My first mortgage was 18%, and it was a crazy negative amortization loan. I bought right before there was a big dump in the housing market. I didn't break even on that condo. Ever. I dumped it when I got married. I bought a house with my wife in 2007, right before the great financial crisis. I was lucky to hang on to it, but a lot of my friends weren't. This whole conversation reminds me of how I feel about bitcoin. I wish I bought it in 2012. When you zoom out the graph is straight up to the right. When you're living it the year to year ups and downs aren't so easy to navigate.