Our story all started with $10,000 dollars nearly 18 years ago. Henry and I had gotten married and was expecting our first child. He had just gotten laid off from a position as a web designer and I was teaching at a local high school. We didn’t have a penny to our name and as most young people after college, we were in debt. Henry’s uncle loaned us $10,000 dollars for a down payment on our first home. This was a “fixer upper”, but you would have thought we were buying a million dollar home!