New Survey Finds Inflation, Housing Costs And Eviction Threats Hitting Minorities Hardest

Minority communities have been the hardest hit financially by the current spike in consumer prices and housing costs, with high percentages of Black, Latino and Native American families reporting serious financial problems and even threats of eviction, according to a survey published Monday by the Harvard T. H. Chan School of Public Health, NPR and the Robert Wood Johnson Foundation.

With the annual increase in consumer prices hitting a 40-year high of 9.1% in June, Americans, by a wide margin, cite inflation as the number one problem facing the U.S. But the actual impact on individual households is more dispersed. For example, in the new survey, 58% of Black adults, 56% of Latinos and 69% of Native Americans say inflation has caused them serious financial problems, compared to 44% of white and 36% of Asian adults.

Soaring rents are similarly hitting certain minority households the hardest. In the new survey, 16% of Black renters, 10% of Latino renters and 21% of Native American renters reported they had been evicted or threatened with eviction in the past year. That compares to 9% of white and 4% of Asian families. “This is just a warning from this survey, that unless the government can provide some help for vulnerable populations, a year from now they are going to have more people who are homeless,” said Robert J. Blendon, co-director of the survey and an emeritus professor of Health Policy and political analysis at the Harvard T.H. Chan School of Public Health

Programs of emergency rental aid helped around 5 million American families during the early months of the pandemic, with 1.5 million fewer evictions compared to pre-pandemic levels. After 22 million Americans lost their jobs during the start of the pandemic, Congress provided $25 billion in emergency rental assistance in the Coronavirus Aid, Relief, and Economic Security Act (CAR AR +3%ES Act) passed in March 2020. A year later, in the American Rescue Plan, it added another $21.55 billion of rental assistance.

The CARES Act also included a temporary federal eviction moratorium that expired in the summer of 2020. It was later extended by the Centers for Disease Control (CDC), and then by Congress, and then again by the CDC. Finally, on August 3, 2021, after a surge in Covid-19 cases due to the Delta variant, the CDC extended the moratorium yet again. Later that month, the Supreme Court ruled against it.

Meanwhile, the emergency rental funds Congress appropriated have either been used up or are being returned to the federal government unspent. For example, last Thursday, Mississippi Governor Tate Reeves announced his state would halt the federally-funded Rental Assistance for Mississippians Program by Aug. 15, meaning as much as $130 million for the program would be returned to the federal government.

California, having used up its federal money, ended its Covid-19 rental assistance program on March 31, 2022. It sent more than $4 billion to 344,000 households –but around 5,400 tenants and landlords have received emails asking to return money received in Covid-19 rent relief.

The housing component of the CPI increased 5.6% in the 12 months ended in June, but that includes costs to both homeowners and renters. In many places renters have seen far greater increases. According to housing data collected by Redfin RDFN +14.3%, average asking rents in June were up 14% compared to June 2021. In some sunbelt cities like Miami, rent has increased nearly 40%.

The recent spike in rent prices leaves low-income and minority groups in particularly precarious situations. A May report by the Federal Reserve Board showed that as of last fall, about half of renters with income between $25,000 and $49,999 were already “cost burdened”—meaning they were spending more than 30% of their income on rent. In the Fed survey, 44% of Black households and 37% of Hispanic households reported they were renters, compared with just 21% of white households.

“Unless some sort of emergency help is provided, a substantial number of minority populations are going to be evicted over the next year,” Blendon warns.

MORE FROM FORBESMortgage Applications Rise In Potential Housing Market Respite-Could Home Buying Become More Affordable Soon?

Follow me on Twitter or LinkedIn.

I’m a summer intern reporting for Forbes Money and Markets. I graduated from Boston University with a degree in Journalism

Source: New Survey Finds Inflation, Housing Costs And Eviction Threats Hitting Minorities Hardest

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Why Some Housing Markets Seem To Be Cooling Down While Others Heat Up

Burned by a hot housing market, some frustrated home buyers may have hoped that sky-high listing prices are finally coming down to earth. Well, they are – sort of. It just depends on where you live.

To better understand the housing affordability situation, Fortune magazine reached out to Moody’s Analytics to get access to its latest proprietary housing analysis. Researchers at the financial intelligence firm calculated how home prices are likely to shift in 414 regional housing markets between the fourth quarter of 2022 and the fourth quarter of 2024.

Among the nation’s 414 largest housing markets, the Moody’s Analytics forecast model predicts that 210 markets are on the verge of seeing home prices decline over the coming two years and 204 markets are poised to see home prices rise over the coming two years.

The prospect of a big drop in house prices is becoming more and more likely as home sellers give in to the mounting pressure on affordability posed by June’s rapid mortgage rate hike.

Nationwide, home prices increased 18.3% year over year in June 2022, compared with June 2021, marking the 125th consecutive month of year-over-year increases, according to CoreLogic, a data analytics provider. Though annual appreciation was still strong, it slowed from the previous month for the second consecutive month, reflecting reduced buyer demand in part due to higher mortgage rates and worries about a slowing economy.

Lawrence Yun, chief economist at the National Association of Realtors, points out that the housing markets that have experienced price gains may find themselves at a pivotal moment.

“What I can say is that those markets that boomed were driven by strong local job creations and from new residents moving into those regions, including as retirees,” he said. “So, for places like Phoenix, Tampa and Boise, you may or may not see any meaningful price decline. They could also be primed for even more price gains.”

Yun added, “I cannot say, given such an extraordinary price growth in a short duration. But even if there were to be a price decline in these markets, it would not do any local economic damage given the strong housing wealth conditions of many local homeowners who had purchased many years ago. Even some renters may want to jump back into buying if there was a price decline.”

He said he would be more concerned about housing markets being able to weather the storm where job growth is not occurring and where they are losing remote workers to other locations.

“For white-collar workers earning high salaries, remote work is a huge financial boon,” said Redfin senior economist Sheharyar Bokhari. “It enables them to move from a tech center like San Francisco to a more affordable part of the country like Boise or Salt Lake City, get more home for their money and save some for a rainy day. It can have the opposite effect on locals in those destinations–especially renters–who are watching from the sidelines as home prices skyrocket while their income stays mostly the same.”

“Partly because of soaring home prices, Phoenix and Miami have some of the highest inflation rates in the country,” added Bokhari. “That will eventually diminish the financial advantage of moving to these places for out-of-towners. High inflation also cuts into budgets for locals, who are spending more on things like food and fuel and saving less for an eventual down payment.”

Home prices shot up over twice as fast as home buyer incomes in Boise, Idaho, rising 53% to $485,000 from December 2019 to December 2021, according to a Redfin analysis of mortgage data. Prices rose 48% in Austin, Texas and Cape Coral, Florida.

While local incomes rose and home prices skyrocketed in 2021, housing markets in many of those pandemic boomtowns are faltering as high mortgage rates and unsustainable price growth tame demand.

Redfin reports that Boise, Austin, Cape Coral, Phoenix, North Port, Florida and Tacoma, Washington are among the 20 housing markets that cooled the fastest in the first half of 2022. And Boise, Cape Coral, North Port, West Palm Beach, Miami, Stockton, California and Salt Lake City are among the 25 housing markets most susceptible to home-price declines if the U.S. enters a recession. But although they are susceptible to a recession-driven downturn, these places are unlikely to see housing market crashes because home buyers there have relatively high incomes.

“People are still moving in from California and they still have enough money to buy nice homes in desirable neighborhoods, sometimes with all cash,” said Austin Redfin agent Gabriel Recio. “But the days of homes selling for 25% over asking price with multiple offers are over. Buyers are no longer as eager now that mortgage rates are up and there’s buzz in the air about the slowing housing market. Local buyers–and even buyers coming from out of town–now have a chance to take their time and buy a home at asking price or even under asking price.”

Selma Hepp, interim lead of the Office of the Chief Economist at CoreLogic, sees the markets that Moody’s model predicts will experience the biggest drop in house prices as the same markets that CoreLogic’s market condition indicators model shows as exceedingly overvalued. “These markets have seen considerable home price appreciation over what local income suggests would be affordable,” said Hepp. “Thus, pulling of home buyer demand, due to higher rates and perception of overvaluation, as more new construction becomes available may lead to price discounts and resultant price declines.

Also, these markets have seen considerable in-migration from other states, mostly in the Northeast, and Baby Boomers retiring. Those incoming buyers may now look at other locations where they perceive prices as more affordable, which would dampen demand and may lead to some price discounting on the part of builders.”

Mortgage rates may be historically low, but so is home buyer morale these days, says George Ratiu, Realtor.com’s manager of economic research. He said the big issue at the moment is that real estate markets are moving through a reset transition, away from the chaotic pace of 2020-2021, following a sharp increase in mortgage rates in the first half of 2022, which compounded home prices breaking new records.

“The rising costs of borrowing have created an affordability ceiling for many buyers, who are finding that their incomes are no longer sufficient to cover much higher potential mortgage payments,” said Ratiu. “As a result, with demand cooling considerably, the number of homes for sale are sitting longer on the market and motivated homeowners are resorting to price cuts to close deals.”

In June, Realtor.com’s inventory data showed that about 15% of listed homes showed price reductions, double the share from last year. These trends are particularly visible in metropolitan areas that have seen an influx of residents and capital over the past couple of years, especially in the Sun Belt. Markets like Austin, Texas; Raleigh, North Carolina; Phoenix; the Lakeland-Winter Haven metro area in Florida; and Stockton, California are posting some of the highest gains in the number of homes for sale with price cuts.

Ratiu said, “Many of these markets experienced strong price appreciation during the pandemic, but with inflation eating away at most people’s incomes, the ability to keep paying more has disappeared. As wages fall behind prices, and with rates significantly higher than a year ago, we can expect these markets to continue to see adjustments in sales and prices through the remainder of 2022 and into next year.”

Susan Wachter, the Albert Sussman professor of real estate and professor of finance at the Wharton School of the University of Pennsylvania, said Moody’s prediction of price declines points to overpriced housing markets based on income.

“That is how these markets differ,” she explained. “Some of the markets are supply constrained. Some like those in parts of Florida are less so. It is reasonable to expect that markets with elevated prices based on historical ratios will be at risk in a growth slowdown. What is not addressed here, is what happens after income growth slows or declines, that is, in recovery. What is missing in this calculus is the identification of amenity-rich supply constrained markets where price rises will likely pick up in the aftermath of a recession. With long-term income increases, these markets are destined to be hot again.”

I am an award-winning journalist and former real estate editor at the Chicago Tribune, where I was cited for excellence for my work in launching and editing real estate

Source: Why Some Housing Markets Seem To Be Cooling Down While Others Heat Up

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05:59
16:57 Thu, 04 Aug
00:40
Nasdaq
Seahawks star becomes licensed real estate agent in offseason CBS Austin

20:14
20:07
18:35
16:57 Thu, 04 Aug
00:40

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DealCheck The Best Property Detailed Listing Price & Value Analysis Company

We’ve focused on building a property analysis platform that is quick and easy to use, but at the same time offers powerful features for more experienced investors. And we’ve always made sure you can seamlessly use DealCheck on any computer, phone or tablet.

Today, DealCheck is used by over one hundred fifty thousand real estate investors, agents, brokers and wholesalers to analyze a wide range of investment properties all around the world.

Rental properties are the most common type of real estate investment, thanks to their ability to generate consistent passive income and build lasting wealth. DealCheck makes it easy to analyze buy & hold, rehab & hold, Airbnb, vacation and other types of rental properties with an all-inclusive rental property calculator.

  • Analyze potential cash flow, profitability and required acquisition capital of traditional and short-term rental properties.
  • Analyze buy & hold, rehab & hold, Airbnb’s, vacation rentals and house hacking investing strategies.
  • View dozens of analysis metrics, including cap rates, COC, ROE, ROI, IRR, rent to value, GRM and break-even ratios.
  • Explore different acquisition and financing strategies to find the most profitable investment approach.

Quickly search for properties and import their description, list price, value & rent estimates, property taxes, photos and more. Or use our step-by-step wizard to enter the data manually.Fill in your purchase price, financing, closing costs, rehab budget, rent roll and estimated expenses. Configure dozens of parameters to structure the exact deal you want.

Instantly view each property’s cash flow, cap rate, ROI, profit from sale, acquisition costs and more. Explore long-term cash flow projections for rentals & BRRRR’s, and profit projections for flips. Browse recent sales comps, comparable rental listings and market statistics. Get after repair value (ARV) and rent estimates based on the unique characteristics of the property you’re analyzing.

Use the offer calculator to figure out the highest price you can offer to make each deal work for you. Select from over a dozen criteria based on your unique investment approach.Export each property’s analysis, projections, comps and photos in one complete online or PDF report. Instantly share property reports with lenders, partners or clients.

Trusted by over 200,000 professionals worldwide:

Real Estate Investors

Whether you need to evaluate a single SFR or analyze dozens of multi-family buildings, our software will help you make smarter and more educated investment decisions.

Agents, Brokers & Wholesalers

DealCheck makes it easy to present properties to potential buyers with one-click marketing reports. Add your contact info and logo to each report to really impress your clients.

Homeowners

Thinking about turning your home into a rental? Use DealCheck to help you figure out how much passive income you will generate each month.

Perform accurate property analysis in seconds

DealCheck’s analysis tools are powerful, yet incredibly easy to use. Calculate all important metrics for rentals, BRRRR’s, flips, multi-family, commercial buildings and Airbnb’s.

Import property data from public records

Quickly search public records & online listings and import property details, list price, estimated value & rent, property taxes, HOA fees and photos. Data is available for most US properties.

Customize each real estate deal, effortlessly

We understand that every deal is different. Our software provides virtually unlimited flexibility when entering financing, closing costs, repair budgets and operating expenses.

View cash flow and profit projections

Analyze long-term cash flow projections for rental properties and profit projections for flips. Quickly change deal parameters and see how they will impact your profit and returns.

Look up recent sales and rental comps

Estimate after repair values and potential rents with confidence. View recent sales comps, comparable rental listings and market statistics. Available for most US properties.

Screen properties with your investment criteria

Set up detailed purchase criteria and focus on the metrics that are important to you. Instantly screen properties with your criteria and find the best deals quickly.

Calculate maximum allowable offers to sellers

Use our offer calculator to figure out the highest price you can offer to make each deal profitable. We use reverse valuation and over a dozen criteria to give you an accurate estimate.

Find contact information of property owners

Looking for off market properties? Look up property owners right from our app to help you run direct mail or lead generation campaigns. Available for most US properties.

Share property reports with custom branding

Create professional online or PDF reports with a single click. Add your custom branding and logo and share your reports with lenders, partners, investors or clients. In our latest update, we made several improvements to our rental and rehab analysis tools to help you analyze more complex rental projection scenarios, and quickly create reusable rehab templates.

Here is everything we’ve added:

Analyze Advanced Rental Projection Scenarios

You can now configure specific expenses to be paid in future years, allowing you to model planned renovations, capital improvements and other one-time expenses. You can also set the vacancy, appreciation, income and expense increases for each future year individually, to analyze lease-up periods or uneven property value, rent and expense increases

DealCheck has a lot of useful analysis points for both rentals and flips to run your numbers and make comparisons for your next REI offer! You can also see projections, add photos and branding to reports, and now check comps.This app has been a deal changer for our business. We are able to quickly evaluate flips, rentals, etc. The developers continue adding new features. I got so many of my friends on the app now!

Source: Property Analysis Software | DealCheck

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Housing Market ‘In Free Fall’ As New Construction Plummets

The number of housing starts, or ​​new houses on which construction started, plunged 14.4% to about 1.5 million last month from 1.8 million in April—sharply below economic projections calling for nearly 1.7 million starts, the Census Bureau reported Thursday.

Building permits also fell more than expected, coming in at less than 1.7 million in May despite expectations they would remain roughly flat from April at about 1.8 million. In emailed comments Thursday, Pantheon Macro chief economist Ian Shepherdson attributed the sharper-than-expected decline to an “abrupt and rapid” drop in new-home sales facing builders, who “overbuilt” since early 2021 to capitalize on demand that’s now “in free fall” and must slow construction to prevent a big hit to profits.

“This is still the early stages of the housing rollover,” adds Shepherdson, predicting the next few months will bring further steep declines in housing construction as additional interest rate hikes make home buying more expensive and push demand even lower.

Home builder stocks took a hit after the data, with the S&P Homebuilders Select Industry Index, which includes home-manufacturing giants such as Masco and Owens Corning, plunging more than 4% Thursday, while the S&P 500 fell 3%. One bright spot in the report: Home completions climbed to the highest level since 2007, which should help home price increases—clocking in at the quickest pace this century—slow from about 20% to the low single digits by the end of next year, says Comerica Bank chief economist Bill Adams.

Historically high savings rates and government stimulus measures helped ignite a home buying frenzy during the pandemic, but signs of a slowdown have quickly emerged as the Federal Reserve embarks on its most aggressive interest-rate-hiking cycle in two decades. According to data released last month, pending home sales slid for the sixth consecutive month in April to the lowest level in nearly a decade, while new home sales plunged nearly 17% from March. More recently, the average interest rate on the popular 30-year fixed mortgage spiked 5.5% to more than 6.2% this week—the highest level since the 2008 financial crisis.

The Fed’s Wednesday rate hike is “likely to accelerate the slowing of the housing market” and eliminate construction jobs, says Mace McCain, chief investment officer at Texas-based Frost Investment Advisors. “We’ll be watching job openings and layoffs closely as the Fed continues to tighten into a slowing economy.”54

“[Fed Chair Jerome] Powell yesterday said the housing market is undergoing a reset, but it’s much more than that,” says Shepherdson, referring to comments Powell made after instituting the largest interest rate hike in 28 years on Wednesday. Speaking to reporters, the Fed chair suggested rising mortgage rates may not be long-lived, saying, “Home buyers need a reset. . . . Ideally, we do our work in a way where the housing market settles in a new place and housing and credit availability are at appropriate levels.”

I’m a senior reporter at Forbes focusing on markets and finance. I graduated from the University of North Carolina at Chapel Hill, where I double-majored in business

Source: Housing Market ‘In Free Fall’ As New Construction Plummets—Here’s When ‘Reset’ Could Cool Prices

Critics by Dean Baker

Given other economic data it is certainly plausible that the rate of house price decline is accelerating. The unemployment rate has risen by more than 3 percentage points from its low in 2007, with involuntary part-time rising by another 2 percentage points. If there are twice as many people who fear unemployment or short hours as who actually end up unemployed or working short hours, then the weak economy would have reduced the number of potential homebuyers by 15 percent.

In addition, the plunge in house prices will also reduce demand, since it has destroyed home equity. By some estimates, close to 20 percent of mortgage holders are underwater. After deducting realtor fees and other closing costs, tens of millions of current homeowners would not have enough equity left to make the down payment on a new home. In this respect, many long-time homeowners will face the same difficulty as first-time homebuyers in raising the money needed for a down payment. With the sharp drop in the stock market destroying savings, few of these homeowners will have enough financial wealth to make a down payment.

The danger in this situation is that house prices will go into a downward spiral, with declining house prices destroying equity. The loss of equity reduces the number of potential buyers in the market, putting further downward pressure on prices. This sort of downward spiral will have further negative effects on the economy. As homeowners lose more equity, they will feel the need to cut back further on consumption. In addition, with more homes underwater, default rates will rise with the losses on each foreclosure increasing.

Unfortunately, there has been little real discussion to date of measures that could arrest this sort of price decline. A serious effort would focus on sustaining prices in markets where the bubble has already deflated. Efforts to sustain house prices in markets where the bubble is still deflating will almost certainly fail, and will result in the government wasting money on a failed effort.

However, in the markets where sale prices are in line with rents, it would be desirable for the government to try to prevent prices from overshooting. It can do this by directly intervening in the market, buying up foreclosed properties. This could be an effective policy that carries little downside risk. In fact, this policy certainly carries less risk than continuing to allow Fannie Mae and Freddie Mac to guarantee mortgages in markets where the bubble is still deflating……

Related contents:

Mortgages Surge Past 6% And Hit Their Highest Level Since 2008: Housing Market Could ‘Torpedo’ US Economy, Expert Warns 

Housing Market Boom ‘Is Over’ As New Home Sales Implode–Here’s What To Expect From Prices This Year 

Mortgage Demand Plunges To 22-Year Low As ‘Worsening’ Affordability Deters Buyers—But Here’s Why Prices Will Still Rise

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Are You In a Loving Relationship or Are You Just Poor?

At this point, it’s not novel to point out that we’re socialized from childhood to prize monogamous relationships above all else. It’s an idea deeply embedded in our culture, from books to films to music. But we seldom pause to consider the real extent to which this is baked into the very fabric of our society.

It’s not just a cultural thing: it’s why one-bed flats are usually designed to accommodate two, with rent prices intended to be divided in half. It’s why seats on buses and trains come in pairs. It’s why packs of food so often ‘serve two’. It’s why gyms and Spotify offer discounted memberships for couples.

There are numerous material benefits to monogamy, such as the Married Couple’s Allowance, the option to take out a joint mortgage on a house, or the fact landlords are more likely to choose couples as tenants. As author and psychotherapist Sasha Roseneil writes in the Guardian, compulsory monogamy “operates through laws and policies that assume and privilege coupledom, with myriad economic impacts in terms of access to welfare benefits, pensions, inheritance and housing.”

Aaron, 21, has experienced this firsthand. “I used to live with my girlfriend, but we split up and she moved out which has made paying bills really stressful and hard for me,” he says, noting “food and subscriptions like Netflix and Spotify” as particularly costly expenses. “The cost of living crisis has made this even more difficult – especially with food shopping.”

Essentially, society isn’t built for single people, and as a result it’s expensive to be single. Research backs this up: according to Ocean Finance, the UK’s singles spend on average £630 more per month than their coupled counterparts. On top of this, a 2019 report from the Office for National Statistics (ONS) found that people living alone are more likely to be renting and feel less financially secure than childless couples.

The cost of being single has now been compounded by rising inflation and the ongoing cost of living crisis. Of course, the current crisis is impacting everyone – regardless of whether they’re in a relationship or not – and it’s unquestionably hitting the poor the hardest. But as an estimated 35 per cent of the UK’s population are single, this is an issue which affects millions of people.

24-year-old Sophie is in a similar situation to Aaron. She lists “rent, food, and bills” as the main costs she struggles to cover. “If you’re single you get a council tax discount, but it’s really not a lot at all. My council tax is still over £100 a month,” she says. “But the one thing that’s impacted me the most is my rent went up by quite a lot in April. It went up by over £100.”

She adds that she has to fork out nearly £400 a month to pay her building’s service charge. “Whether it’s one person in a flat or four people, you still have to pay the same service charge for building maintenance and stuff like that,” she says. “And I’m just one person.” According to Ocean Finance, housing is the most expensive outgoing for single people, with a single person paying an average of £674 a month on rent while a person in a couple pays £433.

“I have a full-time job and spend most of my free time doing freelance work just to make up the money,” Sophie adds.

The current cost of living crisis is even forcing some people to stay in relationships they’re unhappy in. “I’ve been with my partner for around two years and lived with him for just over a year. It’s been fairly up and down, as we realised around a year ago that it’s more platonic. We’re not really any more than friends, and that’s mutual,” Holly*, 26, tells me.

At present, Holly is living in a two-bed flat with her partner and a mutual friend of theirs. “I recently moved to a new job that has halved my previous salary, and it means that if he leaves the room I share with him then I can no longer afford the room,” she says. “The extra costs would be terrible. Bristol is incredibly expensive and my salary isn’t up to scratch. Splitting up would mean splitting everything in half would no longer be an option.”

“The couple norm continues to exert a strong and far from benign influence on people’s lives” – Sasha Roseneil

In her Guardian article, Roseneil stresses that “the couple norm continues to exert a strong and far from benign influence on people’s lives.” This much is clear from Aaron, Sophie, and Holly’s testimonies: evidently, despite the progress made by feminist and LGBTQ+ movements in recent years, we’re still penalised by society for living outside the couple norm.

Still – it’s worth noting that despite the financial benefits of being in a couple, Holly admits that it’s not worth the emotional strain when your relationship is on its last legs. “I’ve realised this isn’t healthy for either of us. It’s quite clear it’s getting to the end of the relationship,” she says. “I spoke to him about it last night, so the process of moving out is likely just around the corner.”

However, this doesn’t negate the fact that being single is still a financial burden. Although Holly is keen to move on from her relationship, she’s still not sure how she’s going to afford to pay her rent. Obviously, monogamous couples are not a social ill in and of themselves. But the ways in which compulsory monogamy is perpetuated in society evidently are a problem, and a problem which is being exacerbated by the ongoing cost of living crisis.

Unfortunately, regulating rents or increasing taxes are actions beyond the power of most individuals – but that doesn’t mean we can’t challenge compulsory monogamy in our everyday lives. There’s so much to be gained by shelving the concept of ‘soulmates’ and nurturing other types of connection in our lives – whether you’re in a relationship or not. Ultimately, it’s only by chipping away at the status quo can we hope for a future where we’re all financially stable and independent.

By: Serena Smith

Source: Are you in a loving relationship or are you just poor? | Dazed

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