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Phil and Kathy described a middle-class life that fell apart for a variety of reasons, including an adjustable rate mortgage Kathy regrets buying into. Her paralegal career sputtered and she had several back surgeries while Phil lost his photo lab business, and their ages didn’t help. In 2013, they lost their condo and Phil invested in an old but serviceable RV, so they and their standard poodle would still have a roof, if not an address.
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