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where the vast majority of homeowners' net worth is tied to their home value. when compared to others in [California], their net worth is "average," but compared to [homeowners] in other parts of the country, they would be [considered] "rich." another aspect is that one's income and lifestyle is not commensurate with the value of their home. in other words, if they had to purchase their home today, they could not afford it.
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