Sheesh. How hard can it be to figure out? If you can't afford a $500K home, DON'T BUY IT. If you can't afford a $250K home, DON'T BUY IT. If you can't afford a $150K home, and can't find anything cheaper, then keep renting instead--and thank the Lord that you at least have a place to live (and can move with relatively little hassle, should the need arise).
Remember: "What is property unto me, saith the Lord?" (D&C 117:4)
Way back when my bishop was telling me that I needed to get with it and buy a house (the responsible thing to do), I told him that I couldn't afford it, and went my way. (When you're trying to get by on $35,000 a year with three special needs kids, the last thing you want to deal with is a mortgage.)
No matter what society, the banks, the government, or even the Church says, I know what I can afford, and the responsibility is mine--nobody else's. Same goes for anybody else who buys a home they can't afford.
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