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Jim did tell his mom though that he was going to continue working six days a week, and saving as close to three quarters of his take-home pay as he could. His mom was worried about him because he would not move out of his apartment; he lived in a rough neighborhood, where drug deals were commonplace on street corners, where old cars were up on blocks in front of run-down houses with mud where lawns used to be. There was a fatal stabbing last year near his apartment, he told his mom, an old warehouse was set on fire by delinquent teen-agers, and two men were injured recently in a "drive-by" shooting a block away from his house. So his mother insisted he map out a plan to move out of that neighborhood, but not rent again, rather, put money down on a home of his own in a nicer area of town. He would then have "freedom from" the weary world of crime, drugs, violence and noisy apartment dwellers above and below him in the poor side of town.
Mapping Statement #3: Jim told his mother he had decided that he would wait until he had $100,000 saved before buying a home for himself; and at that time, he would use about $75,000 of it for a down payment, so his mortgage payment would not be too steep. His mom had also urged him to buy a better car - he was driving the same 1984 Honda civic that he bought his...
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