Rent a modest place for a reasonable price, save your money, and continue to read Garth’s blogs.

In addition, after you read Garth’s books, also read the book “Boom, Bust and Echo” to understand demographics and how they will change the face of the economy regardless of what happens with financial markets.

Then, you will understand how your patience will pay off in several more years (3 years is not quite long enough) and you will be able to pay CASH out of your savings for your nice house of choice (what’s a mortgage ?…never had one) and your five star motorhome of choice (used car lots will be full of them) and probably even a nice little cottage somewhere, all at well below current market value. This will probably leave you a little bit of remaining liquidity, if you continue your current plan of saving and continue to add to your savings until the other shoe has finished dropping and the dust has settled so that you can see clearly.

You have a once-in-a-lifetime opportunity that most people will never get. You will have huge liquidity in a time when everyone and everything is insolvent. In other words (so George W. Bush types can understand), you will have all the gold, in a time when nobody else has any. Doesn’t that make you King of something ?

So, don’t blow your excellent performance thus far, by laying the whole egg on a crap shoot. The odds are stacked against you, and the HOUSE always wins.

You are young newlyweds, so hunker down and take the new wife to bed and stay there for the next 5 years or so. You have to get all you can before she gets older and gets tired of that stuff, at which point, you can then entertain yourself by buying all the things that nobody else can afford anymore, making everything a fire sale.

At this point in time in your life, the wife will have kicked you out of bed and you will have copious amounts of time to enjoy and maintain your newly acquired auction items, as well as stewing over whether you should bother continuing to work or if your remaining liquidity will carry you through from mid-30′s to retirement.

I wish I had your opportunity, and I know exactly what I would do with it if I could take it from you.

Good luck, grasshopper. Do the right thing, and don’t be fooled.