Owning a home is a keystone of wealth - both financial affluence and emotional security.
America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.
It's easy to underestimate the real cost of home ownership.
Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.
Many people are dreaming. Let me rent. Let me have a job. Let me work until I'm 70. That's not what the American Dream used to be. It used to be, let me own a home. Let me retire at 59 and a half or 65 at the latest. Let me do this. And now, really, given what's happened, good luck with anything happening unless you do it yourself.
I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.
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