My pleasure to welcome you to the Clark Howard Show, which is here for you.

I want to give you advice and information so you can save more and spend less and don't

let anyone ever rip you off.

When you have a question for me, go to Clark.com slash ask.

Coming up later, I am so excited about initiatives going on around the country to

reintegrate people who have done the crime and done the time back into society.

We all benefit and I want to tell you something has been a bug for me for a long time.

It's finally starting to be fixed in so many places.

I want to talk right now about something that has defied solutions for good while and

that is there are a number of locations, especially on the coast where housing has gotten

so expensive that people are going to desperate means to have a place to live.

I don't know for most of us if this is an experience we can even relate to, but in some of the

highest cost cities in the country, people are subdividing small apartments into living

quarters for as many as four or five different individuals or family units living in one bedroom

apartments.

They use things like cardboard boxes as dividers or curtains as dividers and people are crowding

in crazy numbers and in places by the water, people are following an Asian model and more

and more people are living in crummy boats.

These are not fancy boats that people are going out for a joy ride or fishing in.

These are things that are barely see worthy, dilapidated boats that people are living in

usually without access to heat or cooling or normal sanitary capabilities just because

housing has gotten so bad.

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