The assumption they are using is if two people each drive 30 miles each way to work and value their time at $25/hour, then they could take the cost of their commutes in money and time (valued at $25/hr) and spend that money on their mortgag…e payment to live closer to work. That couple could borrow an additional $900k and their annual payment on that debt would be about the same as their annual commuting cost. Does that make sense?
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