[EVO X]

I read an article the other day that suggested the middle class on whole was living 10% beyond their means leading up to the housing crash. They used the home as an ATM machine to offset stagnant wages after the last recession.

[joe fonebone]

Bingo..... I have relatives that did exactly what I described in my first post, along with friend and aquantances that lost it all.... but none of them will admit any type of fault.... now to be fair, some did get caught with their pants down, but for the most part, it was a large percentage living beyond their means...