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Also remember to do your research. There's lots of programs to help you get a down payment for a first home that can significantly reduce the risk of buying a property, but there's also the risk of wherever you buy. I've seen people buy houses and then they've got five figure a year land taxes. You just need to know ahead of time so you can plan accordingly.

With a relatively inexpensive property and low land taxes and reasonable utilities, you suddenly don't need a god tier job to have a comfortable and happy life.
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It's not easy, she has to make that one dollar at a time.

Off-hand, can you even get a 5% car loan right now? We're on the borderline of not being able to get a mortgage that low...