No need to apologize. I used to post on Yahoo stock message boards. It was mostly name calling, and no information of substance. Now I use stock message board as a contrartian indicator if at all.

I think 0% down loans will fade into memory, just like SUNW trading for $85 per share.

The original poster has taken on enough liabilities.
His “big” salery of over 100 K isn’t so big when he’s supporting a deadbeat wife and two kids. That works out to $25 K per capita for his household. The wife is knocked up now, so she’s not planning on bringing in any income for at least 6 years. He’s right out of school and has aleady dug himself a hole.
The good news for him is that money doesn’t buy happyness, but it does buy houses.

PS – I don’t own, and have most of a down saved up. My families combined income is great, much higher than Mr. Advanced Degree. I’m waiting for “blood in the streets” in the housing market. – One to two years.