Niall Ferguson's book, The Ascent of Money: A Financial History of the World, discusses the concept of preparing for an unpredictable future through financial means. One of the simplest methods highlighted is investing in real estate, often using leverage, which involves borrowing money to finance the purchase of a property. This approach allows individuals to secure their financial future while managing risk through the asset of a home.

In today’s economy, where uncertainties abound, leveraging real estate investments can provide stability. By committing to a house, individuals not only create a place to live but also an asset that may appreciate over time, serving as a financial buffer against unforeseen challenges. This investment strategy stresses the importance of making informed financial decisions to safeguard one's future and wealth.