 Well, if you're not paying taxes on it, you could save up more and have a bigger down payment and still be okay. Right, but you might not be able to get the mortgage you need because you don't have the income if you can't count it. And with the way housing prices are going, you know, most people can't afford the American Dream right now. Anyway... Well, I think that's the big point here. People that are in the service industries, people who depend on tips for a living...