Assume that a recently married, 25-year-old client couple approaches you wondering whether it would be best to buy or rent a home in the Portland area. They've saved up about $20,000 they could put toward a down payment. Assume they both earn $50,000 per year and have stable jobs. Their family is in the area and they suspect they'll stay long-term, although one spouse does work for an employer that typically promotes people willing to relocate to larger cities (e.g., Boston or New York), and they suspect they would consider that possibility in the next 3-5 years if the opportunity arose. Question: What advice would you give them? What additional information may be helpful to have