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.

On the other hand, Saying a primary residence is not an investment is like saying sleeping pills aren't harmful; it all depends on how you use it, if that's the right type for you, where do you buy it etc.

You should be able to be woken out of the dead of sleep and complete a Proforma Statement in under two minutes, calculate IRR, Cash-on-Cash, Valuation and know the difference between a Net Lease, Double Net Lease and Triple Net Lease.

This was something of a nightmare, and lead to me sleeping on a cot, wearing shoes indoors and basically burning candles 24/7 for the first month.