text: If you have leveraged yourself to the edge of a cliff  on the basis you may make money, you are speculating. If you move away and keep your house because it may be worth more down the road,  you are speculating. If you are buying a home years before you can afford one, you are speculating. 
  Homes are places that people raise family's and join community's, not get rich programs.
  A healthy market sees home prices move along with inflation, not artificially created environment driven by speculation.