I own a house because my wife and I got lucky with a first time homeowners loan on our first house which blew up in value over two years and we sold it to get a lot of money
then got a loan through Navy Federal because my parents were in the military which qualified me for an account, and that mortgage was 0% down so we got to keep all the money from selling our first house
then I got lucky investing in a penny stock
before selling that first house my wife and I rarely had more than $500 in the bank and less than $5000 in credit card debt
