All across the USA, safe, clean, and affordable housing is changing lives—but there’s just not enough of it to go around. Communities everywhere are feeling the pressure from a growing housing shortage. Rents keep

rising, and too many people are stuck living paycheck to paycheck, worried about how they’ll afford a roof over

their heads. Even folks with steady jobs such as teachers, EMTs, service workers are being priced out of the

neighborhoods they serve.

2025’s theme? Still volatility or maybe just “Ready, Fire, Aim.” May was no exception.

The Problem: Banks offer CD rates that don’t keep up with inflation. Returns in the stock market vary and those investments are not discounted, insured, protected or secured. As the Federal Reserve continues to print money, the value of the US dollar continues to fall.