In a recent post I demonstrated how life stage drives Millennial choice on where to live. In the Washington, DC metro area, for example, 38% of college educated, single Millennials live downtown. In contrast, only 8% of married Millennials with children do so. Homebuilders and financial institutions would be well-advised to account for the impending, inevitable shifts in demand for housing. Life stage drives other abrupt changes in consumer lifestyles, priorities, and purchas

There's been a lot of discussion regarding how financially-challenged Millennials are due to education debt. For example, there are many reports on the negative impact of debt on home ownership. While it's true that Millennial college graduates own homes at lower rates than Gen X did, it's the non-graduates we should be most concerned about. Not only have non-graduate home ownership rates fallen by over twice as much as they have for graduates, but also there will ultimately