Thanks, PC. That actually means a lot to me.
I actually find it funny and depressing at the same time when people buy a house that forces them to scrimp and pinch for the mortgage. I'm talking knowing before you sign the paperwork that money would be tight. I can't understand why you'd do that. We intentionally bought a house where we could make all the bills on one income, just in case. The real estate agent hastened to point out we could afford twice as much according to the approved loan, and we shut her down. We still have more on the mortgage than we wanted, but we can still squeak by on one income plus unemployment.
Looking at so many of my generation, I'm worried we'll get into another Depression and people will starve just so they can keep consuming. People like NW and my youngest sister give me some hope, but I think too many have been too comfortable and forgotten what history teaches.