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We wouldn't have known where to begin or the process of how to get it all started - that's what's scary, trying to do it all on your own. Doing it through our super we weren't risking our own home. We can still live how we are now and put our kids through school without having to spend any of our wages. Everybody says you have to put a 1/3 of your wages in and we're not having to do that and yet our super's still working harder for us, so I just think why doesn't everybody do it.