Owning a home and paying on a 30-year mortgage is overrated in today's economy in most urban areas (The concrete jungle). Most Americans and other societies in other parts of the world are blinded by the truth; too much Government regulation and control, too much corporate greed, and less time to build a strong family! The American Dream as I see it in 2017, is not what you leave in or how much you make, and/or what kind of car you have, but to live free and independent without Government Regulation/Support and build a strong loving family. Our system today, is designed for failure; this article points one area, where it is failing us as Americans; sad but true!