Orrrr you could do what normal people do and set up your direct deposit to put a certain percentage into a savings account. Taking on a mortgage because you don

Orrrr you could do what normal people do and set up your direct deposit to put a certain percentage into a savings account. Taking on a mortgage because you don't have self-control sounds disastrous. Also, what happens when you need to dip into this "savings account"? Refinance your house?