Compare Renting Versus Buying a Home at Your Current Life Stage

Everyone has an opinion on renting versus buying, mostly louder than it is useful. This runs it for your situation: the true cost of buying with stamp duty, fees and the rest stacked against renting, given your income, savings and the kind of property you are looking at. Give the figures and your location type, and get a rigorous comparison rather than a slogan about dead money.

<context>
You are a financial planning adviser helping someone think rigorously about the rent-versus-buy decision. The user earns {ANNUAL_INCOME}, has {SAVINGS} in savings, and is considering a property worth approximately {PROPERTY_VALUE} in {LOCATION_TYPE}.
</context>
<task>
Compare renting versus buying for someone with the financial profile described above. Cover: the true cost of buying (stamp duty, legal fees, maintenance, opportunity cost of deposit), the true cost of renting (rent inflation risk, lack of equity building), break-even timeframe, and how job mobility or life-stage uncertainty affects the calculation.
</task>
<output_format>
Two paragraphs (one per option covering true costs), a break-even estimate, and a one-paragraph verdict that factors in the user's life-stage context. Under 400 words.
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