Unless I’m missing something, the only way you make money is if the inflation rate exceeds the interest rate on your mortgage. A 50-year mortgage is not going to have a good interest rate. Also, it is unlikely that your wage is going to match inflation (although it will increase so e due to inflation and maybe if you build a career you’ll have a higher paid job ofc, but that isn’t directly relevant to the post). The only way this makes sense is if there’s a few years of massive massive inflation that beats your 50yr mortgage’s rate, and I you have enough stonks to generate a useful return so you can pay down your loan balance for the inflation kicks in. I suppose you could also refinance at that point as well to a shorter term.

It’s not “120 IQ” it’s the usual financial gaming/hedging/shorting and carries a fair amount of risk. I don’t have much of any faith in the US/western real economy, but I also know “the house always wins”.

The more conservative move (so you don’t have to fret about finances) is:

• Have a lot of money (of course)
• put the money in your retirement stonks (mutual fund etc) targeting a ~5% return and just let it ride
• take a mortgage on a reasonably priced home at the lowest interest rate you can afford
• short terms (15 years) = lower rates (key being that it’s below the 5%) = free money cause your stonks go up faster than your mortgage interest
• if inflation kicks in, you can pay off the debt earlier cause your stonks will go up faster

If you pay it off early?

• use excess funds to fund socialist activities or whatever
• move to a nicer home that you can reasonably afford with equity in your old home, higher wages than when you were younger, and take another low interest short term mortgage