I don't have someone else's cash either. But someone always seems to have mine or wants mine or feel their entitled to mineI do not have a Lake Cottage, but have been able to live in Kodiak, Alaska for over 36 years now.
I do not have your cash, but I did fulfill my life by living out my dream of 7 years old, and made it to Alaska.
College towns, pffft, but even in Kodiak;
KSucks!