When I was in secondary, I started to dream of this and this:   I saw other people have it, thus I also want it - My older brother and sister and other friends own the thing in first picture. (wait did I say owned it? Technically it should be own it with loans.) When I first graduated from university, I still dream of the above. I want to work hard to earn and own it. I saw many of my friends own the thing in the first picture. But what puzzle me is how did they manage to own it? where did they get so much $$$ to buy it in the first place? (At time time, I was noob. I did not know that they owned it with debt that kills a large portion of their pay.)  Nevertheless, that time I was jealous and hope that one ......