People make money working for non-profits. Well, I don't think that's the case anymore. Most companies are looking for assets or income. It's never been easier to get a loan for a home. Part of that is because Fannie Mae is becoming less stringent.
People are very good about paying their mortgages.
To have a credit record, have one credit card. Most people have a car loan. The average American has 5 credit cards. It's important to build your own financial identity. Women get married and if their husband is successful, they become complacent about their financial lives.