College boy?

Not me.

How about a little backstory first, shall we? I graduated high school a semester early with a wife and a 3 month old son waiting for me to get a real job, which I did. Lived with the in-laws for a few years too, trying to save up the cash and work my way up the job ladder so I could get a loan. The joke on me was that since I didn't want to waste any money on other debts, I had a zero credit rating. Anyways, the long and the short of it is that I did purchase a home, then purchased another one last year which is where I am currently living. It's a better home than my first one, with better neighbors by far (I see more of my neighbor's yellow lab Sam and local horses in my yard than I do people).