We both have health insurance and both of our out of pocket maximums in health savings accounts as well as one years expenses in liquid assets not to mention ou

We both have health insurance and both of our out of pocket maximums in health savings accounts as well as one years expenses in liquid assets not to mention our retirement accounts. We also both have short and long term disability though our jobs. If both of us became ill there is a possible scenario that we have to sell the house, yes but we prefer to have the oppuntinity to own a home as opposed to renting a apartment with slightly less risk. It isn't a big home, it is extremely modest and costs less than an apartment in our area. Our mortgage is our only debt. We got here by saving together and living in a one room apartment for 5 years. We don't have new cars or iPhones and we go out to eat about once a year (that we pay for her mother offers to take us out from time to time). I just upgraded my 30 inch CRT TV to a 50 inch 4K after a decade of loyal service. Its not for everyone but its certainly not impossible. I make about 43k a year pretax and she makes 37k for reference. Median income nationally is 55k or so and about 75k in my county so I suspect a great many people have the opportunity to do just as we have done.