"Double up on house notes whenever you can"
That means you pay next month's principal. Requires getting an amortization schedule. Cuts your mortgage time in half and your interest paid greatly. Paid off our house in 8 years on a 15 year mortgage. Means you don't buy as much house as you possible can. When we were shopping for a mortgage, we were told we were eligible for more than a million dollar mortgage. We bought a home (our third) for 180K. We had 50K of equity to use for the downpayment. So, no PMI and making the house payments was relatively easy. At the same time we paid off our education loans. Paid cash for cars, never carried credit card debt. Modest means growing up and no trust fund. Even a liberal can pull it off.
Looks like it is good to be above the Mason Dixon line. I think I'll die of not surprise.