Name:	Breckenridge
D.O.B.:	12/31/1971
Gender:	Male
City:	Breckenridge
State:	CO
Country:	United States
Relationship:	Married

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It's a big number outside of your reckoning, but that is irrelevant. Let's say one had long term sufficient income, say $200k, and a lifetime of built up reserves sufficient for a down payment to buy a $900k house (the going rate in their city) with 20% down ($180k) and easily make payments. Then, unexpectedly, that 50 year old loses his/her job at the same time that both the employment and Breckenridge real estate housing markets have tanked, meaning this stable, productive person can't sell the house in order to move, and without moving he/she can't get Breckenridge real estate job that is adequate to cover the payments. He/she has already lost their $180k investment and is now running through their remaining net worth to keep making payments trying to ride the storm until at least, if nothing else. Source real estate Government

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