Is there really a need to knock a young couple having a go? Hey Passive, send my best wishes to them. Tilerman, not all of us are raised with the silver spoon mate. The person that built your house mite take few more years to pay their own off,but if thats the best way they know how to build wealth,whats wrong with that? Not to mention that the demand for tradesmen will most probably outlast the demand for whatever it is you do for your multi national company.