The facts.

Dear Dr. John,

Life is good. Life is good when you have money. This is not completely true to many. Although, when you do have money life can be exciting. You can walk down to the local pub and get yourself a beer. Buy a fancy telephone to ring up your nearest neighbors. Or if you fancy yourself a nice greasy burger you can buy a bunch of those too. Heck, you could even buy yourself a nice pair of stylish pants to wear out on a night out. But, like I say life can be fun without money. It's when you build up debt for all the fun things you bought or did which creates sad panda faces. And when you realize that you want to actually use your money for something worth while, say a nice house to start your family in...we think back to the days we used our credit cards for that In N Out burger or the trip to the Shell station and bought dip. So don't try to put it on someone's shoulders (say ME) that if they had a better paying job, they save up and buy a house. Example, my job isn't the most important thing on the planet, but it does have some importance. Expecting someone to find a better paying job in this market is a fist fight effort. We can look at the past and think if we could "do it over again" to fix the present, but we can't dwell on the past. Move forward. No punt intended since you drive a Toyota, but let's just focus on the important stuff - now and the future. Sure, buying a house would be nice and who wouldn't want to say they own that house (unless it's nasty looking), but don't make someone feel bad that their job isn't paying enough to help support a better lifestyle.