I suppose you could ask ChatGPT or another AI how to calculate Volatility Decay and it would give you a pretty good answer that you can compare against the fixed interest rate of the mortgage. A lazy way to calculate volatility decay might be to add the returns of TQQQ and SQQQ together, divide by 2 then subtract that against QQQ and then subtract out the dividends.

But that doesn’t take into account how RE is providing you with shelter and additional SQ footage. If your total mortgage, insurance and taxes are less than renting, which is the case with mine, then there is pretty much no way to be at a loss with real estate. There’s pretty much only upside then over any 3-5 year period.