Me too and I agree.
Outside of the house and an occasional car payment, we managed to pull it off with no debt and it was hard, but life is meant to be difficult.
My wife was reading me something from Ramsey today about mortgages. He says 15 year at 25% take home income max. That would put us in a home in a neighborhood where we would not be safe.
We live in a small house in a stable neighborhood. But, we can afford our house payment so that’s where we will stay.
I agree with Dave on a lot of money matters home buying isn’t one of them.
I was doing Ramsey before there was Ramsey.