Here's the point, were not making purchases wisely and thinking for the long haul. Are we stuck on the right know? I would have to answer yes. There are people in the world that still don’t understand the meaning of the word 401K. The question is why? People say “ooh money isn't that important" or “I just don't have enough" or "I’m comfortable"
I believe this current state of economy leaves room for negotiation. We need to be smarter negotiators whether at buying a home or buying anything. I think it’s time that we drop the habits and tendencies that landed us here in the beginning i.e. over spending and being uneducated on laws that effect us financially. Let’s drop all of those habits and start new “start fresh”, start educating our children before they go to college and tell them the true meaning of the word debt and how they can AVOID it so they don’t have to suffer. If your currently in debt find a way to get out. Whether that means picking up a extra job regardless of the income your that much closer to a peace of mind. Let’s come back into the financial world for the first time.