Discussion: Homeownership is often thought of as the "American Dream". Discuss this with your classmates: Discussion Home ownership is a huge expense. Is it realistic for you? What are your thoughts as you researched the answer for your assignment's response concerning fixed rate or adjustable-rate mortgage loan. Do the thoughts of insurance, maintenance, liability make you want to retreat to a nice safe condo or to rent a nice apartment or even a home? What about that first car? Do you actually need a new car that you can't afford or do you just want one? Lots to discuss.