get around. but the flip it is about finding a your place in the world and growing up. dick and jane smith met shortly after they moved to the cities. sparks flew. declarations of love or had. rings were exchanged, and vows to follow. and then they begin to search for a home of their own. though he didn t have a college degree, he had recently found work in a high-tech industry. it promised a new age of technology for everyone. the initial public offering a few years back had been the most successful in american history. dick and jane, like the rest of the country, or caught up in petty optimism of this moment, which was called a new era. they have a lot of love, he didn t have so much cash. and so the smiths went to their local bank to see if they could get a mortgage. after a few calculations, the mortgage officer informed them that what they earn they couldn t get enough to buy a house. if they got an amortized mortgage to pay back the interest and principal every mont