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Question #3: Do I need to own it?

Yes, you have to have it, but that doesn't mean it must be yours for life—and renting isn't just an option for homes, cars and fall wardrobes. Some big-ticket items, such as solar panels and power tools you only plan to use once, can be terrific values when rented instead of bought. Sharing is another option, too, especially if you live in an urban area, where all kinds of share programs are popping up lately, from bikes to to backyard vegetable gardens and nannies.