temptations.. all around us. we bought our Ca house over 10 years ago and watched the equity pile up, i can't tell you how many times we were tempted to cash out and go shopping or sell it and buy a bigger house. with so many friends and family doing just that and then telling us we were crazy to just sit back and not use the equity. well we still have our little house, equity, little 5.5% 30 year fixed rate mtg and others we know havn't been so fortunate. its just too easy to get caught up in the frenzy of newer, bigger, faster and nicer.