I don't have the intention to build a big or luxurious house. Neither do I plan to invest in building houses and collect rents from occupants. All I want is a modest house where I can live quietly with my family without the pressures of paying rent. At retirement age, it will be difficult to afford a good home if you don't own one.
The reason why some people avoid building houses I because of maintenance and taxes. But if you build a house that is easy to maintain because you focus on durability and not pleasure, you will spend less. In some countries, there is nothing like property tax, so it is better to own a house.
This is a common mistake some people make, thinking that building a house to achieve a comfortable life requires a large and luxurious house. I'm simply saying that I want to build a house to live a much more comfortable life, and that means adjusting to my financial means. Maintenance costs are necessary because we as owners must ensure everything so that our families can live more comfortably, but in my area, houses don't pay taxes because they are built on their own land.
All houses are easy to maintain if they aren't too large, and we can also achieve luxury when building a simple and small house. Luxury is not always valued because the house is big because a small house that is well-arranged and kept clean will also look more comfortable.