I don't have my notes or the exact numbers anymore. It sounds like we might have been doing a very different calculation. For me, I didn't consider property value growth at all. That all just sort of went into a bucket labeled, "Equity I have invested in some asset; regardless of whether it went into a house or into T-bills or ICOs, for my purposes none of it counts as money I spent."

From there I just looked at the money I would never see again - interest, taxes, maintenance, fees, assessments (if a condo), etc.