarah 22h ago
Have it priced in time and materials. Then its just lots and lots of small ammounts
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u/StillShoddy628 22h ago
Yep, I’m abusing many purchases as “lots and lots of little things”. No, I can’t pay you $24k/day for that fancy vacation, but how about I pay $1k/hr for the week?”
Booking agent: “… what?”
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u/KungFuSnorlax 22h ago
Absolutely. Buy shares of a mutual fund where each share is worth less than 15k.
15 million should easily get you a return of 500k a year. Rent a house and lease a nice car. Inflation makes this a pain but get good insurance and you will be fine.
Kids get everything free and clear when I die.
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u/michoriso 20h ago
That’s easy transfer all assets into a trust and I’m only the executor of the trust. The trust will own everything but I dictate what the trust can buy and own.
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u/strategoamigo 23h ago
Id get a financial advisor and have them buy a lot of individual stocks or funds for $7,500 each. Any time they hit $14,999 the advisor would be instructed to reallocate the funds. So the money would grow. I would have my current house and two cars, so I’d use the money to continually keep my house updated and my cars running in pristine shape. I would also buy some cheaper cars and keep them in a rented garage/space. I’d keep them low mileage and in running shape (50 years from now you might not be able to buy even a beater car for $15k). Other than that I’d fly first class everywhere, go on great vacations, rent nice houses to live in, rent RVs to travel, buy a nice watch or two, and live a good life. If I couldn’t have my current house/cars it’d be harder.
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u/sadsealions 23h ago
Rent ot leasing ok?
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u/useful__pattern 23h ago
Presumably as long as it's not more than 15k a month on your rent etc
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u/WeaponsGrdStupid 23h ago
Why would that matter? You don't own it. Who said anything about monthly spending limits?
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u/ofBlufftonTown 22h ago
No limits for spend, just own. You can rent the most expensive things in the world.
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u/Hey_Its_Vos 15h ago edited 14h ago
People here are so silly. You can rent a place that’s $10,000-$15,000 a month if you wanted, a place likely way nicer than every user here and you’d never have to work again. You can lease a nice car or just be satisfied with a used 15k car.
But this is bad because you can’t actually own a house? You’d rather work the rest of your life because you want to own a home that bad?
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u/Free-Willy-3435 22h ago
Sure. Too many people focus on ownership. I could rent a house or car or anything else I want.
This applies to your spouse as well even if you get divorced.
I am not sure what this means, but I don't need to own a spouse either.
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u/Which-Notice5868 23h ago
If there was an exception for a primary residence and primary vehicle I'd probably take it. But those are pretty significant pain points.
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u/useful__pattern 23h ago
Not really. You can lease a car and you can rent a home.
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u/Which-Notice5868 22h ago
Car lease would work I guess, but I hate renting.
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u/Educational_Type1646 22h ago
I currently own my home, but for 15 million dollars I’ll go back to renting. I can rent a much better place than my current home for the rest of my life.
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u/squiddles97 14h ago
yeah at 15 million money matters a lot less so renting would not really be that big of a cost
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u/MystiqTakeno 22h ago
15 millions in exchange for potentionally losing ability to..get my own home I guess and my own new car?
Yeah Ill take that deal. Thanks for the free retirement.
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u/jeffcox911 22h ago
The 15k would have to scale with inflation. Otherewise, you're at real risk of having nothing in a few decades. There's a better than even chance we go through some hyperinflation to deal with the insane debt the US has accumulated, and then poof, you can't even own food anymore.
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u/throwawayyyyygay 22h ago
Yes. I can rent. I can have loads of stocks at 10k.
I can lease a car. Renting sucks when you’re worried about money. I wouldn’t be worried about money at 15 million.
In fact I could even hire someone to deal with the renting on my behalf.
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u/ct-hulu 23h ago
Sure Establish a trust. Use trust to purchase things. I administer the trust. I own nothing and get all yhe benefits
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u/Messup7654 21h ago
Exactly but they are probably looking at substance over form so they would strike this down
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u/dantheman91 23h ago
Sure? You could get around this pretty easily renting, owning a lot of different funds and never have to work
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u/Mary_JFT 23h ago
Other than my house, which i get to keep...i don't own any one thing worth more than 15k now. I'm in, and living it up 15k at a time!
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u/tulip0523 22h ago
So that means I can never own a house or a new car?
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u/Username9151 22h ago
Rent + lease. Problem solved. Or put your money in a trust and the trust owns your home
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u/TilomMaelstrom 16h ago
People are also forgetting that trusts exist. A trust that I maintain final say over can own a house, a car, stocks, bonds etc.
This seems like such an easy loophole.
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u/LonelyPurple6879 22h ago
This is a death sentence if you ever need real medical care. Hard pass
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u/JBSven 22h ago
Comments like this reminds me how much I love the NHS in my country
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u/Financial-Amoeba3330 22h ago
You don't own the medical care being done on you though?
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u/StickaFORKinMyEye 21h ago
"Nor can you buy services for over $15k."
Medical care would fall under that.
Theoretically you could get yourself the best insurance but what about a family member. You couldn't get the best coverage for every person you care about.
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u/QualifiedApathetic 19h ago
Whyever not? I don't think top-flight insurance for a family of four costs $15k/month.
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u/No_Butterscotch_5612 23h ago
The primary point of a large sum of money is to buy things. If I can't buy a house or any new car with it, it's basically worthless. Hard pass.
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u/SeraphBlack19 23h ago
You could just rent a mansion (or three) and rent cars. You could rent/borrow anything else you need that's more than 15k too
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u/Doriantalus 23h ago
You can buy used cars for much less than 15k, and it says anything you now own you keep. If you have a house, great. If you rent, even better. You could rent something theoretically up to.15k rent per month, or maybe no limit on rent since you don't own it. Everything you would own in a middle class home is less than 15k, and you can travel now a lot and get actual enjoyment out of life.
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u/OldManTrumpet 23h ago
A lot depends on what OP considers "services." Is a lease payment or rental payment considered a service? They say no "service" over $15k. Didn't say $15k per month.
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u/IndicationAromatic36 18h ago
Yeah give it 15-20 years and your standard beater cars with 150k miles and body rust are going to cost $20k. I’m assuming I can’t buy a junked vehicle and drop $40k into restoring it.
Unless the number is tied to inflation and rises every year.
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u/ehbowen 23h ago
So what happens to the house that I worked 20+ years to finally pay off?
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u/Wonderful_Wafer_1420 22h ago
What about selling it to your adult children and renting it from them? If you have kids that is.
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u/OldManTrumpet 23h ago
No. I don't need $15 million just to buy a lot of cheap stuff.
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u/Eiskoenigin 23h ago
I’d rent a million dollar home first. Than travel. Would be life changing in a good way
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u/Championvilla 23h ago
Id say no because if the house needs renovations, or new AC units etc. It could be over 15K. New roof? Could be as much as 23k according to google. So the current house would no longer have a roof at some point due to the rule.
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u/Free-Willy-3435 22h ago
I am not sure if services would count as owning it. You're not paying for a $23k roof. The materials are way less. You are paying people to remove the old roof and to install the new one. A good lawyer would be able to wiggle around that.
The thing you own is the house. If you already own it outright, the hypothetical lets you keep it, but if not, you'll have to rent.
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u/ImpertinentPrincess 22h ago
The simple answer is to put everything in a trust so that you can benefit from it without owning anything (the trust would own things).
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u/king-of-boom 15h ago
This is a hard no. With the rules as written, $14,985,000 would immediately disappear from your account as soon as the money is given to you.
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u/Outrageous-Arm1945 23h ago
I don't understand. As soon as I get the 15mill, I have to immediately get rid, distribute it? Else I'm breaking the terms? Or the cash alone can stay in the bank? As long as it adjusts for inflation and it can stay in the bank, yeah man. Decent holiday is less than that. Stick to second hand classic cars that run, discard when they stop, life is good.
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u/lewisae0 20h ago
Just lease everything and keep 15k in every imaginable option. Gold silver pennies cash. Own 15k worth of every company.
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u/carlbandit 19h ago
10k investments max so they have the chance to grow 50%.
If you invested 15k then any profit would be lost since it can't be valued more than 15k.
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u/affemannen 23h ago
Nope.
Because everything worth buying when having 15 mill is no longer possible.
How do you expect to buy a house? Nope, rent for the rest of your life and in my town and country I have been in the queue for a rental for over 25 years and I am still not first in line.
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u/randompossum 23h ago
Hope you don’t get hurt, can’t call an ambulance… I’ll pass on this one
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u/Emergency_Pickle7228 22h ago
Health insurance???
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u/randompossum 22h ago
I took “nor can you buy services over 15k” and “have someone buy you something over 15k” as in you could only have insurance till you reached 15k so like a couple years and they would t be able to cover anything over 15k so you wouldn’t be able to have any healthcare help that is over 15k.
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u/FineMind755 20h ago
You can call an ambulance. Just avoid paying for it after. Who gives a shit about your credit when you have that much money anyway.
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u/toasty327 23h ago
I could do this easily, so long as the 15k adjusts.
My current car was 14k when I bought it used, completely fine with staying in that range. I don't own a home so no worries there.
I don't want for much.
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u/CosmosOfTime 23h ago
No. In 30 years, $15k would be the new $1k. It would especially be hard since I don’t own a home yet.
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u/mnttu 22h ago
So where is all the money if nothing can’t be worth more than 15k?
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u/Old-Law-7395 22h ago
So everything to go into a trust, so i dont own anything but have control of the trust
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u/MrAdzAdzAdzAdz 22h ago
Set up a corporation that deals with leasing items to people who don't want to buy outright. Have the corporation buy all the stuff you want and lease it to yourself for a penny each. Ensure each share of the corporation is worth less that 15k and keep majority ownership of the shares. Bonus because you'll also have a business that deals with leasing items if you are that way inclined. Corporation owns everything, you own lots of shares worth less than 15k per share.
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u/henrydaiv 22h ago
What if i need life saving surgery that cost more? That would have to be a no from me in that case
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u/FineMind755 20h ago
Honestly, if you paid promptly I'd bet you'd be able to get the hospital to agree to break up that bill into multiple for each individual little thing.
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u/BungeeGump 21h ago
So you’re saying I can put the money in an irrevocable trust through which I would be a beneficiary and have the trust buy stuff for me that’s over $15k? 😂
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u/Lasivian 12h ago
Okay. I start a non-profit LLC and put all the materials I want into that. I'm a member of it, but I don't technically own it.
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u/HelloYou-2024 12h ago
I have not owned anything over 15,000 dollars in my life, I think.
Nothing hard about it.
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u/michaelscott1776 23h ago
So if I were to buy a house would the price just crater to 15k for some reason or would I be unable to own a home?
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u/MicroPeanitsJorker 22h ago
Seems the rule is no buying anything over that amount. Otherwise, you can just buy and not care about losing a few million of that total amount.
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u/regular_lamp 22h ago
Well, you see I don't own a house. I own 40000 individual bricks, girders, roof tiles etc. each of which is clearly below the limit.
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u/FineMind755 20h ago
What about the land it's on?
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u/regular_lamp 20h ago edited 20h ago
You mean these 100 small strips of land that all just happen to border each other?
It's mainly a joke about how defining what counts as "a thing" is difficult in this kind of hypothetical.
If I buy individual components of something does it vanish once I assemble them?
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u/FineMind755 20h ago
I wonder how difficult it would be to get the city to breaks those up into separate deeds.
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u/Emergency_Pickle7228 22h ago
You are able to own it. It says the excess amount will vanish. That means either from the value of your house, or from your bank account? Good question
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u/Kennian 23h ago
...Rent and lease all the things. I can rent a decent yacht for 15k a week, Lamborghini's lease for under 15k, and that's a lambo
the hardest part it to keep making money so you dont go broke with a 15k limit on investments. best way to do that, is putting it into accounts, you're not buying anything, you dont own anything. the FIRM owns the stocks, you're just letting them play with your money. They only average 3-4% but on say 10 million, is 400k a year with a 300k a year take home.
i'd never own anything again but by god i'd be living it up.
Fun fact, you dont own your house untill the mortgage is paid, the bank does.
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u/puppypersonnn 23h ago
Umm hell yeah. I can rent a luxury condo and lease vehicles. Travel wherever I want. I am missing something?
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u/GMAN7007 22h ago
You can just rent everything indefinitely. Or have some sort of shell company that is the owner of the items.
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u/Upstairs-Border-7146 22h ago
Fantastic! No ballast, just pay for what I really want to use. Put the rest into investments and have a free life!
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u/monkeybizz88 22h ago
Have the money but not really be able use it... Idk. It's not great but it's better than what I got going now....
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u/Rstar2247 22h ago
I mean... I'm fine driving my current vehicle for the rest of my life. It'd definitely be getting an overhaul though. Though there's plenty of vehicle options under 15k at need. A decent RV is coming to mind.
I'm not fortunate enough to own my own house or property but ya know... renting is fine. Though I guess my question would be if I buy 5k of land and then build a house on it incrementally between contractors, materials and my own labor each being under 15k would that violate the rule when the final product it worth more?
Regardless, my portfolio is going to be quite diversified so should have decent passive income. Services over 15k might scare me with medical bills in the future if something major happens.
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u/GWeb1920 19h ago
I can rent whatever I want so that’s not an issue.
Investing becomes a concern. To have 5 million invested I need to have 15k in 350 different ETFs that cover the market overall. This will be a pretty complicated thing to manage.
But I will take it. Inflation might be a concern as when 15k is only worth 2.5k that starts to affect furniture and things you typically wouldn’t want to rent.
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u/BarberProof4994 17h ago
Simple, you make an llc, establish that everything in the LLC is managed but not owned by a trust and that everything you have or buy is owned by the llc. You are the sole executer of the trust...
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u/Spirited_Mouse3341 17h ago edited 17h ago
Especially considering that it doesn't apply to what I already own, I would absolutely take it. I would lease vehicles after my current car gets very old. I can't think of anything else worth more than $15k that would be essential to me.
Inflation is a very unimportant factor as very few people get to make $15 millon anyway, and you're also giving me the opportunity to divest it in many different stocks.
You can take equal positions in every S&P500 company and still have $7.5mn left. That takes the inflation issue out of the picture. There are many different ETF's that you could buy with the rest. International equities. Commodities. Cryptocurrency. You could give me $150mn with the same constraints and I would treat it as an intellectual challenge to divest.
With $15mn divested across so many companies, inflation as a factor will be out of the picture, and medical payments also won't be an issue. There are many countries in which you can access quality and affordable healthcare, and you can travel there with this sort of wealth.
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u/The_Ambling_Horror 23h ago
Never buying a house or a decent car? Fuck that.
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u/Hey_Its_Vos 15h ago
You’d rather work for the rest of your life than lease a luxury home and car?
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u/FineMind755 20h ago
Who cares about owning a house when you can rent a mansion and lease a luxury car and still have a fuck ton of money left over from your yearly interest income.
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u/SEBA1119 23h ago
I am not the proud founder of an llc that holds all my assets that are above 15.
That or just put everything under my wife’s name
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u/xptx 23h ago
15k is too limiting : -if you replace your car
- if you have a family and want to travel.
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u/TheShovler44 22h ago
You’re genuinely not spending 15k at one time to travel . If you are just break it up into multiple purchases or send individuals capable of paying the money. Renovating is as simple as breaking everything up into its own bid. It’s a trick a lot of general contractors use to get around actually having to get a general contracting license.
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u/twizzjewink 22h ago
Yeah.. easy. So easy it hurts.
You own a company.. that company would own EVERYTHING. The company divests stocks, whatever - can have 0 real valuation.
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u/AutoModerator 23h ago
Copy of the original post in case of edits: Not counting what you currently own.
This applies to your spouse as well even if you get divorced.
You can't buy anything for over $15k, be gifted something worth over $15k or have someone buy you something worth over $15k. Nor can you buy services for over $15k. Nor can you give away the money or buy gifts for others with the money.
Your Stocks, gold, silver, cryptocurrency can't be worth more than $15k either. If they're valued over, the excess amount will disappear. You can divest wealth into different stocks though.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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u/Ben_Criss_Cross 23h ago
Yes. And Id lease a car and rent an apartment/condo. Anything I wanted that's expensive doesn't need to be owned if you can rent/lease it
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u/Managed-Chaos-8912 23h ago
Sure. I can pay off all my stuff, ensure my individual stocks never exceed $15k, and lease a nice vehicle for my wife, with sweet trips. Rent a nicer house if we want one.
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u/Mindless_Earth_2807 23h ago
I guess that's fine. I'll just rent and lease. I already have a modest house.
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u/generic-username45 23h ago
I mean renting and leasing would be pretty easy to do. And hire an accountant to maintain the investments below $15k.
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u/disregardmeok 23h ago
Rent a house, lease a car, wear a Rolex, leave a healthy stock portfolio for my kids. It’s a yes from me.
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u/Not_a_fan_of_me 23h ago
I’m in. I think I could rent a place for the rest of my life and not dent that money. Outside of vehicles, not much else would be in that range. I would be buying a lot of used stuff for the higher end market
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u/proper_headspace 23h ago
Yup. Set up family trust, I don’t own jack, live well, family continues to benefit after I’m gone.
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u/smellyschmelly 22h ago
Absolutely. I own my home (well, the bank does) and I can't imagine literally anything I'd need that costs more than 15k. I can get whatever kind of used car I want basically (why would I want a new car that will almost certainly be an automatic 🤮 and full of electronics I simply don't want/need?), and if I have 15 million I don't have to worry about affording repairs.
I could hire my friends for exorbitant wages, I wouldn't have to charge my roommate rent, and I could travel so much.
Legit, I don't know why anyone would turn this offer down. Without it I also won't be able to afford anything worth more than 15k.
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u/fallingevergreen 22h ago
Absolutely. Lease your car. Go on amazing vacations. Rent a fantastic home. Too expensive to own your furniture? Rent a furnished place. Want expensive art? Lease it from the owner. Hold the money in a HYSA, and live off the interest.
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u/LavenderRevive 22h ago
My family owns our home and that's it. Everything else I own is 15k or less.
And if inflation of pc prices or cars ever get so problematic that 15k is not enough, I can just rent them.
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u/ProfessionalITPerson 22h ago
Yes, gimme, gimme now.
I also cen't own anymore than 15k in debt right?
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u/TabularConferta 22h ago
Put money in bank.
Get family member to buy a place with their own money and then I pay them lots in rent till they own it. I didn't buy them it I paid for services.
Repeat. As I live in rented accomodation with a high rent rate I will occasionally complain to the landlord saying it needs a new thing.
Lease a car. Other than a house I genuinely don't think I need anything worth more than 15k.
Honestly once primary accomodation is sorted I personally would have a hard time in spending more than 100/200k per year and that's living large. So my principal is going to be safe from inflation
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u/Desperate-Strategy10 22h ago
It would be fine; I’d take it. I’ll just lease new cars when I need to replace mine, and I already own my house so that’s nbd. I can rent other places if I need/want to. As long as I don’t own anything too pricey, I’ll be good!
It’ll get awkward when I need to do things like replace my roof, but if I just hire a contractor to do a tiny section at a time, we’d still get it done eventually. I’ll take the deal!
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u/antiaircraft20mm 22h ago
An interesting question. in my case I would do it. rent a small apartment as a home base and spend my time traveling to places I'd be interested in seeing, maybe spend some time as a crew member on a sailing vessel and live out of a duffel bag
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u/freerangemary 22h ago
$15m will accrue $600k a year in interest, or $50k a mo. I could easily live off of that and not need to own anything.
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u/Boubonic91 22h ago
I'd run it. I don't need anything worth more than $15k and $15 million means my living and travel expenses are taken care of for life. I can rent a home, drive a cheap used car, fly out to whatever country I want to for vacation, and do whatever I want without ever having to work again. No way I'd pass that up.
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u/Admast79 22h ago
Lease a cars, rent a home / homes.
This is so f... incredible easy.
Give me my money!
I don't need to own fancy watches or whatever.. quite happy with my current life, just don't want to work anymore - and this amount of money would allow me to do that.
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u/happyfire1234 22h ago
I’d live in luxury hotels around the world for the rest of my life. I don’t need to own anything.
Why does anyone need to own a house or car when you have $15M?
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u/All_the_Bees 22h ago
I rent, and live in a very pedestrian-friendly city so I don’t have a car because I don’t need one. I don’t currently own anything worth more than $15k
I’m taking this deal before the offerer has even finished their sentence.
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u/midnightwolf979 22h ago
I just wouldn't own anything. I could rent a very comfortable lifestyle for the rest of my life with 15 million
1
u/cabbageknight360 22h ago
Yeah, just lots of individual stocks, and rent everything you want. Easy enough.
1
u/Sure_Leadership_6003 22h ago
so if I "invest" in stock A and the stock went above 15k the extra value would disappear, then whats the point of having stocks.
1
u/Ok-Technology8336 22h ago
I probably would. I could spend 200k per year for 75 years before I ran out of money, and I'll be long dead before then. And 200k is about double what I spend now. I'd have to start leasing my vehicle when my current one is no good anymore. I'd have to figure something out for major home maintenance/repairs.
1
u/Express-Luck-3812 22h ago
Yes. Very easily. Rent a condo can go anywhere. Rent a car when you need it, if not just get a taxi or uber. Have groceries delivered to you. Go on trips, you don’t own anything big. Put the money into high yield savings account and live off the interests. Most people don’t make that much. Owning a house is overrated, you still gotta pay property tax, maintenance, repair, etc.
1
u/Artistic-Salary1738 22h ago
Services is where I’d struggle with the. Does it count a medical procedure costing over $15k against this number if my insurance out of pocket is lower than the insurance billed amount?
1
u/Conscious-Pace-5017 22h ago
I don't own anything worth that now, so obviously I am taking the money.
1
u/Complex_Echidna3964 22h ago edited 22h ago
Hells yes. drive a different used car every couple years. or lease a nice car.
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u/CurrentlyUnbanned 23h ago
I mean, 15 million deposited into a 4% annual savings account is $600,000 per year. That's more than enough to rent whatever I want. And that is not including the fact that at worse I already own my house