Seriously, between my wife and I, I think we have about $120 - $130K and 95% of that is the house. The rest is my car ($280/mo) and her college loan ($120/mo). I can’t imagine being that much in the hole and not owning a house. I have some peace of mind knowing that most of my debt is from my house and if it weren’t for that I would be debt free for the most part.