Owning a home is a keystone of wealth - both financial affluence and emotional security.

Orman frames homeownership as more than a lifestyle choice: it is a foundational asset (“keystone”) in a household’s balance sheet and in a person’s sense of stability. Financially, a primary residence can function as forced saving through mortgage amortization and potential appreciation, and it may provide leverage for future goals—though it also brings costs and risk. Emotionally, the quote highlights the psychological value of permanence, control over one’s living space, and protection from rent volatility. The pairing of “affluence” with “security” reflects Orman’s broader personal-finance message that wealth is not only about accumulation but also about resilience and peace of mind.