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Reply to "If you had ZERO debt?"
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[quote=Anonymous]If I had zero debt I would probably work less (75% time ) for a few years while DS is young. We would also probably buy a house/condo. I eventually want to be able to make improvements/changes to our living space so that it works better for us. As renters, we put up with old windows, carpet, etc. that I'd love to change. While buying a house with a mortgage is debt, you can do it in a way that minimizes risk/cost. -Buy much less than the banks tell you you can "afford" -Put at least 10% down (refinance when you hit 20% equity to get rid of PMI) -Take out no more than a 15 year mortgage (this will save you tons on interest and you will be able to get rid of PMI much more quickly [/quote]
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