I keep finding nuggets in this post that are LOL worthy.
$650k starter home at 6% for a middle aged guy with two kids? Also, who in their right mind has car payments (let alone on Toyota SUV's). If this guy was any sort of smart he would've re-financed (or financed) last summer at 2.2% on a 15 year note.
I guess some people really aren't very good with money?