correct, bought a very small house, cleaned it up took the "monthly payments" put that in savings 5 years later moved up etc. I have a very small house in a cheap neighborhood. my starter home was a CHEAP one bedroom/one Bath home. Seems today everyone starter home is 4 bedroom/3 bath 300K home. I guess just a difference of generations. It seems debt is accepted now. I grew up with parents that did have a mortgage, but they paid it off as quickly as possible and never borrowed money. It just stuck with me.