If you paid your mortgage off, it means you probably did not manage your funds efficiently over the years. ... It's as if you had 500,000 dollar bills stuffed in your mattress.

When mortgage interest rates first began to rise from record lows, it appears some buyers jumped into the market to take advantage of good affordability conditions before interest rates moved even higher,

They have a limited budget and have to manage funds very carefully.

would probably not pass math.

I think it's probably iffy, but in my mind that means we're on the bubble if not toward the bottom of it. I would like to think we're one of the top 128 teams in the country, but it depends on the results of this weekend.

It's very pleasant, not overly difficult, ... There's going to be a birdie fest. And that's probably not a bad way to have it.