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But it also affects your safety net. If rent is 60% of your income, it's much easier to drown in it than if it's 30%. Especially considering once you start drowning, you'll need to pull 3 months' rent out of somewhere for the deposit of a new (cheaper) place.

It also makes it make more sense to live in a car. A car costs the same, mostly everywhere, so if you're in a stupidly expensive location, it might start to sound reasonable to live in a van.

Drugs, poor financial literacy and insanity are the main reasons, but expensive housing is also there.



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