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That's my much younger sister. She had to have the house of her dreams a few years ago and now she is probably underwater by...$200k. I'm really tired of worrying about people who have behaved like children when it comes to fiscal responsibility.You DO NOT have to have everything right now. Try saving for something, it is much more satisfying to pay in cash. Perhaps that's the problem, people need to keep buying crap...it's too easy.GROW UP PEOPLE.