Every single time I'm in any grocery store, walking the street, or anywhere in a posh neighborhood, esp. the Bay Area, I think: * "Golly, gosh, gee, how do these people afford these wonderful homes?"* "What do I have ...

Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...