Living
Have a plan before moving in together
Address shared expenses, insurance and other issues
So you’re thinking about taking your relationship to the next level by moving in together. From a financial planning standpoint, this is a much bigger decision than agreeing on a place and comingling your possessions.
When living together, there is no family law to protect you and you are not afforded the same financial (and legal) protections and benefits as couples that are legally married. While you should consider talking to a legal expert to determine whether you should enter into any contractual obligations, here are a few financial issues to think about.
Determine how to deal with common expenses first. Consider keeping your bank accounts and credit cards in your own name but also establishing a joint account for expenses such as mortgage payments, household utilities, groceries and other essentials. Not all couples earn similar incomes, so think about what is equitable and what you are both comfortable with. Should you contribute toward joint expenses in proportion to your income or simply have a 50/50 split? Should you add money to the pot to include joint entertainment and dining and include a little extra for joint vacations? While this sounds like an unexciting exercise during an exciting time in your life, it is important as longer-term financial planning is often influenced by current cash flow issues. For example, if cash flow is tight, as it is for so many these days, the amount that you feel you should put away monthly for retirement could be reduced by the amount you want to save for that dream vacation or holiday home.
Reaching financial independence takes disciplined planning and this should now be done with both parties’ goals in mind. If one of you earns less and/or has put away less towards saving, yet you envision retiring together and living a similar retirement lifestyle, the partner who falls behind can derail both goals. Discuss when you want to retire, where you want to live and how you envision your retirement. If there are children involved, talk about how one or both of you would like to save and pay for college. Of course, these are not issues specific to same-sex partnerships, but typical for couples living without the legal protection that marriage brings.
Think about protecting yourself in other ways, too. For example, if you buy big-ticket items together like a house or car, speak to an attorney about the best way to title the property and think carefully before only one name is on the loan paperwork unless you have something in writing protecting you against the liability. If the relationship ends, the partner with the debt may be left with little or no legal standing if careful planning strategies have not been executed.
Protecting your income in the event one of you becomes disabled should be another consideration. If your current lifestyle and common long-term goals are contingent on both your incomes and a savings strategy, make sure that you have adequate disability insurance to replace lost income. Also consider how you want your partner to live if you die prematurely. If the partner with less assets or lower earning power is left behind, they will not be afforded the same benefits heterosexual married couples get such as Social Security and pension survivor benefits.
Discuss these issues with each other and speak to an insurance professional about obtaining the appropriate amount of life insurance to make sure you are both provided for. If you believe you will leave a large estate, your partner won’t receive your assets automatically and gift tax-free. Life insurance can help offset these potential inheritance taxes and estate taxes. There are other estate planning issues you should discuss with an attorney such as putting together and executing a will with the appropriate accompanying documents such as a living will and power of attorney.
So, when you are ready to take this big step, don’t forget to focus on your finances so you can move toward planning a financial future with your loved one.
This material is for informational purposes only and is not intended to act as specific advice. Please talk to a financial professional prior to investing and a tax adviser for tax advice. Benefit guarantees for insurance are subject to the claims paying ability of the insurer.
Terry-Ann Gardemal is a certified financial planner and financial adviser with Potomac Financial Management. She can be reached at 301-840-0770, ext. 110 or tagardemal@po- tomacfm.com.
Real Estate
2026: prices, pace, and winter weather
Lingering snow cover, sub-freezing temperatures have impacted area housing market
The D.C. metropolitan area’s housing market remains both pricey and complex. Buyers and sellers are navigating not only high costs and shifting buyer preferences, but also seasonal weather conditions that influence construction, inventory, showings, and marketing time.
Seasonality has long affected the housing market across the U.S. Activity typically peaks in spring and summer and dips in winter; however, January and February 2026 brought unusually cold spells to our area, with extended freezing conditions.
Persistent snow and ice-covered roads and sidewalks have gone for days, and in some cases weeks, before melting. While snow accumulation normally averages only a few inches this time of year, this winter saw below-normal temperatures and lingering snow cover that has significantly disrupted normal activity.
Rather than relying on neighborhood teenagers to shovel snow to make some extra money, the “snowcrete” has required ice picks, Bobcats, and snow removal professionals to clear streets and alleys, free our cars from their parking spaces, and restore availability of mass transit.
These winter conditions have had an adverse impact on the regional housing market in several ways.
- Construction slowdown: New builds and exterior improvements often pause during extended cold, resulting in delayed housing starts when we need affordable housing in the worst way.
- Listing preparation: Cleaning crews, sign installers, photographers, and stagers with trucks full of furniture may be unable to navigate roads and need to postpone service.
- Showings and open houses: Simply put, buyers are less inclined to schedule visits in hazardous conditions. Sellers must ensure walkways and parking areas are clear and de-iced and be able to vacate the property while viewings are taking place.
- Inspection and appraisal delays: Like buyers and sellers, ancillary professionals may be delayed by unfavorable weather, slowing timelines from contract to close.
- Maintenance and repairs: Properties with winter damage (e.g., ice dams or frozen pipes) may experience repair delays due to contractor availability and supply chain schedules. Snow and cold can also affect properties with older and more delicate systems adversely, leading some sellers to delay listing until better conditions arrive.
- Availability of labor: Increasingly, construction, landscaping, and domestic workers are reluctant to come into the District, not because of ice, but because of ICE.
Overall, the District has shown a notable increase in days on the market compared with past years. Homes that once sold in a week or less are now often listed for 30+ days before obtaining an offer, especially in the condominium and mid-range house segments. While part of this shift can be attributed to weather and climate, interest rates, uncertain employment, temporary furloughs, and general economic conditions play key roles.
Nonetheless, we continue to host some of the region’s most expensive residences. Historic estates, including a Georgetown mansion that sold for around $28 million, anchor the luxury segment and reflect ongoing demand for premium urban property.
But even in this high-end housing sector, marketing strategies are evolving based on seasonal realities. Price reductions on unique or niche properties, such as undersized or unconventional homes, reflect a broader market adjustment where competitive pricing can shorten selling time.
For example, a beautifully renovated, 4-story brick home with garage parking and multiple decks that overlook the Georgetown waterfront sold in early February for 90 percent of the list price after 50 days on the market.
At the other end of the spectrum, a 2-bedroom investor-special rowhouse in Anacostia only took eight days to sell for under $200,000, down 14 percent from its original list price. In addition, four D.C. homes took more than 250 days to sell, including an 8-bedroom rooming house that was on the market for 688 days and closed after a 23 percent downward price adjustment.
Some frustrated sellers are simply taking their homes off the market rather than dropping prices below their mortgage balances, although we are beginning to see the resurgence of short sales for those who must sell.
Condominiums and cooperatives offer many opportunities for buyers and investors, with 1,100 of them currently on the market in D.C. alone. List prices run the gamut from $55,000 for a studio along the Southwest Waterfront to nearly $5 million for five bedrooms, four full baths, and 4,400 square feet at the Watergate.
So, while Washington metro area prices remain high, the pace of sales now reflects both seasonal and economic realities. Homes taking longer to sell, in part caused by elements of winter, signal a shifting market where buyers can take more time to decide which home to choose and have a better negotiating posture than in recent years.
Accordingly, sellers must continue to price strategically, primp and polish their homes, and prepare for additional adverse circumstances by reviewing fluctuating market conditions with their REALTOR® of choice.
Valerie M. Blake is a licensed Associate Broker in DC, MD & VA with RLAH @properties. Call or text her at (202) 246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.
Autos
Going for gold: Ford Bronco Sport vs. Toyota RAV4
SUV world has share of bright lights, bold entrances, cut-throat competitors
Let the games begin! Just like the Winter Olympics this month, the SUV world has its share of bright lights, bold entrances, and cut-throat competitors.
Enter the Ford Bronco Sport and Toyota RAV4, both ready to claim the podium but each with a different routine. Think hiking boots versus minimalist trainers. Dirt trails versus perfectly paved roadways.
FORD BRONCO SPORT
$34,000
MPG: 25 city/30 highway
0 to 60 mph: 8.2 seconds
Cargo space: 32.5 cu. ft.
PROS: Boxy chic. Off-road ready. Easy-clean interior.
CONS: Meh gas mileage. Firm ride. Outside noise.
The Bronco Sport doesn’t try to blend in — and that’s the point. With an upright stance, squared lines and retro-rugged styling, this compact SUV looks ready for a backcountry photoshoot before you’ve even left the driveway.
Power comes from a three-cylinder turbo engine that handles daily driving with ease. Opt for the four-cylinder turbo, and the personality shifts from relaxed to assertive. Passing power improves. Highway merges are confident rather than cautious.
The standard 4×4 system sets the tone immediately. Traction is constant. Confidence is built in. Add the G.O.A.T. drive trains (in Ford cute-speak, this means “Goes Over Any Terrain”), and the Bronco Sport adapts to mud, sand, snow and rocks like a decathlete moving between events. Higher trims add skid plates, upgraded suspension and special hardware that makes rough territory feel less intimidating.
On pavement, the Bronco Sport is stable and composed, though the firm suspension can be ass-busting over deep potholes and such. And wind noise at highway speeds is kinda annoying, a tradeoff for the boxy profile.
Inside, durability meets thoughtful design. Rubberized surfaces and easy-clean materials welcome muddy boots, sandy paws or ambitious weekend projects. The cargo area features a flip-up rear window and adjustable floor, making it a breeze to load gear. Storage cubbies and nylon straps keep equipment organized without fuss.
Safety and other tech amenities are modern and practical. Wireless smartphone integration, cameras and driver-assistance gizmos such as adaptive cruise control make daily driving and long trips easier to manage.
What truly sets this SUV apart? In a sea of aerodynamic lemmings, the Bronco Sport feels like a free spirit. Rugged. Confident. A little rebellious.
And, like alpine skier Breezy Johnson, it looks particularly good with a bit of trail dust.
TOYOTA RAV4

$34,000
MPG: 47 city/40 highway
0 to 60 mph: 7.1 seconds
Cargo space: 37.8 cu. ft.
PROS: Fuel savvy. Spacious. Tech-laden features.
CONS: Less-sporty ride. Blasé base trim. Pricey options.
If the Bronco Sport is the adventurous wanderer, the Toyota RAV4 is the precision athlete who arrives early, stretches properly and performs effortlessly. Cue figure skaters Amber Glenn or Paul Poirier and you get the picture.
Fully redesigned for 2026, this compact SUV retains a formula that has made it one of the best-selling vehicles in America, blending efficiency, versatility and lots of tech features.
Toyota nixed the traditional gas engine for the RAV4, but that’s just fine. All models are now either standard hybrids, with fuel economy in the mid-40 mpg range, or plug-in hybrids, which can go up to 50 miles on battery power alone. The result: Vehicles that can handle daily commutes in near silence while retaining long-distance flexibility that would make an Olympic coach proud.
Acceleration is smooth and responsive, particularly in the plug-in hybrid, which is surprisingly quick. The transition between electric and gas power is seamless, though heavy throttle inputs mean the engine sometimes sounds strained. Handling is more predictable than sporty, so this was a minor deduction on the RAV4’s scorecard … at least from me.
But overall comfort is outstanding. The suspension absorbs potholes and uneven pavement with ease, and cabin noise remains impressively low at highway speeds. Long road trips feel relaxed rather than fatiguing — less triathlon grind, more victory lap.
Toyota’s Safety Sense offers adaptive cruise control, lane-keeping assist, enhanced collision avoidance and other systems that operate smoothly without seeming intrusive.
Inside, the revamped cabin is user-friendly. Materials are more refined than before, especially in mid- and upper-level trims. A large, high-resolution touchscreen supports the latest apps, voice commands and over-the-air updates. Such a layout is intuitive instead of flashy — stylish athleisure rather than couture.
Passenger space is generous, and cargo capacity remains among the most practical in this segment. The wide opening is especially helpful when tossing in luggage, sports equipment or an overly optimistic warehouse haul.
For drivers like me who are quick to judge efficiency, reliability and daily usability, the RAV4 delivered a gold-medal performance.
Valentine’s Day is often portrayed as a celebration of romantic love — flowers, chocolates, and candlelit dinners. But for many LGBTQ+ individuals and couples, Valentine’s Day can also be a moment to reflect on something deeper: the love that creates a safe, welcoming home.
For LGBTQ+ home buyers and sellers, homeownership is more than a financial milestone—it is an act of belonging, resilience, and pride. Owning a home can mean finally having a place where you can hold hands with your partner on the front porch, decorate with your authentic style, and build a life free from judgment. In this way, buying or selling a home is one of the most meaningful love stories many LGBTQ+ people will ever write.
This Valentine’s Day, whether you’re a first-time gay home buyer, a same-sex couple upgrading your space, or an LGBTQ+ seller moving on to your next chapter, it’s worth thinking about how love, identity, and real estate intersect—and how to navigate that journey with confidence, protection, and the right support.
Love, Identity, and the Meaning of ‘Home’
For generations, LGBTQ+ people were denied equal access to housing, homeownership, and legal protections. Even today, many LGBTQ+ home buyers still face subtle bias, uncomfortable interactions, or outright discrimination in the real estate process.
That’s why finding LGBTQ+ friendly real estate and an affirming gay friendly realtor or lesbian realtor matters so much. A home isn’t just a building—it’s a personal sanctuary. Working with LGBTQ+ real estate agents who understand your lived experience can make all the difference between a stressful transaction and a joyful one.
For over 30 years, GayRealEstate.com has been the leading gay real estate network, connecting LGBTQ+ home buyers and sellers with gay real estate agents, lesbian real estate agents, and LGBTQ+ friendly realtors who truly “get it.” Their mission has always been simple yet powerful: to ensure that every LGBTQ+ person has access to safe, respectful, and inclusive real estate services.
Finding Your Match: Choosing the Right LGBTQ+ Friendly Realtor
Much like dating, finding the right real estate agent is about compatibility, trust, and communication. Here are some key tips for choosing the best LGBTQ+ real estate representation:
- Look for experience with LGBTQ+ clients. Search for a gay realtor near me or lesbian realtor near me through GayRealEstate.com, where agents are vetted for cultural competency and community commitment.
- Ask about their experience with same-sex couple home buying. A strong agent should understand issues like joint ownership, legal protections, and financing considerations.
- Choose someone who listens. You should feel safe sharing your priorities—whether that includes proximity to LGBTQ+ nightlife, affirming schools, or lesbian-friendly neighborhoods.
- Prioritize respect and transparency. Your agent should advocate for you, not just push a quick sale.
The right gay friendly real estate agent isn’t just helping you buy a house—they’re helping you find a place to build your life.
Best Cities for LGBTQ+ Home Buyers
If love is your compass, location is your map. Some of the best cities for LGBTQ+ home buyers consistently offer strong community presence, legal protections, and welcoming neighborhoods:
- Wilton Manors, Florida – A hub for LGBTQ+ culture with thriving LGBTQ+ real estate opportunities
- Palm Springs, California – A long-standing LGBTQ+ retirement and second-home destination
- Provincetown, Massachusetts – Historic LGBTQ+ community with progressive housing protections
- Asheville, North Carolina – Growing market with inclusive real estate services
- Fort Lauderdale, Florida – Diverse, welcoming, and highly sought-after for LGBTQ+ home ownership
Working with GayRealEstate.com allows you to connect with local LGBTQ+ real estate experts who know these markets inside and out.
Navigating Legal Protections in LGBTQ+ Real Estate
Love is universal—but legal protections are not always consistent. Understanding your rights is essential when buying or selling a home as an LGBTQ+ person.
Key protections include:
- Fair Housing Act (FHA): Prohibits discrimination based on sex, which courts have increasingly interpreted to include sexual orientation and gender identity.
- State and local protections: Many cities and states offer additional safeguards against LGBTQ+ housing discrimination.
- Same-sex couple legal considerations: If you are married, joint ownership is typically straightforward. If not, consult an attorney about co-ownership agreements.
A knowledgeable LGBTQ+ friendly realtor from GayRealEstate.com can help guide you through these complexities and connect you with trusted legal professionals when needed.
Buying a Home as an LGBTQ+ Person: Practical Tips
If you’re embarking on your home-buying journey this Valentine’s season, here are smart, practical steps to take:
- Clarify your priorities. Do you want a vibrant LGBTQ+ neighborhood, quiet suburbs, or access to queer community spaces?
- Get pre-approved for a mortgage. This strengthens your position in competitive markets.
- Work with an LGBTQ+ real estate agent. Searching “finding a gay real estate agent” or “finding a lesbian real estate agent” through GayRealEstate.com is a great first step.
- Research inclusive communities. Some neighborhoods are more welcoming than others.
- Know your rights. If you experience bias, document it and seek legal guidance.
Buying a home is an act of self-love—and community love.
Selling a Home as an LGBTQ+ Person
Selling can be just as emotional as buying, especially if your home represents years of memories with your partner, friends, or chosen family.
When selling a home as an LGBTQ+ person, consider:
- Working with a gay friendly realtor who will market your home inclusively
- Highlighting LGBTQ+ community appeal in listings
- Being prepared for potential buyer bias (and knowing how to respond)
- Leaning on GayRealEstate.com’s LGBTQ+ real estate services for trusted guidance
Your story—and your home—deserve respect.
Real Estate for LGBTQ+ Families
More LGBTQ+ couples are raising children, fostering, or building blended families. This makes homeownership even more meaningful.
When searching for real estate for LGBTQ+ families, consider:
- LGBTQ+ affirming school districts
- Family-friendly queer communities
- Safe neighborhoods with inclusive values
- Access to LGBTQ+ resources and social networks
GayRealEstate.com specializes in helping LGBTQ+ families find homes that truly fit their lives.
Love, Pride, and Homeownership
At its core, Valentine’s Day is about connection. For LGBTQ+ people, homeownership can be one of the most profound expressions of love—love for yourself, your partner, your family, and your future.
Whether you are a first-time gay home buyer, a same-sex couple relocating, or an LGBTQ+ seller moving forward, you deserve an experience rooted in dignity, fairness, and celebration.
For over three decades, GayRealEstate.com has stood as the leading source for LGBTQ+ real estate, gay real estate, lesbian real estate, and LGBTQ+ home buying and selling representation. Their nationwide network of gay real estate agents, lesbian-friendly real estate agents, and LGBTQ+ friendly realtors ensures that your real estate journey is guided by professionals who understand your heart—and your home.
This Valentine’s Day, let your next chapter be written in a place where you can truly belong. Because when love leads the way, home is never far behind.
Scott Helms is president and owner of Gayrealestate.com.
