I will share this with you. At one point in my life, I never thought I would own a home. This mindset continued up until my late 30s. I guess I wasn't ready to take on such a responsibility.

But, I grew tired of paying so much in taxes and not getting anything to show for it, so I made some changes. I new understand the importance of having good credit or attempting to improve on my credit. I understand the need to prepare for retirement as well as a things such as death, illness, etc. I don't want to leave this earth not having shit to show for it, plus I make too much money not to own anything.

I will take your advice and make it a pleasant place to live for myself. :-)