'07 - '09 were the first two (academic) years in medical school.

Choose for yourself and avoid listening to the voices of naysayers who haven't even explored the opportunity. 

Yet they DO believe it’s ok to willingly sign a 30-40 year mortgage and pay $100s of Thousands of dollars in interest for 30-40 years merely because its commonplace and the because the mortgage community has the loudest voice.

The academic answer:You can calculate your yearly return on equity as: Return on Equity = Cash Flow after PITI + Principal Paydown + Appreciation / Total Equityand theoretically, as long as your negative cash flow is smaller than that number (maybe minus appreciation if you don't want to be exposed to market shifts), you're actually making a positive return on investment yearly.The practical answer is to only accept negative cashflow when that amount doesn't directly impact your wellbeing and quality of life.

Now if you are seeing that almost everyone has a college degree except for a few outliers whose actions did not follow any particular course you can duplicate than its time to drop the lesser goal for the greater goal, suck it up, go to college and establish yourself in every meaningful way that will get you to where you want to be.My personal advice is just one of many voices but I'll give it.

His voice in the back of my head...

I am the voice of reason and also the dreamer.

Multiple calls and voice mails and multiple emails- Nothing back.

A “head of the household” is better than having three or four different voices bringing complaints or requests.

Keep in mind also that sound from your voice can also transfer through the floor connection at the base of your walls.