Rent vs Buy

US K-12 CTE personal-finance simulation: a 23-year-old in Boise weighs a $300 room, a $1,200 studio, and a $250k FHA-financed starter home across four rounds — horizon, lease math, mortgage math (DTI gate, FHA vs conventional, 30-yr vs 15-yr), and the 5-year showdown. Surfaces the down-payment-vs-Roth-IRA opportunity cost, the 4–7 year breakeven rule, and the behavioral discipline of actually investing the difference.