I couldn’t even focus on most of your points without first asking — how does one obtain a mortgage when neither you or your wife had jobs? My husband and I (both under 30 years old) have a mortgage and this house required a down payment of tens of thousands of dollars — which required gainful employment to obtain.

If somebody is financially supporting you, even paying your car insurance, phone bill, whatever, I feel it’s a presumptuous spot to offer life & financial advice from.