Issue 1, 2026

Home Ownership:
Navigating High-Cost Markets

7 Key Tools

Nationally, it takes about seven years to save a down payment for a home. But in high-priced coastal and urban markets that saving could take decades, crushing the home-ownership dreams of many.

While the home ownership dream in high-cost markets may feel impossible, there are real options – even for buyers with low to moderate incomes.

When it comes to home-buying in the nation’s highest-priced markets, your dream just may be possible with the help of seven key tools, including:

1. Down Payment Assistance Programs
2. Family Gifts
3. Shared Equity Home-ownership
4. FHA Loans
5. VA Loans
6. Starting Small
7. Co-Buying

View the mini-webinar

Learn more about each of these tools in My Penny Earned’s Home Ownership: Navigating High-Cost Markets mini-webinar.

In just a few minutes, you may discover new hope for your ownership dream.

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Are you Expecting?

How can I save when I get a tax refund? 

Are you one of the happy ones expecting a tax refund this year? Before you leap into paying for a cruise or buying a new car, try some brainstorming to explore other options. 

The Consumer Financial Protection Bureau offers a simple guide that will help you do just that: Discover ways to use your refund – without losing the joy of what may feel like “found money.” 

​In addition to ideas for your tax refund, the Building Your Savings guide includes helpful ideas to save more, including:

• What could saving make possible for me?
• How can I plan to save?
• How can I save more in my current situation?
• How much can I save this month?
• How can I manage my cash flow better?
• Where can I put my savings?
• How can I save when I get a tax refund?
• How can I prepare for unexpected expenses?

Click here for your free copy.