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First home was their vacation home

Mary McCarthy wasn't sure she wanted to buy a condo in Old Town. While considering a change from renting to owning, she loved her apartment but remembers thinking, "What I want at 29 is probably not what I want at 35." But what was she sure wouldn't change? Her lifelong goal to be able to visit a lakeside town harboring nostalgic memories of family summer vacations. So, while sharing her Chicago rent with a roommate, she bought a three-bedroom place in 2012 in Duneland Beach, Ind.

"A lot of it is a dream fulfillment," said John Gajkowski, co-founder of the Oak Brook-based Money Managers Financial Group. "They've always wanted to have a lake home. They might have grown up with their parents or grandparents having a lake home."

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