I was working out at the gym today and heard a lady that looked to be in her 40's say she worked at a doctor's office and held down two other jobs and it still wasn't enough for her to get by.

I probably can't relate to the natural childbirth analogy =), though my wife did have a natural childbirth as well as unintended home delivery since the doctors sent us home twice (that's probably a story for a different forum). 

Doctor LawyerBankerPresidentEtc.Then when we grow up, we realize that in order to be all the above we need to have a plan.

Doctors offices tend to have lots of parking needed and usually at the same time of the day.

Sometimes I would say I had a doctors appointment in order to come in late to make a closing. 

In those cities, the doctors and lawyers may live in houses that are quite nice and cost $150 to $300k while the non-workers and minimum wage earners may live in houses ranging from $12 to $25k. 

These buyers are doctors, lawyers, CPA and business professionals who usually look to a realtor to find properties.

There have been many cases where a borrower and broker being in cahoots doctoring documents.

Take for example a doctor who is employed at a hospital, high income on a W-2 basis.

I'd see if they are under a doctor's care and require medication which might help everyone, if someone is willing to befriend them and hold hands.