In the fictitious world of "common sense" NO ONE (including you and 99.5% of all American families) would not be able prudently to buy a home since EVERY American family spends more in the year of purchase of a home than their annual income.Common Sense lived by simple, sound financial policies (don't spend more than you earn)
THE CLASS CHALLENGES YOU TO SHOW OTHERWISE. You cut-and-paste without realizing how ignorant you sound.
The more you post, the dumber you sound. Too bad that you cannot read your cut-and-paste sources critically -- probably explained by the fact that you were at the bottom of your PUBLIC high school class and couldn't gain admission to any college.