And the kicker is that I'm not even using my degrees.I'm a SAHM, but I'm also a biz owner... first an incorporated biz related to the job I had before I had kids and now I'm a high-end custom baby/children's photographer.

I have found that starting off by wholesaling or flipping contracts is a good way to get started..need to take baby steps.

Some individuals are having a difficult time.During the real estate boom there were still people not doing so well.This is because they made bad decisions and are suffering the consequences of living too high on the hog during the boom.This is the kind of economy that will create many millionaires, take advantage of this time because there is plenty of money to go around.This is just a natural thing in the economy.It is called a correction in the stock market.If you believe the doom and gloom of the media your doomed anyway.Our economy is the strongest in the world period.The question I have Is there food on your table a roof over your heads and cloths on your back.Hmmmm I guess your not so bad off.You just have to give up a couple of luxuries.Maybe you can;t afford that new model of 10,000 inch plasma screen TV oh well.If you have the neccesities and your family there is nothing to complain about.My wife is filipina and i have been to the philippines.

I am 31 years old and have wife and a baby boy.

In this current climate, I'd probably stick to commercial that's anchored by products people will always need - food, clothing, shelter, insurance and alcohol.

I have found that starting off by wholesaling or flipping contracts is a good way to get started..need to take baby steps.

Btw, my friend is selling the property because he's having a baby in a month and he recently closed down his business.

Maybe the fact that I was in my work clothes and all sweaty.

Speak with whomever is in charge of lending (usually a VP).Go meet your banker in your finest clothing (you're a business man, dress like one) and put together all your financial statements.

Did that study say if that gap was because women are paid less for the same job, or because a woman's career is interrupted by time off for family reasons / after having a baby?