While I enjoy your posts, and appreciate the self defacing way you are approaching this all, dont get too carried away too fast. Remember, the whole problem everyone had in the bubble was they looked at past experience and forecast future results in lock step detail. The best thing you could do would be to find a true financial planner, one vetted by somone you trust as someone with their head on straight, and cough up a few hundred dollars. While I am often derided as a cheap A$$, that will be some of the best money you ever spent. You are talking HUNDREDS of THOUSANDS of dollars here, and your credit future for really the next decade. See an expert, let them tell you what they see in exacting detail, and then compare that to the bloggosphere and go from there. Don’t get caught doing the bubble mentality of the down swing. (THE SKY IS FALLING, Housing is going back to the stoneage, were all F’ed!)
