Especially, if there is no area to sleep.  

I eat, drink, and sleep thinking of all the little things that need to be done.  

For the past few months I have been doing nothing but listening to Bigger Pockets podcast while in my car, at the gym, while doing dishes, making dinner, or falling to sleep.

You need to sleep there.

I like sound sleep at night.And it is so easy to use, you download a small software, and it is used just like a normal folder in your computer.

There are a number of reasons to use leverage, and still many of us sleep better at night with less debt.  

Sleep on it and read it again.

I would save it all until I could sleep at night knowing I have enough money in the bank to cover the worst case scenario.According to a common "formula" used on BP (50%), you would divide the 1,400 in half to get your expected non-financing expenses (everything but P&I).

At that time my nephew was sleeping, and the sander is, of course, loud.

I'd have more sympathy for the 'morality' angle if it was being pushed by someone who doesn't have a vested interest in getting their monthly payments.I don't recall howls of anguish from lenders when 'no-doc' loans were all the rage, and I don't believe they were loosing sleep over borrowers who wouldn't be able to pay their ARM loans when they reset in the future.Contracts were signed, they invoked the contract to get the collateral on the loan.