[LocalH]

I think being in debt is too normalized. I know there are specific financial instruments, that if one is savvy, can use to be in debt but come out ahead. But for the average person, I do not think mortgages and loans should be so widespread. Schools don't teach the upper level of financial suave, and neither do most parents who aren't already wealthy.

We should normalize buying a home and owning it outright, even if it takes more up-front capital. It's something that should have been done when housing was cheaper, if you ask me. Me and my girlfriend watch a lot of House Hunters on HGTV and almost every episode concerns someone buying a house with the expectation of mortgaging, so that they can get a house beyond their immediate means.