We have become a culture seeking, even expecting, immediate gratification. It was not that long ago that if you wanted something, you had to pay for it with cash; personal credit was not widely available to most of us. We had to save until we had sufficient funds to pay for the item we were purchasing (unless a family member or friend was willing to make us a loan – most folks didn’t have that option). After World War II, the government started guaranteeing VA Home Loans to returning veterans. This made it possible for people to buy their home and pay it off over the next 20 years. This lead to an enormous economic boom in the United States and the practice soon became wide-spread among non-veterans as well.