In business school, I learned how to do a SWOT analysis.SWOT = Strentghs, Weaknesses, Opportunities, ThreatsBy figuring out what I was good at doing (STRENGTHS), not good at doing (WEAKNESSES), and what was coming my way that could potential help me (OPPORTUNITIES) and potentially hurt me (THREATS), I was able to come up with a set of goals and a plan for how I was going to achieve them.My plan is written in a word processing program rather than carved in stone because I review and update my plan as the need arises.The CEO of your bank is doing this at the bank level, but there is nothing to stop you from doing a similar thing at your household level.

I thinking about using the brrr strategy using group economics in my household.

@Masa Asao   one of those in tank chlorine tablets might help.   

As I have observed and experienced, it's the underlying politics and economics of this city that make the current positioning and future trajectory of Indianapolis so strongIndianapolis is showing 40% better GDP over the last decade; remarkably low unemployment; surge in tech; and our median household income (+21%) is improving at nearly double national average rate (+12%).There has been $15B come into this city over the last five years.

Ashley Sommer In my experience, the lender places more weight on your total household income as well as your longevity with your employer.

The CA version appears to require a licensed mortgage originator on all loans, including seller financing, to owner occupants (personal/family/household loan) but does not require a LMO to create seller financing to an investor buyer (commercial loan).

As to whether or not I think someone making $380,000 a year "should shoulder the burden of carrying others via this tax system," that is a much touchier subject and it would be impossible to avoid politics.At first glance that amount seems like a lot, but then I look at data that shows there are over 145,000 households that bring in $1,500,000+ a year (top 0.1% of households).

Does anyone believe that it is possible that housing prices may take a hit if household income can't keep pace with rising housing costs in those areas?

i see many financially independent and wealthy households in atlanta move to florida particularly in the tampa bay area in west coast florida.

Median household income is $172K.