I have a non paying job, too. I figure I might be better off just realizing it's not happening right now and learning about MBS's with this information overlaod... but then some weak lead pops up to interrupt my learning fun and I chase it until its dead - just to find myself no better off than I was before - wishing I had spent my time on this addictive new site learning about the market. This has been my reality. I'm thinking next spring I will come out as an expert with this info and make a killin'.