I have a confession to make.  I live and work in New York City, but unless I get a major upgrade in pay, I don’t ever expect to own a home here.  Why?  Home prices are crazy here, but even worse than that, I think that 30 year mortgages are for suckers, and that’s the only way that I could ever be able to afford mortgage payments.  Before you get all upset with me for talking down to you about your own mortgage situation, hear me out. […]