a-There are very few jobs in Carsbad unless you want to work at a fast food joint. Commuting from there to San Diego or LA (where there are jobs) is not realistic. Being a 10 minute walk from the water doesn't buy you food to eat, unless you plan on fishing every day, nor does it pay for property taxes and other idiotic fees.
b-Buying stuff with money you don't have should never be the "default" way to do things. If you don't have the cash you can't afford it.
b-Buying stuff with money you don't have should never be the "default" way to do things. If you don't have the cash you can't afford it.