"If you're living hand-to-mouth, and still buying into the con that the big threats to America are socialized medicine, Mexican immigrants and tax increases, then you're not being kept down by the rich. You're being kept down by you."

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In the wake of the housing debacle in California, more people are buying less expensive homes, making bigger down payments, and staying away from 'creative' and risky financing. It is amazing how fast people learn when they are not insulated from the consequences of their decisions.

— Thomas Sowell