when you buy property, arent you always buying at the top of the market?
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Depends on the property and how desperate they are to sell fast. But technically when you are buying anything you are buying at the top, right?
Measured in Fiat, that's usually the case IMO. There can be exceptions of course.
As a general rule of thumb, fiat usually halves every 7 years. So after 15 years your "debt" should be halved.