If this job is an OPTION....Why are you still there? Grow up and get a real job. You do not make enough to take out a mortgage. Ever notice how many people that work for ERAC are renters or have room mates? Or how many of your managers have interest only mortgages?

Here is reality. You get sick and you are in the hole at ERAC. You have no money saved since you do not make enough to be able to save.