It’s been 55 years since Bryan Adams’ Summer of ’69. (That’s 55 years prior to the latest CFPB action against a lender.) Here in Hawai’i, the population during that time has increased, but has leveled off in recent years at about 1.4 million (for perspective, matching San Diego’s population) housed in 572,000 housing units (62 percent owner occ). Nationwide, “tying the knot” before buying a place has become more optional over time. The U.S. Census Bureau released estimates showing that married-couple households made up 47 percent of all households in 2022, down from 71 percent in 1970. Estimates from the America’s Families and Living Arrangements also show that about 80 million U.S. households in 2019 were family households. Of those, 58 million were married-couple households, about 6 million were a male householder with no spouse present, and 15 million were a female householder with no spouse present. Additionally, nonfamily households were about 19 percent of all households in 1970, but by 2022, they made up about 36 percent of all households. Women living alone made up the largest percentage of nonfamily households in both 1970 (12 percent) and 2022 (16 percent). Fabled bachelor pads? The share of households with men living alone grew from about 6 percent in 1970 to about 13 percent in 2022. Today’s podcast is found here, and this week’s is Sponsored by Quontic whose mission is to help creditworthy borrowers obtain home loans and give them the “yes” they’ve been waiting for. Hear an interview with attorney Brian Levy on the Consumer Finance Protection Bureau’s inquiry into junk fees contributing to increasing mortgage closing costs.