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Author: Emma Caplan-Fisher

  • I’m 31, make $117K/year, cover all household bills — yet my fiance refuses to chip in. Insists his cash is for ‘fun’ while I handle ‘responsibilities.’ Can I fix this before we get hitched?

    I’m 31, make $117K/year, cover all household bills — yet my fiance refuses to chip in. Insists his cash is for ‘fun’ while I handle ‘responsibilities.’ Can I fix this before we get hitched?

    For some, the road to marriage can look financially lopsided. Those in their 30s earning their fair share — say, more than $100,000 a year — may be used to covering 100% of their individual household expenses.

    However, it doesn’t typically feel good when a fiance refuses to contribute, claiming their money is only for “fun,” not “responsibilities.” This scenario isn’t as uncommon as you might think.

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    According to the U.S. Bureau of Labor Statistics, the average American household spent about $77,280 annually on expenses in 2023, including housing, transportation, food, insurance and health care.

    In a two-person household, those costs can quickly add up. And when only one person is footing the bill, the financial and emotional burden becomes even heavier.

    The red flags of an unequal dynamic

    While differences in income are normal, refusing to contribute entirely can trigger long-term problems.

    When one partner sacrifices and handles 100% of the financial responsibilities, their personal finances may suffer down the road, while the other partner gains.

    This creates several challenges.

    Budget strain. Even with a six-figure salary, carrying the full weight of household costs limits your ability to save, invest or spend on yourself.

    Lifestyle imbalance and negative emotions. When one person is financially constrained while the other uses their full income for leisure, it can foster resentment.

    Power imbalance. Financial inequality can also seep into decision-making. The partner who pays for everything may feel overburdened and unheard, while the non-contributing partner may avoid accountability.

    Future financial insecurity. Without shared financial planning, big goals — from buying a home to starting a family — may be delayed or derailed entirely.

    It’s about more than just paying the bills: aligning your values, goals and decisions is important in a successful relationship.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    How to address it before saying ‘I do’

    Before walking down the aisle, a couple in this situation needs to be candid, in a productive, structured way. If you see yourself as the "giving" half of your relationship, here are a few practical steps to hopefully see change.

    1. Have a values-based conversation

    Frame the conversation not as a confrontation, but as a shared planning session for your future.

    You can try something like: “I want us to feel like we’re building something together. Can we talk about how we want to manage money as a team?”

    Focus on shared goals, like housing, travel, kids and retirement, and how to achieve them together.

    2. Consider financial counseling

    If emotions are running high, a third party can help. Premarital or financial counseling can uncover deeper money beliefs and create shared understanding.

    Resources like the Financial Therapy Association can help you locate professionals near you.

    3. Propose a fair cost-sharing model

    A practical approach is using a cost-sharing model like a proportional contribution one.

    Under this, you’d figure out the proportion of total household income you each bring in. This system keeps contributions equitable while acknowledging income disparities.

    For example, say you earn 70% of your combined income and your partner earns 30%. You’d each contribute these proportions toward shared costs.

    So, if those costs are $65,000 annually, you’d pay $45,500 per year, while your partner would pay $19,500 per year.

    4. Set boundaries and deadlines

    If your partner continues to resist contributing, it’s worth asking yourself if this is a difference in values or a refusal to partner in life. Marriage is a financial partnership as much as an emotional one.

    Put yourself first by setting a deadline to revisit the conversation and being honest with yourself about your limits.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘We’re not trying to punish anyone’: This LA man created a device to deter unhoused people from sleeping outside his condo complex — but some residents would like to see ‘a better solution’

    ‘We’re not trying to punish anyone’: This LA man created a device to deter unhoused people from sleeping outside his condo complex — but some residents would like to see ‘a better solution’

    In West Hollywood, a new device called the "Blue Chirper" is stirring controversy as it aims to deter homeless individuals from settling near businesses.

    Invented by Santa Monica resident Stephen McMahon, the device emits a chirping sound and flashes blue light when it detects motion. McMahon describes it as a non-aggressive deterrent.

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    "We’re not trying to punish anybody," he told NBC Los Angeles. "We’re just trying to divert them."

    ‘A jerk’s first response to people living on the street’

    The Blue Chirper, priced at about $400, was developed after McMahon experienced homeless encampments outside his condominium complex’s storage area. He also noted a break-in and a neighbor with her infant daughter being assaulted, according to the Los Angeles Times.

    Local news channel KTLA5 says McMahon has sold about two dozen devices to business owners and residents in various Southern California locations, including the 3rd Street Promenade in Santa Monica.

    In West Hollywood, it was recently placed near a Trader Joe’s on Santa Monica Boulevard. While some area residents appreciate the effort to keep sidewalks clear, others find the constant chirping and flashing lights disruptive.

    “It’s so annoying,” grocery shopper Jeffrey Howard told the Los Angeles Times. “It’s like an alarm from a smoke detector that you’re just waiting for somebody to turn off.”

    Another shopper, Travis Adam Wright, called it a bad look for West Hollywood. It feels like “a jerk’s first response to people living on the street,” he said.

    The city has received no official complaints, but a code enforcement officer is set to assess the situation.

    As one local woman pointed out, it may be more impactful to address the root of the issue rather than just one symptom.

    “It makes me sad that that’s what we’re doing to get people to move on. On the other hand, this is someone’s business, it’s their livelihood,” she told NBC. “We need just a better solution to the homeless situation.”

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Homelessness: A national issue

    This local initiative comes amid a national surge in homelessness. According to the U.S. Department of Housing and Urban Development (HUD), over 770,000 people were experiencing homelessness on a single night in January 2024, marking the largest number since data collection began and 19% more than in 2007.

    Factors contributing to this rise include rising inflation, stagnating wages among middle- and lower-income households and a severe shortage of affordable housing, with median rent increasing by 18% since 2020, says the National Alliance to End Homelessness, and a deficit of over 7 million affordable rental homes nationwide, according to National Low Income Housing Coalition estimates.

    Notably, the baby boomer generation is facing homelessness at unprecedented rates. People aged 65 and older are now the fastest-growing group among the homeless population, with Justice in Aging projections indicating their numbers will peak by 2030. Many in this demographic struggle with rising housing costs on fixed incomes.

    In fact, in the 2024 HUD report, about one in five people experiencing homelessness on a single night was 55 or older. Almost half of adults in this age group (46%) were experiencing homelessness in "places not meant for human habitation."

    While a chirper may get rid of people occupying public stairways, it does nothing to address the broader issue at large — and a substantial solution remains to be seen.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Dave Ramsey sided with this Tennessee man in dispute with ‘free spirit’ wife who he said wasn’t pulling her weight — until the caller admitted she’s not working because she has Stage 4 cancer

    Dave Ramsey sided with this Tennessee man in dispute with ‘free spirit’ wife who he said wasn’t pulling her weight — until the caller admitted she’s not working because she has Stage 4 cancer

    During a recent episode of The Ramsey Show, Adam, from Knoxville, Tennessee, shared his ongoing struggles to maintain a household budget with his wife, who is battling Stage 4 cancer.

    Adam began by explaining that "There’s a fight every time we try to set a budget." He added, “She feels like I just make the budget and then go over it with her, but she always feels like I just make it and don’t give her any input,” highlighting the tension that financial planning has introduced into their relationship.

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    Budgeting as a joint effort

    Adam explained that budgeting is a new priority for them, and he identified himself as the more organized partner — or "nerd," as finance expert Dave Ramsey put it.

    In response, Ramsey emphasized the importance of making the budget a joint effort. He explained that he teaches the "nerds" creating budgets to work with their "free spirit" partners by involving their partners in the process and getting them to contribute.

    "[You must let] the free spirit … change some things in your perfect little budget. Otherwise, it’s not our budget, it’s your budget," he told Adam.

    He initially believed that’s what Adam’s partner was griping about.

    However, Adam went on to explain that, despite his wife’s health challenges with Stage 4 cancer and reliance on disability income, he wanted her to contribute financially. He even suggested side work to bring in extra money, so they could stay on track to be consumer debt-free within 12-18 months.

    This is where things shifted for Ramsey.

    He responded with concern for Adam’s wife, criticizing his insistence on his wife’s financial contribution during her illness, stating, "I absolutely apologize to your wife for calling her a whiner in Stage 4 cancer, and I’ve discovered that you are the whiner."

    Ramsey emphasized the need for empathy and understanding, advising Adam to prioritize his wife’s health and well-being over financial contributions.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    He stressed that "Thing One" is to beat cancer, while getting out of debt can be delayed, pointing out it’s fine to move towards the debt-free goal at a slower pace while she doesn’t work.

    Ramsey also said it’s fair for Adam to do a better job of drawing her in to get agreement on the budget. However, he understood her unwillingness to participate so far, given that Adam’s proposed solution was "unreasonable."

    Balancing health and financial stability

    Ramsey recommended the couple engage in open communication and seek guidance from professionals. “You guys need to sit down with someone and start working on your relational skills,” he advised.

    He also stressed the importance of Adam drawing his wife into budgeting conversations in a supportive manner, to create a safe space for productive dialogue and a healthy future together.

    The truth is, they’re not alone — financial disagreements are a common source of conflict in relationships.

    A study found that financial worries significantly predict conflict for both spouses in many coupled households. Husbands with financial concerns were nine times more likely to report financial conflict, while wives with the same worries were nearly 13 times more likely to report such conflict.

    To navigate financial challenges, couples are encouraged to:

    Engage in open dialogue. Regular, honest conversations about finances can help partners understand each other’s perspectives and reduce misunderstandings.

    Seek professional guidance. Financial counselors and therapists can provide tools and strategies to manage financial stress and improve relationship dynamics.

    Adopt collaborative budgeting. Creating a budget together ensures that both partners have input and buy-in, fostering a sense of shared responsibility.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘It’s just ugly’: Honolulu residents fed up with ‘monster home’ that’s been standing ‘derelict’ for 3 years — here’s what the city’s doing to crack down on these blights

    ‘It’s just ugly’: Honolulu residents fed up with ‘monster home’ that’s been standing ‘derelict’ for 3 years — here’s what the city’s doing to crack down on these blights

    Nestled in the Honolulu neighborhood of Kaimuki, a partially constructed building at 3615 Sierra Drive has become a focal point of contention.

    One of Hawaii’s so-called “monster homes” — unusually large residences, sometimes occupied by dozens of people — the structure has stood incomplete for three years, drawing criticism from residents and scrutiny from city officials.

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    “It’s really just a disguised apartment house with inadequate parking, so as a nearby resident, I think it really should just be torn down,” a Kaimuki resident said, according to KHON2 News in a story published May 27.

    Here’s the story behind the property, and why residents are so unhappy.

    What’s happening?

    Three years ago, the Department of Planning and Permitting (DPP) revoked the property’s building permit after discovering discrepancies between the approved plans and the actual construction, per KHON2 News. A report by Hawai’i Public Radio says the structure exceeded the city’s floor area ratio threshold, had more bathrooms and wet bars than permitted and lacked sufficient side and rear yards.

    After an appeal by the property owner was denied, new building permit applications to comply with the ordinance were filed, which are under review by the DPP, according to KHON2 News. A department spokesperson told the local broadcaster “the owner must pay a triple fee penalty for the permit, and possibly remove any portions of the work that do not comply with the monster homes ordinance.”

    The DPP also noted that since 2022, 17 building permits have been revoked as part of a crackdown on such developments. Meanwhile, residents have voiced concerns about this particular unfinished building attracting illegal activity and being an eyesore.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    “I don’t think you can let these houses just sit there derelict indefinitely,” Elaine Evans told KHON2 News.

    Another resident, Daniel, told the broadcaster: “Unfortunately, this monster home is very visible, that’s the problem … It’s just ugly.”

    The problem with monster homes

    Honolulu City Councillor Tyler Dos Santos-Tam spoke with KHON2 News last year to explain why monster homes can be a problem, particularly the one at 3615 Sierra Drive.

    He described these homes as large and often stretching to the border of the lot. “Frequently, you’ll see numerous entry points — disguised as back doors or side doors — but really serving as the entrances to separate units. Monster homes will have dozens of bedrooms. At 3615 Sierra Drive, for example, the building had 19 bathrooms and 21 bedrooms.”

    Unlike other parts of the city where there are high-rise buildings, this building was located in Kaimuki, “where no house has more than, say, five bedrooms,” Dos Santos-Tam said. Since the neighborhood wasn’t designed with high-density housing in mind, a monster home could potentially lead to problems.

    “Assuming each bedroom goes to a separate person — which it often does — that’s potentially 21 new cars using street parking. That’s 21 new people using the area infrastructure — electrical, plumbing, water. That’s 21 new people who often aren’t attuned to the surrounding community. And this is assuming those people don’t have spouses, children, pets, etc.”

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Colorado businesses facing $8 million in fines for employment law violations, including hiring unauthorized migrant workers — but here’s why undocumented workers are paying the highest price

    Colorado businesses facing $8 million in fines for employment law violations, including hiring unauthorized migrant workers — but here’s why undocumented workers are paying the highest price

    Three Denver-area businesses face a combined $8 million in fines for allegedly employing unauthorized migrant workers in contravention of employment law.

    U.S. Immigration and Customs Enforcement (ICE) special agent Steve Cagen told Fox31 News that the fines are designed to uphold the law and “promote a culture of compliance."

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    “The employment of unauthorized workers undermines the integrity of our immigration system and puts law-abiding employers at a disadvantage,” he said.

    The agency announced the fines publicly on X.

    Who was fined and why

    ICE said CCS Denver, Inc. — a commercial cleaning and facility maintenance company — knowingly hired and employed at least 87 unauthorized workers. It faces the largest fine: $6.19 million.

    According to ICE, Denver’s PBC Commercial Cleaning Systems, Inc. demonstrated “a pattern of knowingly employing at least 12 unauthorized workers.” It was fined nearly $1.6 million.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Green Management Denver was fined $270,195 after ICE identified 44 unauthorized employees.

    ICE said its enforcement actions follow workplace audits. John Fabbricatore, a former field office director for ICE. said such audits have been going on for decades.

    “They performed an I-9 audit in which they found multiple Social Security number (probably) mismatches and no matches,” Fabbricatore told Fox31.

    “So, they went through with a civil violation of that and fined these companies for employing people who are unlawfully present in the United States and unauthorized to work (there).”

    Undocumented workers pay a price

    While the businesses face financial consequences from such audits, undocumented workers pay a high price on the job. Here’s how they’re typically impacted.

    Wage theft

    When employers knowingly hire unauthorized workers, they sometimes exploit that status to skirt labor laws, resulting in wage theft.

    According to a report from the Economic Policy Institute, workers lose over $15 billion each year due to minimum wage violations alone — a burden that disproportionately affects immigrant and undocumented workers.

    Benefits loss and job instability

    Undocumented workers are rarely offered employee benefits like health insurance, paid sick leave or unemployment protections.

    Their precarious legal standing often prevents them from reporting labor violations like unsafe conditions, wage theft or harassment.

    For many, this is due to fear of retaliation or immigration consequences, including deportation.

    But some workers also have visas tied to a specific employer, meaning that employer controls their visa status along with their livelihood.

    Financial strain and tax implications

    Although many undocumented workers pay taxes — often through Individual Taxpayer Identification Numbers (ITINs) — they’re ineligible for many public benefits funded by those taxes.

    They’re also more likely to face budgeting strain due to unpredictable income, lack of formal employment contracts and vulnerability to sudden job loss during enforcement actions.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘I’m kind of lost right now’: NY man’s debt explodes from $30K to a whopping $100K in less than a year due to gambling — despite earning six figures. What Dave Ramsey says to do ASAP

    ‘I’m kind of lost right now’: NY man’s debt explodes from $30K to a whopping $100K in less than a year due to gambling — despite earning six figures. What Dave Ramsey says to do ASAP

    When Jelani from New York called into The Ramsey Show about his financial problems, he didn’t sugarcoat his situation.

    "I owe over $100,000. I’m kind of lost right now,” he told finance personality Dave Ramsey in a clip posted May 28. “I don’t know if I should file [for] bankruptcy. I just need some advice," he told celebrity finance personality Dave Ramsey.

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    Jelani shared he owed around $80,000 in credit card debt, $8,500 in student loans and $11,500 on a car loan. His debt accumulated rapidly since Thanksgiving, when he only owed $30,000.

    A truck driver earning between $110,000 and $140,000 per year, Jelani revealed his debt stemmed mostly from gambling via an online dice game.

    A way out

    Ramsey and co-host Jade Warshaw warned Jelani about the mental and financial toll of gambling and the mental traps it creates.

    "Typically, when you have something that’s been such a big part of your life and your habits, just removing it is not enough — you have to replace it with something else," Warshaw said.

    Jelani admitted he quit gambling cold turkey and hadn’t yet sought help through therapy or Gamblers Anonymous, prompting Ramsey to urge him to get support from someone who understands the sobriety process.

    As for a financial recovery plan, Ramsey laid out a no-frills approach:

    1. Create a “scorched-earth, no life” recovery budget where all spending halts except for necessities and tackling debt. “Eat peanut butter and jelly. Eat beans and rice. That’s it,” Ramsey advised.
    2. List debts from smallest to largest and use the snowball method to pay them down aggressively.
    3. Pick up extra shifts at work and aim to increase income as much as possible.

    Ramsey emphasized the urgency of his plan: “You need to do this in a year to 18 months because that indicates the intensity by which you’re running straight into the problem and from the thing that caused the problem — the gambling.”

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    The rise of online gambling

    Online gambling has grown in America. The American Gaming Association reports online casino revenue increased 28.7% in 2024 from a year earlier in the seven states with full-scale legal iGaming. That figure represents $8.41 billion in growth.

    Sports betting also went up nationwide in 2024, with revenue increasing 25.4% up to a record revenue of $13.71 billion. Sports betting’s rise in recent years may largely be attributed to increased accessibility as more states have legalized the practice.

    According to the National Council on Problem Gambling (NCPG), an estimated 2.5 million adults in the U.S. meet the criteria for a severe gambling problem in any given year. The organization also notes around 85% of adults have gambled at least once in their lives, while 60% have gambled within the past year, and that some form of gambling is legal across 48 states and the District of Columbia.

    The NCPG outlines several key warning signs of gambling addiction, which include:

    • Increasing thoughts about, or time and money spent on, gambling
    • Feeling out of control, or continuing to gamble despite negative consequences
    • Chasing losses, or continuing to gamble in an attempt to win back money
    • Feeling restless or irritable when not gambling

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘Being beat on with a sledgehammer’: Florida couple speak out after city issues ‘mind-blowing’ $366K fines for code violations they fixed — and they’re not the only ones facing excessive fees

    ‘Being beat on with a sledgehammer’: Florida couple speak out after city issues ‘mind-blowing’ $366K fines for code violations they fixed — and they’re not the only ones facing excessive fees

    What would you do if your city placed $366,000 in liens on your home after inspectors observed minor violations like broken window frames, cracked outlet covers and peeling paint?

    If you were Lauderdale Lakes residents Kenneth and Mildred Bordeaux, a Florida couple in their 80s, you’d hire a lawyer and fight back.

    "I feel like I’m just being beat on with a sledgehammer, and I don’t understand it," Kenneth told CBS News.

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    Their lawyer Ari Pregen says the city’s actions are completely unfair.

    “It’s absolutely mindblowing to say ‘We’re going to hold your property hostage and we’re not going to allow you to do what you want with your property, to pass it on to your next of kin and your loved ones, because of window cranks and plastic covers,’” he said.

    Now, their efforts — and the media attention — may have borne some fruit.

    How minor violations turned into major fines

    It all started last year when the Bordeauxs — who rent out part of their duplex to cover bills — evicted a tenant.

    When inspectors visited the property following the eviction, they fined the Bordeauxs for six violations, including broken window frames and handles; cracked outlet covers; peeling paint; minor interior door and wall damage; and smoke detectors needing replacement.

    The Bordeauxs say they promptly addressed all the issues and made the required repairs.

    The problem? City inspectors took 222 days to verify that the repairs had been made. Meanwhile, for every one of those 222 days, the city levied additional daily fines of $1,500 per violation — resulting in the $366,142.70 total.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Their attorney, Ari Pregen, said the situation is unreasonable.

    "You can’t charge someone $65,000 for a broken window crank, $55,000 for a broken [cover] plate,” he said.

    The couple applied for a lien reduction, a process allowing property owners to request a lower payment on fines or fees owed to the city.

    Inspectors only offered a 10% reduction, meaning the Bordeauxs would have to pay more than $300,000 to remove the liens on the property, one the couple want to leave to family members.

    "It’s just been absolutely terrible,” Kenneth Bordeaux said.

    CBS Miami has since discovered that other Lauderdale Lakes property owners have been hit with excessive fines and liens due to code inspection delays.

    The news outlet revealed that in its 2025 budget, the City of Lauderdale Lakes is counting on a 161.4% increase in revenue from fines and forfeitures compared to 2024.

    The Bordeauxs’ lawyer notes that levying excessive fines is illegal.

    “We have the excessive fines clause for a reason,” Pregen says. “It prohibits excessive fines.”

    He continues to negotiate with the city — not only to lower the Bordeauxs’ fines and remove the liens on their duplex, but to urge the city to change its policy to protect other homeowners in similar situations.

    In a CBS followup to the story, City Attorney Sidney Calloway rejected the idea that the City of Lauderdale Lakes "acted improperly, has (dragged) its feet or slowed the process" for the Bordeauxs.

    However, he did invite the Bordeauxs to meet with him to reduce how much they owe.

    And CBS discovered the city attorney also reached out to the local business Levy Realty Advisors — one of Lauderdale Lakes’ biggest taxpayers — to talk about reducing $744,000 worth of liens that resulted from similar delays in city inspections.

    How to handle excessive fines on a fixed income

    For retired homeowners like the Bordeauxs living on fixed incomes — primarily Social Security and modest pensions — unexpected fines, fees or repair costs can be ruinous.

    Without sufficient savings, seniors in such situations may accumulate debt and could lose their homes. The added stress can take a toll on physical and mental health, particularly for seniors who don’t have the resources to navigate complex legal and financial systems.

    Legal advocacy and community support can be lifelines. Homeowners facing large municipal fines should first seek legal counsel, especially pro bono services or nonprofit legal clinics that specialize in housing or elder law.

    Organizations such as Legal Aid or the AARP Legal Advocacy Group may offer assistance or connect individuals to local resources.

    Homeowners on fixed incomes who find themselves in the same predicament as the Bordeauxs should consider doing as they have done and bring media attention to the case to increase public pressure and push local governments to revise their enforcement practices or settlement offers.

    Homeowners can also work with housing counselors certified by the U.S. Department of Housing and Urban Development to explore options like financial hardship programs, home equity solutions or income-based repayment plans for liens, where available.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘They’re taking our homes’: Chaos unfolds in Illinois after local lawmaker arrested during council meeting for raising residents’ concerns — now they’re calling for federal intervention

    ‘They’re taking our homes’: Chaos unfolds in Illinois after local lawmaker arrested during council meeting for raising residents’ concerns — now they’re calling for federal intervention

    Tensions flared at a Harvey, Illinois, city council meeting on May 12, as Mayor Christopher Clark ordered the room cleared just 20 minutes into the session. He cited disruptions from residents and supporters of Alderperson Colby Chapman.

    The confrontation underscored growing resident unrest over several issues they face with the southern Chicago suburb’s administration.

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    Arrests and accusations

    Chapman, representing Harvey’s 2nd Ward, has become a central figure in the city’s political turmoil.

    She was arrested during an April 28 council meeting — the second such incident — after attempting to raise concerns about a resident’s property being sold. Video footage shows her being physically removed by police.

    Chapman contends she was merely advocating for a constituent.

    When asked why she didn’t stay silent and just leave, she told FOX 32, "In that moment, I gathered my things, and that’s exactly what I was looking to do. But when three male officers approached me as a female, as I’m trying to gather my things, I think that would startle any person, whether it be man or woman, because there’s this abrasive approach to asking me to leave, and I simply was leaving.

    But the further point is, is all of that insinuated simply because I was being a voice for Ms. Allen?"

    Chapman’s April arrest was for resisting arrest and disorderly conduct. Her mother was charged with the same. However, Chapman denies any physical altercation and explained, "I did not hit an officer (or) push an officer on my way out of the council. Nobody should have to ingest physical behavior simply for inquiry, and unfortunately, I digested that.”

    Residents at the May 12 meeting voiced frustrations over rising water bills, lack of city spending transparency and perceived public input suppression.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    One attendee said, "They don’t want you to speak up with the injustice that’s happening in the Black community. They’re displacing us out of our communities. They’re taking our homes."

    Chapman’s next court appearance is scheduled for June 4. She and her supporters continue to call for a federal investigation into the city’s practices, alleging systemic issues affecting the community’s well-being.

    Soaring property taxes and affordability

    Aside from the issues the residents cited recently, they are also grappling with some of the highest property tax rates in Illinois and even the U.S.

    According to the Civic Federation, Harvey’s estimated effective residential property tax rate was 4.74% in 2022, the highest among 11 selected suburban municipalities in Cook County.

    Another source shows Harvey’s rate reaching nearly 7%, mainly due to declining property values along with stagnant or increasing levies.

    These burdens are compounded by a shrinking tax base. A report by the Illinois Policy Institute noted that from 2007 to 2016, Harvey’s property tax rates nearly doubled as residents left the area, exacerbating the financial strain on those who remained.

    This financial pressure has led some households to make difficult choices in their budgets, such as delaying medical care or utility payments, to meet their tax obligations.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • City of Houston scrambling to fix boarded up buildings and freeways ahead of the 2026 FIFA World Cup — but is the extravagant cost of hosting a major sporting event worth it?

    City of Houston scrambling to fix boarded up buildings and freeways ahead of the 2026 FIFA World Cup — but is the extravagant cost of hosting a major sporting event worth it?

    As the 2026 FIFA World Cup approaches, Houston is cleaning house and undertaking significant infrastructure improvements to prepare for the influx of international visitors that will descend on the city.

    The municipality is addressing issues such as non-functional freeway lighting, deteriorating buildings and outdated public amenities to ensure a welcoming environment for fans.

    But just how big is the scope of the event and the required improvements?

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    Infrastructure overhaul

    The city is set to host seven "Super Bowl-size" matches during the tournament, which is expected to bring in millions of fans from over 100 countries across the globe.

    To prepare, Houston Public Works is prioritizing the repair of freeway lighting, particularly along Interstate 610 and U.S. Highway 59, where many lights are currently inoperative.

    In internal emails, a maintenance manager at Houston Public Works noted challenges such as wire theft, a qualified labour shortage, unreported damage by unknown contractors and knocked down electrical services.

    What’s more, aging infrastructure and coordination with the Texas Department of Transportation for lane closures have complicated these efforts.

    The city is also focusing on demolishing "blighted" and "dangerous" buildings, including the old Greyhound station at 2121 Main Street and an old hotel at 801 St. Joseph’s Parkway in order to improve public safety and aesthetics.

    In addition, the city is cleaning up graffiti, improving landscaping, restriping roads, fixing sidewalks and creating a new park for a month-long "fan fest" party.

    Of course, all these upgrades will come at a cost.

    Economic implications of hosting major world sporting events

    Hosting a major world sporting event, like the FIFA World Cup, is a significant financial undertaking for any city.

    For instance, the 2018 World Cup in Russia cost more than $14 billion, while the 2014 tournament in Brazil totaled approximately $11.6 billion.

    More recently, Qatar spent $229 billion to host the World Cup in 2022, making it the most expensive such undertaking.

    These investments often cover stadium construction, transportation upgrades and other infrastructure projects.

    And while the 11 American host cities are requesting $625 million in federal funding to help finance the needed works, Houston’s own cost is projected to be around $70-$80 million — on par with the projected costs for other cities.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    The pros and cons

    The potential benefits for host cities include infrastructure development, increased tourism and job creation.

    For example, over the five years leading up to the 2018 World Cup in Russia, about 315,000 jobs were created annually. Workers’ income increased by about $5.61 billion (450 billion rubles), and small business profits grew by nearly about $10 billion (800 billion rubles). The country also welcomed 4.2 million tourists in 2018 — 10% more than it did the previous year.

    In Brazil, World Cup-related investments helped finance rapid transit projects in three of the country’s largest cities: Rio de Janeiro, Belo Horizonte and Recife.

    And hosting the 2026 FIFA World Cup could generate more than $5 billion in economic activity for North America. Additionally, host cities could see an estimated $160-$620 million in incremental economic activity, with “a net benefit of approximately $90-$480 million per city after accounting for potential public costs.”

    Houston officials, specifically, are anticipating over $1 billion in revenue as a result of the event.

    Plus, the city could benefit from improved infrastructure and investment in the sport and its incoming athletes in the long run.

    However, there are also risks such as huge costs and budget overruns (Canadian host cities Vancouver and Toronto are already citing “substantial” increases).

    Additionally, hosting such events can also lead to issues of displacement of residents (including lower-income communities), environmental concerns, questionable return on investment and underutilized facilities post-tournament.

    Brazil’s 12 stadiums used in the 2014 World Cup cost 50% more than planned, and just six of the 35 planned transportation projects were completed on time.

    The Popular Committee for the World Cup and Olympics claimed more than 170,000 people were displaced from their Rio de Janeiro homes for games-related purposes, while Beijing was reported to clear 1.5 million people from their homes for the 2008 Olympics.

    Qatar is contending with an even darker legacy, standing accused in the deaths of migrant workers associated with hosting the event.

    In addition, a study by the Wesleyan Business Review highlights environmental concerns, noting that the extensive event preparations can lead to increased pollution and strain on local resources.

    In fact, some cities like Minneapolis, Chicago and Glendale, Arizona withdrew their bids to host in 2026.

    It’s unclear what Houston’s balance sheet will look like when the event has come and gone, but it’s clear that it will require a lot of resources and massive upfront investments, impacting many Houstonians — whether or not they welcome the event in the first place.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Forget Florida — these two unexpected states are the new retirement hot spots, offering lower costs, tax perks and a better quality of life for retirees

    Forget Florida — these two unexpected states are the new retirement hot spots, offering lower costs, tax perks and a better quality of life for retirees

    Retirees are flocking to certain states in large numbers. While their motivations aren’t entirely clear, the growing cost of living — especially property taxes — is a likely factor.

    A John Burns Research and Consulting study ranked states based on their highest and lowest median property tax rates.

    While it can be tempting to save money, retirees should fully understand their finances, including their budget and spending habits, before relocating. This ensures they can afford the move, no matter how financially appealing it may seem.

    Those who are ready might look to West Virginia and South Carolina — two states standing out as retiree hotspots, with property taxes of under 0.5%. Here’s what they offer and what retirees should consider.

    West Virginia

    West Virginia is ranked second best for retirement, just behind Delaware. While an official annual retiree count isn’t available, the U.S. Census Bureau reports that as of 2024, the state has a population of approximately 1.77 million, with over 21% of the population aged 65 and older.

    Dr. Joshua Price, an associate professor of economics with WVU Tech, told 59News that West Virginia offers a low cost of living — 16% below the national average — along with tax incentives. This could likely entice Americans to migrate there — something John Burns data scientist Ian Kennedy predicts, along with its low property taxes.

    As one of the country’s most affordable states, West Virginia residents can better manage inflation than those in many other states. Price noted this as another sticking point, particularly for retirees.

    For example, the state has the ninth-lowest average property tax rate in the U.S. (0.55%). In West Virginia’s capital, Charleston, the median home sale price results in a monthly property tax of less than $120.

    Additionally, taxes on Social Security benefits will be phased out by 2026, benefiting those approaching retirement.

    But West Virginia’s appeal stretches beyond finances. Charleston offers laid-back, scenic mountain living with big-city amenities, as well as a thriving arts and culture scene.

    Nearby towns like Hinton and Point Pleasant are known for their tight-knit, welcoming retirement communities.

    Outside the capital region, popular retirement destinations include:

    • Lewisburg, known for historic architecture and quaint boutiques.
    • Morgantown, a vibrant college town with great health care facilities.
    • Wheeling, offering a low cost of living and recreational options along the Ohio River.

    Of course, no retirement destination is perfect. Challenges in West Virginia include access to health care facilities in rural areas, colder winters with significant snowfall and fewer job opportunities for retirees to supplement their fixed income.

    South Carolina

    South Carolina’s affordability has improved since 2023. However, the overall cost of living remains above average, at about 95.9% of the national mark.

    Utility costs contribute to the higher expenses, while housing remains affordable. Other costs, such as groceries, are around the national average. House prices vary by region, but the state’s median home price — just under $297,000 — is about 17% below the U.S. average.

    What makes South Carolina stand out is its tax structure. There’s no estate tax, Social Security benefits aren’t taxed and 401(k) and IRA withdrawals are only partially taxed.

    The state offers a diverse range of retirement options:

    • Myrtle Beach, known for its iconic waterfront and golfing.
    • Charleston, has rich culture and historic antebellum architecture.

    With nearly 200 miles of coastline, retirees can also find idyllic communities on islands like Kiawah and Seabrook.

    While South Carolina’s mild winters and sunny summers appeal to many, retirees should consider the region’s hot summers (with July highs of 89°F), as well as the risks of hurricanes and flooding. Another potential drawback is the state’s relatively high health care costs.

    All told, John Burns senior vice president of research, Chris Porter, predicts that South Carolina will become a more attractive destination for retirees. "If you were to rank these states over time, I think the Carolinas are moving up that list for sure," Porter told Realtor.com.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.