My guess is that the OP, 22 years old, is looking for rationalization for NOT going to college.

You see, I thought I was speaking to a rational human being. 

I just finished Dream Big which is more about the mentality of good managers but it has a lot of great rational behind it.

I use a mortgage broker who has been great thus far but now he is telling me my debt to income ration won't allow me to borrow anymore at this time.  

Most newer property, single house/plex/condo, are at about 0.5 ration, so essentially it is barely break even, or you may end up paying out of your pocket for $100 a month.

However gain is not so your house that you've owned a long time still would be a good candidate because you will have a good ration of qualified/non qualified time but a ton of gain pre 2009 to benefit from.

So are many top fund managers, put aside a % into CD getting 1.5-2% return, gold etc those did followed the rational came out better than those in equity.

A couple of years later, she has come out of said bind and that home is now a great-performing rental, though we intended for that home to be hers permanently.I always find your posts and advice extremely professional, rational and business-savvy, and now you are a true legend in my eyes with what you did for your mother.

RUBS (Rational Utility Billing)-- I'm not sure it is legal everywhere though.

The spreads to make that an economically rational decision haven't been there for a long time.