Did you not read what the guy put? He says that he doesn't own a computer, OR a television for that matter! I am very fortunate that I do not have to worry about finances, and I thank God everyday!!! However, I do know that just because you make XX amount of money doesn't mean that you should automatically be able to afford a certain house payment. Take in to account, student loans, hospitalizations, deaths, etc. There is numerous things that can happen to make one run across hardship. Don't just assume everyone is sitting around eating Bon Bons crying to the mortgage company!!