The last two posters are right, I am coming across badly. Sorry. I shouldn’t blame anyone but myself, or at least my ignorance 6 years ago!

Maybe it isn’t the “right” thing to do morally, at least that is what a lot of folks want us to feel. It’s now a financial reason for me. I’m not a morally bankrupt person, just one of those that fell underwater enough to make a hard decision. That study about how people react at certain break points is so true! FYI, we are far from pulling the trigger here.

Plan will be to save as much as possible for a huge downpayment on a house only when the time is right. Had I been reading this site 6 years ago, I would probably still be renting and saving. Oh well. And to the OP, I’m still not looking for pity, or “pitty” as you put it. 🙂