Over the last decade I've noticed the word "investment" applied to anything and everything that people pay for, including insurance, expensive tools, home improvements and even vacations. Typically it seems like a marketing ploy to make people feel like they are making a smart decision by trading their money for "X".
It is beyond doubt a marketing strategy, and I also find it less than amusing.
Similarly, I hate it when a company tells you "Congratulations!" after you make a purchase. I'm sure they do that to make you feel better about your choice, but I think that secretly the only real congratulations go to the salesperson who made the sale.
I was surprised and a little taken aback at the number of people who said "congratulations!" to us each time we've purchased a home.
I don't know why taking out a mortgage for a home is reason to congratulate someone. But it seems to be the de-facto response whenever someone learns we bought (and are not renting) our home.
When you truly own your home (not sharing co-ownership with the bank) we will all say "Congratulations" to you. Because it may or may not be a rewarding financial investment, but it is an investment in so many other aspects of your lives. Right now any congratulation are just for saving up enough for a down payment. Hmm, actually that is something worth congratulating you for, you have managed to show the commitment to get that savings.
Hmm, some things are investments, in that in the long run they may make or save money. And I am firmly convinced that we need to compare apples to apples. If I garden and someone says my tomatoes cost $.xx each, my reaction is to say $.xx is the store price for ordinary tomatoes. What is the price for organic tomatoes, since my tomatoes are organic and I know exactly what was involved in their growing. Or if someone buys a freezer (an upfront cost) but over the next 10 years they save a bundle by freezing things bought on sale (i.e. produce at its peak, meat on sale, etc.) then it would be an investment. I invested in equipment for canning, because I just can't buy relish as yummy as the relish I make. I don't even care if I am saving money (I am), I care about the quality I can get by making my own.
However, coming back on topic, most congratulations seem to be for things that won't show that kind of return. Because they are fun or flashy or improve one's image, not because they are truly useful.