system
A chat on subreddit /r/wallstreetbets
human
Upstate NY, forclosure on a house in an exclusive suburb, all properties big and built in he 1950's, used cash to buy down points so rate is less than 2%, already cleared almost 10% off principle in three years. My taxes are more than my mortgage though. Fuckin NY.

gpt
Property and school tax run us over $70k p/yr. Reason why the suburbs are exclusive.