My house is
the building on my garden plot, so I live in it. I don't think of it as an asset, because I don't think I can ever expect to sell it and downsize for cash out. It costs less than a studio apartment, even when taking taxes into consideration. It is not a liability because I do not put much into it, really. I'm okay to live with it as is and will never do major remodeling of my 1910er. Oh there is another building on my garden plot. It was a large, two car, separate garage, but it was taking up too much garden space so I demolished part of it and put a large grape arbor in its place. Now it is a small two car garage which stores computers stuff and garden tools. These pesky buildings!
