Living
Protecting your nest egg
Even with the economy recovering, it’s best to plan for rainy days

Take steps to prevent future crises and protect your own nest egg.
StatePoint — From increased unemployment to commonplace home foreclosures, it’s hard to forget the devastating effects of the 2008 financial crisis and the worst recession since the Great Depression.
While the hope is that regulatory bodies and bureaus created in the crisis’ wake will help prevent a recurrence, some experts say these reforms were shaped by the same entities responsible for the crisis, but that citizens have the power to chart a different course for their own economic futures.
“Whether policies were formed with selfless or selfish intentions, you don’t need to quietly agree to them, especially if they are misguided. We have a system that can respond to the efforts of individual citizens,” says Jay W. Richards, Distinguished Fellow at the Institute for Faith, Work & Economics and author of the new book, “Infiltrated: How to Stop the Insiders and Activists Who Are Exploiting the Financial Crisis to Control Our Lives and Our Fortunes.”
In his book, Richards suggests that complacency on the part of ordinary citizens will lead to more serious financial disasters. He encourages readers to take steps to prevent future crises and protect their own nest eggs:
• Get informed: “Many culpable entities used the crisis fallout to lay blame elsewhere and increase their own power,” Richards says. “But with knowledge, prudence and intelligent action, history won’t have to repeat itself.”
“The only way to prevent deception and cynicism during future crises is for ordinary citizens to get informed and outraged enough to change our fiscal and regulatory trajectory,” says Richards.
• Take control: Online educational resources can help you get informed. To brush up on basic financial skills, visit MyMoney.gov, a site created by the Financial Literacy and Education Commission with information on how to save, what to consider when borrowing, and how to make a budget.
• Diversify: Experts recommend balancing different types of assets, such as cash, stocks, bonds and commodities. Having different types of investments means you might be better shielded from economic crises, because some assets might fall while others might rise.
• Don’t rely on your home: If the recession taught people anything, it’s not to rely too much on home equity for retirement. Many think their homes are more valuable than they really are or will be when it’s time to retire.
• Be philanthropic: “Those concerned about the future should be the first to grow effective local organizations providing real safety nets for the destitute,” says Richards, who believes philanthropy is a moral responsibility best left to communities.
• Think of the future: When a consumer borrows, she or he alone bears the debt. However, when the government over-spends for short-term goals, future generations are expected to foot some, or all, of the bill. “This is immoral and no fancy economic theory can change that,” Richards says.
Be civic: Your vote matters to politicians. Call, write and visit them to express concerns over economic regulations you don’t support.
More information about “Infiltrated” can be found at InfiltratedTheBook.com.
Remember, you don’t need a PhD in economics to stay informed.
Dear Michael,
I keep getting rejected on the apps. I don’t want to put myself out there anymore.
I don’t understand gay men. I think they behave really badly.
Guys stop replying in the middle of a text conversation and then un-match me. Guys don’t show up when we make a plan to meet. After a date or even a hookup that it seems clear we both enjoyed, I never hear from the guy again.
I am a pretty good looking and successful guy. I’m not a model or a billionaire but I’m sincerely wanting to date and eventually share a life with someone.
Unfortunately, everyone I am meeting, even if they say they have similar aspirations for a partner, acts like they’re looking over my shoulder for something better, and drops me for I-don’t-know-what reason.
I don’t have a lot of trust in the sincerity of gay men.
I know I sound bitter but I’ve been at this for a while and it keeps happening.
I know there’s a saying that if it keeps happening to you, you must be the problem. Logically that makes sense.
Except, I think this keeps happening so often and so predictably that it’s not me. These people hardly know me. It’s more along the lines of, if everything about me isn’t exactly what they want, or some little thing that I say, think, or do offends them, they vanish.
I’m lonely, but what’s out there is awful. Maybe it’s best to not keep trying.
If you have a different way of seeing it that’s honest, not just some fluff to make me feel better and be hopeful, please enlighten me.
Michael replies:
I agree with you, there is a lot of this kind of behavior out there. I hear stories similar to yours all the time. Though people do find great relationships online, relying on apps to meet a partner can be tricky.
Hookup apps have little to do with any kind of real connection. Often, they don’t even have much to do with sex. For a lot of people, they’re more about trying to fill up some kind of emptiness and seeking validation. They also, obviously, objectify men, which is the opposite experience of what you’re seeking.
And dating apps lend themselves to a sort of takeout menu concept of dating. You get to specify exactly what you’re looking for—a little of this, a lot of that, please omit something else—and then believe you should get what you ordered. As if that really exists. And when something isn’t just what you wanted, forget it.
But life doesn’t work that way. Nor do people: You can enter the exact criteria for the man of your dreams, but he will surprise you or let you down at times in some major ways. That’s how it goes. Part of being in a relationship is accepting that we all have to deal with imperfection.
All that said, hordes of people are going to keep using all sorts of apps and keep looking for “perfect” partners and keep ditching perfectly fine guys for the most minuscule of reasons.
But that doesn’t mean that you have to stay on the apps if it’s demoralizing you and leaving you hopeless.
Before you sign off, perhaps you would like to have some fun and be creative. Just for example, you could write in your profile that you’re interested in meeting a guy who isn’t looking for perfection and is looking for a decent soul rather than a set of stats. You still might encounter a lot of guys who ghost you for no apparent reason, but you also might have some luck finding a sincere someone with relationship goals that are similar to yours.
Another, complimentary strategy: Toughen up your attitude to stop letting let these rejections get under your skin. They have little to do with who you are (unless you are oblivious to some major issue about yourself), so you needn’t take them personally. In other words, expect this to keep happening; and when it does, laugh and keep moving forward.
I understand you are feeling like giving up on gay men in general. Keep in mind that while there are a lot of reasons why many gay men focus more on sex and less on commitment, that isn’t true across the board. In my work over the years, I have met many gay men who are looking for what you’re seeking. You could strive to be hopeful that if you keep looking, you are likely to cross paths with some of them.
And where you look may play a role.
Whether or not you stay on the apps, I suggest you seek additional ways to meet a potential boyfriend. Before apps existed, people did find other ways to meet romantic partners, and these ways do still exist. I know that this path is not an easy one. The whole dating endeavor isn’t easy. But difficult is not impossible.
There are social and activity groups for gay men that are organized around some sort of shared interest. They aren’t overtly sexual, so often attract people who are interested in and looking for a deeper connection. Even if you don’t meet a boyfriend there, you might make some like-minded friends, and one thing may lead to another in all sorts of ways.
There’s also plenty you can do as a human being (not simply as a gay man) in the offline world that might interest and even uplift you, where you just might meet a man you like. Again, you might also simply make some friends, and through having a bigger social life, might ultimately meet your guy.
Simply put: Don’t let yourself feel like or be a victim. Don’t keep putting yourself in miserable situations. And figure out what it means for you to do your best to make what you’d like to happen, happen.
Michael Radkowsky, Psy.D. is a licensed psychologist who works with couples and individuals in D.C., Maryland, Virginia, and New York. He can be found at michaelradkowsky.com. All identifying information has been changed for reasons of confidentiality. Have a question? Send it to [email protected].
Real Estate
New year, new housing landscape for D.C. landlords
Several developments expected to influence how rental housing operates
As 2026 begins, Washington, D.C.’s rental housing landscape continues to evolve in ways that matter to small landlords, tenants, and the communities they serve. At the center of many of these conversations is the Small Multifamily & Rental Owners Association (SMOA), a D.C.–based organization that advocates for small property owners and the preservation of the city’s naturally occurring affordable housing.
At their December “DC Housing Policy Summit,” city officials, housing researchers, lenders, attorneys, and housing providers gathered to discuss the policies and proposals shaping the future of rental housing in the District. The topics ranged from recent legislative changes to emerging ballot initiatives and understanding how today’s policy decisions will affect housing stability tomorrow.
Why Housing Policy Matters in 2026
If you are a landlord or a tenant, several developments now underway in D.C., are expected to influence how rental housing operates in the years ahead.
One of the most significant developments is the Rebalancing Expectations for Neighbors, Tenants and Landlords (RENTAL) Act of 2025, a sweeping piece of legislation passed last fall and effective December 31, 2025, which updates a range of housing laws. This broad housing reform law will modernize housing regulations and address long-standing court backlogs, and in a practical manner, assist landlords with shortened notice and filing requirements for lawsuits. The Act introduces changes to eviction procedures, adjusts pre-filing notice timelines, and modifies certain tenant protections under previous legislation, the Tenant Opportunity to Purchase Act.
At the same time, the District has expanded its Rent Registry, to have a better overview of licensed rental units in the city with updated technology that tracks rental units subject to and exempt from rent control and other related housing information. Designed to improve transparency and enforcement, Rent Registry makes it easier for all parties to verify rent control status and compliance.
Looking ahead to the 2026 election cycle, a proposed ballot initiative for a two-year rent freeze is generating significant conversation. If it qualifies for the ballot and is approved by voters, the measure would pause rent increases across the District for two years. While still in the proposal phase, it reflects the broader focus on tenant affordability that continues to shape housing policy debates.
What This Means for Rental Owners
Taken together, these changes underscore how closely policy and day-to-day operations are connected for small landlords. Staying informed about notice requirements, registration obligations, and evolving regulations isn’t just a legal necessity. It’s a key part of maintaining stable, compliant rental properties.
With discussions underway about rent stabilization, voucher policies, and potential rent freezes, long-term revenue projections will be influenced by regulatory shifts just as much as market conditions alone. Financial and strategic planning becomes even more important to protect your interests.
Preparing for the Changes
As the owner of a property management company here in the District, I’ve spent much of the past year thinking about how these changes translate from legislation into real-world operations.
The first priority has been updating our eviction and compliance workflows to align with the RENTAL Act of 2025. That means revising how delinquent rent cases are handled, adjusting notice procedures, and helping owners understand how revised timelines and court processes may affect the cost, timing, and strategy behind enforcement decisions.
Just as important, we’re shifting toward earlier, more proactive communication around compliance and regulatory risk. Rather than reacting after policies take effect, we’re working to flag potential exposure in advance, so owners can make informed decisions before small issues become costly problems.
A Bigger Picture for 2026
Housing policy in Washington, D.C., has always reflected the city’s values from protecting tenants to preserving affordability in rapidly changing neighborhoods. As those policies continue to evolve, the challenge will be finding the right balance between stability for renters and sustainability for the small property owners who provide much of the city’s housing.
The conversations happening now at policy summits, in Council chambers, and across neighborhood communities will shape how rental housing is regulated. For landlords, tenants, and legislators alike, 2026 represents an opportunity to engage thoughtfully, to ask hard questions, and to create a future where compliance, fairness, and long-term stability go hand-in-hand.
Real Estate
Unconventional homes becoming more popular
HGTV show shines spotlight on alternatives to cookie cutter
While stuck in the house surrounded by snow and ice, I developed a new guilty pleasure: watching “Ugliest House in America” on HGTV. For several hours a day, I looked at other people’s unfortunate houses. Some were victims of multiple additions, some took on the worst décor of the ‘70s, and one was even built in the shape of a boat.
In today’s world, the idea of what a house should look like has shifted dramatically. Gone are the days of cookie-cutter suburban homes with white picket fences. Instead, a new wave of architects, designers, and homeowners are pushing the boundaries of traditional housing to create unconventional and innovative spaces that challenge our perceptions of what a home can be.
One of the most popular forms of alternative housing is the tiny house. These pint-sized dwellings are typically fewer than 500 square feet and often are set on trailers to allow for mobility. Vans and buses can also be reconfigured as tiny homes for the vagabonds among us.
These small wonders offer an affordable and sustainable living option for those wishing to downsize and minimize their environmental footprint. With clever storage solutions, multipurpose furniture, and innovative design features, tiny homes have become a creative and functional housing solution for many, although my dogs draw the line at climbing Jacob’s Ladder-type steps.
Another unusual type of housing gaining popularity is the shipping container home. Made from repurposed shipping containers, these homes offer a cost-effective and environmentally friendly way to create modern and sleek living spaces. With their industrial aesthetic and modular design, shipping container homes are a versatile option for those contemplating building a unique and often multi-level home.
For those looking to connect with nature, treehouses are a whimsical and eccentric housing option. Nestled high up in the trees, these homes offer a sense of seclusion and tranquility that is hard to find in traditional housing. With their distinctive architecture and stunning views, treehouses can be a magical retreat for those seeking a closer connection to the natural world.
For a truly off-the-grid living experience, consider an Earthship home. These self-sustaining homes use recycled construction materials and rely on renewable energy sources like solar power and rainwater harvesting. With their passive solar design and natural ventilation systems, Earthship homes are a model of environmentally friendly living.
For those with a taste for the bizarre, consider a converted silo home. These cylindrical structures provide an atypical canvas for architects and designers to create modern and minimalist living spaces. With curved walls and soaring ceilings, silo homes offer a one-of-a-kind living experience that is sure to leave an impression.
Barn homes have gained popularity in recent years. These dwellings take the rustic charm of a traditional barn and transform it into a modern and stylish living space. With their open, flexible floor plans, lofty ceilings, and exposed wooden beams, barn homes offer a blend of traditional and contemporary design elements that create a warm and inviting atmosphere, while being tailored to the needs and preferences of the homeowner.
In addition to their unique character, barn homes also offer a sense of history and charm that is hard to find in traditional housing. Many of them have a rich and storied past, with some dating back decades or even centuries.
If you relish life on the high seas (or at a marina on the bay), consider a floating home. These aquatic abodes differ from houseboats in that they remain on the dock rather than traverse the waterways. While most popular on the West Coast (remember “Sleepless in Seattle”?), you sometimes see them in Florida, with a few rentals available in Baltimore’s Inner Harbor and infrequent sales at our own D.C. Wharf. Along with the sense of community found in marinas, floating homes offer a peaceful retreat from the hustle and bustle of city life.
From tiny homes on wheels to treehouses in the sky or homes that float, these distinctive dwellings offer a fresh perspective on how we live and modify traditional thoughts on what a house should be. Sadly, most of these homes rely on appropriate zoning for building and placement, which can limit their use in urban or suburban areas.
Nonetheless, whether you’re looking for a sustainable and eco-friendly living option or a whimsical retreat, there is sure to be an unconventional housing option that speaks to your sense of adventure and creativity. So, why settle for a run-of-the-mill ranch or a typical townhouse when you can live in a unique and intriguing space that reflects your personality and lifestyle?
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH @properties. Call or text her at 202-246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.
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