I was looking at pretty houses on line and thinking about all the add ons that come with a house. One in particular that caught my eye was right by a river. Now, I know the river is almost always dry except for about every 100 years when the reservoirs up stream get full and water has to be released so that the dams don’t break. That of course means that the pretty house I was looking at would flood which means I’d have to buy flood insurance (the disability insurance of the real estate world). And that would be on top of the mortgage insurance (because even though I’ve never made a late payment on anything I also can’t seem to save huge chunks of money and therefore have to have mortgage insurance) and home owners’s insurance and who even know what other kind of junk I’d have to put on top of that.

Suddenly that pretty house is looking like a HUGE money pit.