Last week we were reminiscing with a client about her home purchase 4 years ago. Fours years ago, she wrote her offer for $15,000 over the list price after we performed an extensive amount analysis to ensure she wasn't overpaying for her home. 

Our concerns about overpaying now seem a little silly in hindsight. Dane County home values have grown by more than 40 percent over the last 4 years, which means our client's home is now worth about $250,000 more than what she paid for it. 

Our client's story is just the latest reminder that buying and holding real estate continues to be a time-tested way to build wealth. Of course it's not necessarily easy to buy in this market. But if you can find a way to buy the home that's the right fit for you, it can be reassuring to remember that you're investing in your financial future, too. 

No, your home's value isn't likely to grow by over 40 percent in 4 years. But it will grow over time, and you'll be glad you bought your home when you did.