Ndubuisi Egwim argues stress is a hidden cost of property investing that spreadsheets miss. Tenant problems, surprise repairs, interest rate changes, and tax shifts like Section 24 can dominate your thoughts and damage family time. When the mental burden outweighs the returns, the investment isn't worth it.
Bayo worked for his investment. He worked for his property while Gloria's investment worked for her. Okay. 2 different things. 2 different things. Now, this is remove the emotions, remove the emotions and just look at it logically. Okay. Now, S in the REST framework is stress. Okay. Stress is the hidden cost that no spreadsheet can capture, but it's very real. Ask yourself honestly, how would you feel if a tenant stops overpaying or if a repair bill arrives at the worst moment? Maybe you need to fix the roof or the boiler. Or if interest rates spike and the yield collapses, okay, how would that make you feel? Or if a rule change like Section 24, which was like a monumental change, rewrites the economics of your property that you bought years ago. Okay, so how would that make you feel? Again, if an investment occupies your thoughts on the night shift, if it steals from family time, if it amplifies your anxiety, an anxiety that a medical career already brings for some, That price is too high. Some returns are simply not worth the mental load.
