Not everyone receiving a cash gifts want to make a 20% downpayment, though. Cash gifts are also allowed for low-downpayment mortgages including the FHA purchase mortgage, which requires a 3.5% downpayment; and the Conventional 97 mortgage from Fannie Mae and Freddie Mac which requires just 3% down.
Hardwiring Happiness is a psychology/but actually mostly a self-help book. I obviously went into it with expectations that weren't met, but it's not all bad. I did get the psychological research that I wanted and more.
In Brief: THE PURSUIT OF HAPPYNESS is the inspiring true-life story of Chris Gardner. Chris, played with brilliant passion by Will Smith, is a man struggling to make ends meet in the 1980s. One day, a chance encounter sets Chris in motion to change his life for both he and his son. Chris takes a stressful internship at a highly competitive stock brokerage.