I agree with comfortable bed, sheets, pillows, big screen TV with anchored down sound bar, Keurig coffee with Peets coffee pods, provide a book with local restaurants, tours, things to do etc.  

You will find resources here from blogs to pod casts and forums.

I'm worried that short sales and the few loan mods that are occurring are going to come to a dead standstill until the banks know whether or not they will get more from Uncle Sam than negotiating with homeowners & buyers.

I told them that the ability to save and invest is more powerful than the next vehicle mod, vacation, etc. 

I have learned through pod casts and here on BP that that is not the case. dealing with the wrong lender who knows far less than they claim to. 

This is America and people like to spend money, that's why the I-Phone and I Pod and whatever else Apple comes out with sells like crazy.

If it's too big downsize.If the interest rate is too high and you have equity refi.Sell the house you live in now and move into something smaller with less of a mortgage.Try to do a loan mod on the house you are living in now.You don't have to miss payments just document a hardship.

My current gross income is about $70k per year.I decided after reading Rich Dad Poor Dad....I know it gets mentioned a lot around here...lolI knew I needed to take control of my finances.So After listening to all 109 pod casts, some several times, and reading/listening to audio books I decided to start a Real Estate investment Co.I like the idea of passive income from a buy and hold strategy.I have $25k in cash from a HELOC and about $10k in credit cards that are all paid off.My goal is to be able to stop driving in 10 years and manage my properties.My immediate goal for this year is to purchase my first multi family and have it rented by years end.I really like the Charlotte NC area since you can get so much more for your money.I currently live 30 miles NE of Philadelphia Pa and prices are a bit high around here.Brandon has said several times that you should be able to find something affordable within a two hour drive from any market.I guess what I am looking for is some feed back, as to, weather or not my 10 year goal is to lofty, and also, what should my next move be?

An attorney can argue and try to get any deficiency amount reduced.Have you thought about getting a loan mod on the property??

If I understand this second part correctly... a Loan Mod???