I'm sorry you believed the big lie of home ownership debt. (Just as many believed the big lie about the cost of education.) Middle class people can own their own homes free and clear. I know those who do. My husband and I, (whose combined income was less than $30K per year), plunked down cold hard cash in 2003 for our home. (Just ask how.) Even major surgery can be paid out of pocket, if you are patient, determined, and dedicated. (There is a story there, too.)
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