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Well, I think the buying a home one is the biggest one I see TWI induced trauma over. You think about it - most people will do that when they get their career or trade started in their 20's, or when they get married and settle down. So as you are kind of getting at, the experience from that time to now puts people behind when they leave TWI. Buying a home is hard enough. There are so many variables. Place, cost, location, age, etc. And with the economy recently, people have bought homes and then found the value 50% underwater after only a few years in areas. And many of those things are impossible to foresee. Add onto that people having fear from years of teaching how having a mortgage is wrong, evil, opens your life up to the adversary, etc. and you have a person that should be going into a financial transaction with a sound logical mindset now approaching it with more of a superstitious mindset waiting for the other shoe to drop. All that spells problem. I think the more people react extremely and just reject 100% of TWI's teachings, the easier it will be for them to make sound logical decisions. Of course none of us are there, but at least that attitude will help root out all the BS implanted in our brains over years.