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My level is that whereas the lifestyles of the two house owners are pretty comparable (most homeowners in Sarah’s position most likely take out one other $100,000 to $a hundred and fifty,000 greater than Phil), the amount of capital every has out there to speculate both within the business or outdoors of the business (in private investments) differs drastically. We had hardly any cash saved up and we maxed out our credit cards for this journey.