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"Still, work is a 7 minute walk away and I live in Manhattan. That's hard to beat."

For you obviously. Some people don't want to live in a big city, or especially some place like Manhattan. It is all in the eye of the beholder.

I live in the mountains in Colorado, work from home (20 second commute) and pay less per month for my mortgage. So for me THATS hard to beat.

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