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Cost was THE driving force behind our decision, no real cash, no assets at the time, one job between us that was paying about $40K, I was self employed trying to get my business off the ground, I was also a courier to bring extra cash but eventually gave that away to focus on my business and...

My 2 Cents for what its worth. 14 yrs ago my now wife and I went full owner builder. The house we wanted we couldn't afford, not the exterior look and feel but everything inside, from room sizes, to his/her options to double power points everywhere and I mean everywhere, intermediate light...