I'm closing next week in SF on my first ever home purchase (after renting for 10 years here, and 6 years prior elsewhere in the Bay Area). Sure, I would like for it to be worth more (outpacing inflation) in 10, 20, or 30 years. But I am not buying a lifestyle, or a guarantee of value increase, or a neighborhood frozen in time at this point forever. I'm buying some floors, walls, and ceilings. I'm buying into a community that I know needs to grow and change if it's to survive and flourish.