Of course it doesn't make you a bad person - and it sounds like your choice is somewhat more deliberate. That said, I'd point out that it looks like you're plenty capable of making a lot more money whenever you want to, and if you set your mind on buying a house you'd come up with the cash for it within a couple of years.

That's a world away from the situation described in previous posts. It sounds like you have your priorities straight, which is commendable, rather than being at the mercy of a self-sacrificing mindset...

On a different note... It sounds like you've been through a struggle, and came out stronger. I just wanted to say congratulations. I respect that a lot.

Thanks. Struggle still ongoing. :-)