You're ice-skating uphill trying to convince someone who's perfectly happy to spend their money on their landlord's retirement that there's a better way. The giveaway here is when someone makes home maintenance sound like residential construction is made of cheese. They don't have any idea what goes into maintaining a home, don't have the skills, and don't want to learn. The first time I encountered this particular flavor of willful ignorance I was absolutely certain that I was being subjected to some kind of elaborate practical joke. It took me a solid six months to come to terms with the fact that an otherwise educated and intelligent grown-ass man would keep his family stuck in an apartment for the rest of their lives for no other reason than a comprehensive misunderstanding of the financials and time requirements of home ownership.