Steve is right but so is Fuchs to great extent, by claiming land they essentially had free capital something that can't happen today. My Great Grandparents simply staked a claim on a piece of land that had a water supply. At the time I didn't understand a lot of what they said when they talked about never having a job and never really having any money but living quite well. They saved their Social Security Checks (literally put them in a drawer) because they didn't no what to do with them and they certainly would never trust or use something called a Bank Early settlers were the original Hippies, it was all about Land, Labor and Tools and being a good neighbor. I think there is lesson in UNlearned in there somewhere.
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