I must say I am thoroughly impressed by your patience. You're repeatedly explaining what seems to me like a pretty simple calculation to lots of different peopl

I must say I am thoroughly impressed by your patience. You're repeatedly explaining what seems to me like a pretty simple calculation to lots of different people who only gets it after a lengthy explanation. It's a first-world problem, but as you say, it's still a problem. Unless you're okay with taking the loss, or just moving somewhere far away because the market decided that this area has now become too expensive to allow existing homeowners to downsize.