Napa is one of the lucky California cities to be synonymous with world-class wines. But there is a whole lot more to moving to Napa than the many exquisite vineyards. It’s a destination where history, innovation, and nature converge to create a unique experience for everyone.
From lifelong locals to those renting an apartment in Napa for a few months, the city invites all to explore its picturesque downtown, indulge in the local food, and unwind amid pristine nature.
Whether it’s through the architecture of its historic buildings or the innovative spirit of its winemakers, every square inch of Napa has a story to tell. Let’s delve into the specifics that make Napa an unforgettable city to explore and finally answer the question, what is Napa known for?
1. Napa Valley Wine Train
The Napa Valley Wine Train is not just a mode of transportation but a historical journey that takes you back in time. Traveling through Napa’s scenic landscapes in meticulously restored vintage railcars, guests are treated to fine dining and exquisite wine pairings. The train offers a variety of tours, including winery visits and murder mystery dinners, making it a unique experience for wine enthusiasts and history buffs.
2. Oxbow Public Market
Located in the heart of downtown Napa, the Oxbow Public Market is a foodie’s paradise. This bustling marketplace is full of local artisans and farmers offering a wide array of food and wine. From rare cheeses and fresh baked goods to gourmet coffee and craft beer, the market provides a taste of Napa’s local flavors in a lively setting.
3. Culinary Institute of America at Copia
The Culinary Institute of America at Copia brings the world of culinary arts to Napa. Offering cooking classes, wine tastings, and dining experiences, Copia is a playground for foodies. Visitors can deepen their culinary knowledge, explore the latest in food trends, and savor dishes prepared by chefs in training.
4. Castello di Amorosa
Castello di Amorosa is a testament to Napa’s mixture of history and winemaking excellence. This authentic 13th-century Tuscan castle winery offers tours of its grand architecture, sprawling vineyards, and dungeons. Wine tastings here are an immersive experience, allowing visitors to savor the castle’s award-winning wines in a setting straight out of medieval Italy.
5. Hess Collection Winery & Art Museum
The Hess Collection Winery & Art Museum merges the world of contemporary art with fine winemaking. Located atop Mount Veeder, this winery houses an impressive collection of modern art alongside its tasting rooms. Visitors can enjoy a unique experience of exploring art exhibits, followed by tastings of Hess’s acclaimed wines.
6. Napa Valley Opera House
The Napa Valley Opera House has been a cultural nucleus for live performances in the Napa area since the 19th century. Restored to its former glory, it now hosts a range of events, from concerts and theater productions to comedy shows and lectures.
7. Robert Louis Stevenson State Park
For outdoorsy types, Robert Louis Stevenson State Park has hiking trails that lead to breathtaking views of Napa Valley and beyond. The park, named after the famous author who honeymooned in the area, provides a peaceful retreat with its dense forests, rugged terrain, and the iconic Mount St. Helena.
8. Napa Valley Balloons
Experiencing Napa from the sky with Napa Valley Balloons is the best way to view the region’s rolling vineyards and majestic landscapes. This once-in-a-lifetime adventure provides a serene and breathtaking perspective of Napa at sunrise. Balloon rides are often followed by a champagne breakfast, making it a perfect start to any day in Napa.
9. Silverado Trail
The Silverado Trail, a historic road that runs parallel to the busier Highway 29, is a quieter route through Napa Valley. It’s favored by locals and savvy visitors for its scenic beauty and access to some of the region’s most prestigious wineries. The trail also offers picturesque spots for picnics and photo ops, making it a must-drive for anyone visiting Napa.
10. Di Rosa Center for Contemporary Art
The Di Rosa Center for Contemporary Art is a hidden gem in Napa, showcasing the arts of Northern California. Set amidst a stunning natural landscape, the center features galleries, a sculpture park, and a wildlife preserve. It offers a refreshing contrast to the wine-focused attractions and highlights the impressive talents of regional artists.
Memphis, TN, is a city buzzing with music, history, and some of the best barbecue you’ll ever taste. Living here means you’re never far from a live blues show or an interesting museum, making it a great place for those who love culture and entertainment. The question, “should I move to Memphis?” crosses many minds, especially when considering the city’s unique blend of urban life and southern charm. Memphis stands out for its strong sense of community and the famous Graceland, the home of Elvis Presley, which attracts visitors from all over the world. In this article, we’ll discuss the pros and cons of living in Memphis to help you decide if it’s the right place for you. Let’s dive in.
Memphis at a Glance
Walk Score: 35 | Bike Score: 41 | Transit Score: 22 Median Sale Price: $187,500 | Average Rent for 1-Bedroom Apartment: $1,065 Memphis neighborhoods | houses for rent in Memphis | apartments for rent in Memphis | homes for sale in Memphis
Pro: Music lover’s paradise
Memphis, is synonymous with the soulful strains of blues, rock ‘n’ roll, and soul music. The city is home to the legendary Sun Studio, where icons like Elvis Presley and Johnny Cash recorded their first tracks. Beale Street, with its vibrant nightlife and live music venues, offers an immersive experience into the city’s musical legacy. This cultural richness provides residents with a unique sense of pride and a plethora of entertainment options.
Con: Hot and humid summers
The climate in Memphis can be challenging, especially during the summer months. The city currently ranks #4 in the list of U.S. cities most at risk of extreme heat. The area experiences extremely hot and humid conditions, making outdoor activities and even daily commutes uncomfortable. This weather can also contribute to higher energy bills as residents crank up their air conditioning to find relief.
Pro: Affordable cost of living
The cost of living in Memphis is 10% lower than the national average. Housing is notably affordable, with average prices about $200,000 below the national average. This affordability extends to grocery and utility costs, making it easier for residents to enjoy a comfortable lifestyle without breaking the bank. This economic advantage attracts individuals looking to live in an urban area at a reasonable cost.
Con: Underdeveloped public transportation system
Memphis’ public transportation system can be a point of frustration for its residents. With a Transit Score of 22, the coverage is limited, and the efficiency of service often leaves much to be desired. This situation forces many to rely on personal vehicles, contributing to traffic congestion and parking challenges in the city. For those without cars, navigating the city can be difficult, impacting their ability to access employment and recreational activities easily.
Pro: Vibrant culinary scene
The culinary scene in Memphis is a delightful exploration of flavors, with barbecue taking center stage. The city is famed for its unique style of barbecue, characterized by its slow-cooked ribs and pulled pork. The city’s barbecue culture is celebrated at events like the World Championship Barbecue Cooking Contest, where pitmasters showcase their skills. Beyond barbecue, Memphis boasts a diverse array of dining options, from soul food to international cuisines, catering to all palates. Throughout the year, food festivals like the Memphis Food & Wine Festival and the World Championship Hot Wing Contest highlight the city’s diverse culinary landscape.
Con: High Allergen levels
For those with allergies, Memphis can pose significant challenges. The city is known for its high levels of pollen and other allergens, particularly during the spring and fall. This can lead to discomfort and health issues for sensitive individuals, affecting their quality of life. Residents often have to take extra precautions, such as installing air purifiers in their homes and monitoring air quality reports.
One of the standout advantages of living in this city is the strong sense of community. This advantage is showcased in events such as the Cooper-Young Festival, where locals gather to celebrate art, music, and food, fostering connections and camaraderie. Similarly, the monthly Trolley Night in the South Main Arts District brings people together for an evening of shopping, dining, and live entertainment. Moreover, Memphis is home to numerous grassroots initiatives and neighborhood associations dedicated to improving the lives of its residents.
Con: Limited job market in certain sectors
Memphis boasts a thriving logistics and transportation industry, thanks to its strategic location along the Mississippi River. However, the job market in other sectors can be limited. This can pose a challenge for people in fields such as technology, science, and the arts, who may find fewer opportunities within the city. As a result, some residents may need to look for employment in nearby cities or consider a broader range of job options.
Pro: Access to outdoor activities
Memphis offers a variety of outdoor activities that cater to nature lovers and fitness enthusiasts alike. The city is home to numerous parks, such as Shelby Farms Park, one of the largest urban parks in America, offering hiking trails, biking paths, and water activities. The Mississippi River itself provides a scenic backdrop for jogging, picnicking, and sunset watching, encouraging a healthy and active lifestyle among residents.
Con: Infrastructure needs
Like many cities, Memphis faces challenges with aging infrastructure. Roads, bridges, and public buildings often require maintenance and upgrades to meet the needs of the growing population. These infrastructure needs can lead to traffic delays, impact public services, and necessitate increased public spending. Addressing these issues is crucial for improving the quality of life and ensuring the city’s future prosperity.
Pro: Diverse cultural events
Memphis is a melting pot of cultural events that celebrate the city’s diverse heritage and artistic talent. From the Beale Street Music Festival to the Memphis in May International Festival, the city’s calendar is packed with events that cater to a wide range of interests. These events not only provide entertainment but also foster a sense of pride among residents, showcasing the city’s vibrant cultural scene.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Living in Louisville, KY means experiencing the excitement of the Kentucky Derby, indulging in delicious southern cuisine, and enjoying the beautiful waterfront parks along the Ohio River. With its friendly residents and affordable cost of living, Louisville offers a welcoming and unique atmosphere for anyone looking to make a new home in the Bluegrass State. If you’re wondering, “Should I move to Louisville, KY?” you’re in the right place. This article will guide you through 11 pros and cons of living in Louisville that can help you decide whether or not it’s the right place for you. Let’s get started.
Louisville at a Glance
Walk Score: 34 | Bike Score: 43 | Transit Score: 27
Median Sale Price: $230,000 | Average Rent for 1-Bedroom Apartment: $1,103
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Pro: Dynamic arts and culture scene
Louisville is home to a thriving arts and culture scene, with numerous art galleries, theaters, and music venues. The city hosts the annual Kentucky Derby Festival, which brings in artists and performers from all over the world. Residents can enjoy a wide variety of cultural events and experiences, from the annual Forecastle music festival and theater performances to art exhibits and film festivals.
Con: Humid summers
One of the downsides of living in Louisville is the sweltering summers. The city experiences high humidity levels during the summer months, which can make the heat feel more intense. Because of this, the city ranks in the top 10 for U.S. cities most at risk of extreme heat. Residents may find it uncomfortable to be outdoors for extended periods of time, and the humidity can also lead to increased air conditioning costs.
Pro: Affordable cost of living
The cost of living in Louisville is 3% lower than the national average. Additionally, the median sale price for homes in the area is about $200,000 less than the national average. This allows many residents to enjoy a good standard of living without breaking the bank. The low cost of living makes Louisville an attractive option for individuals looking to stretch their budget.
Con: Limited public transportation options
With a low Transit Score of 27, another drawback of this city is the limited public transportation options. While the city does have a bus system, it’s not as extensive or convenient as in other major cities. This can make it challenging for residents who rely on public transportation to get around the area.
Pro: Plenty of green spaces
Louisville is surrounded by beautiful natural landscapes, providing residents with ample opportunities for outdoor recreation. The city is located next to the Ohio River and is home to several parks and nature preserves, including Cherokee Park, Waterfront Park, and Boone Square. Outdoor enthusiasts can easily escape the urban environment and enjoy the beauty of the surrounding area.
Con: Limited diversity in dining options
While Louisville has a growing food scene, some residents may find the diversity in dining options to be limited compared to larger cities. The culinary scene may not offer as wide a range of international cuisines, and residents may find themselves craving more variety in their dining experiences.
Another pro for Louisville is the strong sense of community that residents experience. The city is known for its friendly and welcoming atmosphere, with tight-knit neighborhoods and a strong spirit of volunteerism. One notable event is the “Give A Day” week of service, organized by Louisville Mayor Greg Fischer, which encourages residents to engage in acts of kindness and volunteerism throughout the city. During this week, numerous service projects are organized, ranging from park clean-ups and food drives to educational workshops and community outreach initiatives.
Con: Extreme weather events
Louisville is prone to extreme weather events, including thunderstorms, tornadoes, and occasional flooding. Residents may need to be prepared for severe weather conditions and take precautions to ensure their safety. The unpredictability of the weather can be a concern for some individuals, especially those who are not accustomed to such conditions.
Pro: Highly-ranked healthcare facilities
Louisville is home to several top-notch healthcare facilities, including Baptist Health and Norton Healthcare hospitals. Residents have access to quality healthcare services and specialists, ensuring that their medical needs are well taken care of. This can provide additional peace of mind for individuals living in the city.
Con: Intense allergy season
Allergy season is something to consider when asking yourself, “should I move to Louisville?” The allergy season can be particularly challenging for those sensitive to pollen and other allergens. The city’s lush greenery and blooming flowers can exacerbate allergy symptoms for some residents, especially during the spring and early summer months.
Pro: Historic architecture
Louisville harbors a rich history and stunning architecture, with many historic buildings and landmarks scattered throughout the city. Residents can explore the Old Louisville historic district, visit famous museums like the Louisville Slugger Field Museum, or take guided historic tours to learn about the city’s past. While strolling through the area, you’ll notice the architecture reflects a blend of styles, from Victorian homes to modern skyscrapers, adding to the city’s charm.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Located in the heart of the Sonoran Desert, Phoenix offers a unique living experience characterized by its dynamic culture, diverse population, and striking natural landscapes. Known as the Valley of the Sun, Phoenix boasts over 300 days of sunshine annually, inviting residents to explore its vast outdoor recreational opportunities. From hiking picturesque desert trails to teeing off at world-class golf courses, there’s always something new to try. If you’ve been asking yourself, “Should I move to Phoenix, AZ?” you’re in the right place. In this article, we’ll discuss the pros and cons of living in Phoenix to help you decide if it’s the right place for you. Let’s dive in.
Phoenix at a Glance
Walk Score: 41 | Bike Score: 56 | Transit Score: 36
Median Sale Price: $455,000 | Average Rent for 1-Bedroom Apartment: $1,237
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Pro: Sunny weather
Phoenix basks in its reputation as one of the sunniest cities in the United States. This abundant sunlight is a major draw for residents seeking a warm and inviting climate year-round. The city’s sunny weather creates an ideal environment for outdoor activities such as hiking, biking, and picnicking. Moreover, the sunny days contribute to a generally cheerful and positive atmosphere, fostering a sense of well-being among residents. Additionally, the weather allows residents to have outdoor gatherings, festivals, and community events throughout the year. Overall, the sunny weather in Phoenix is not just a climatic feature but a defining aspect of the city’s lifestyle.
Con: Water scarcity
Phoenix’s location in the Sonoran Desert brings with it the challenge of water scarcity. The city relies heavily on a finite water supply from the Colorado River, which is under increasing stress due to prolonged droughts and overuse. This situation has led to heightened awareness and restrictions on water use, impacting everything from residential landscaping to public swimming pools. This issue continues to be a growing concern for the city’s sustainability efforts.
Pro: Proximity to natural attractions
Phoenix’s location offers unparalleled access to natural attractions and outdoor adventures. Just a short drive from the city, residents can explore the Grand Canyon, hike in the Superstition Mountains, or visit the red rocks of Sedona. This proximity to nature allows for spontaneous day trips or weekend getaways, making it an ideal home base for those who love to explore the great outdoors.
Con: Extreme summer heat
While the sunny weather is a significant draw, the flip side is the extreme heat Phoenix experiences. In fact, Phoenix currently ranks 5th for U.S. cities most at risk of extreme heat. Temperatures regularly soar above 100 degrees Fahrenheit, which can be uncomfortable and even dangerous. This intense heat limits outdoor activities to early mornings or late evenings for much of the summer, and significantly increases the cost of air conditioning and energy bills.
Pro: Lively cultural scene
The cultural scene in Phoenix is vibrant and diverse, offering a wide range of activities and events that cater to various interests. The city is home to numerous museums, such as the Phoenix Art Museum and the Heard Museum, which showcase both contemporary art and Native American cultures. Additionally, the downtown area hosts a variety of festivals, live music, and culinary events throughout the year, reflecting the city’s rich cultural diversity.
Con: Limited public transportation
With a Transit Score of 36, one of the challenges of living in Phoenix is the limited public transportation options. While the city has made efforts to expand its light rail system, the coverage is still not comprehensive. This makes it difficult for those without a car to navigate the city efficiently. This reliance on personal vehicles contributes to traffic congestion and can be a barrier for residents seeking accessible and affordable transportation alternatives.
Phoenix is known for its welcoming and inclusive community, with a diverse population that embraces newcomers. The city’s warm and friendly atmosphere makes it easy for a lot of residents to connect and engage with their neighbors, fostering a sense of belonging. Community events, local farmers’ markets, and neighborhood associations contribute to the vibrant social fabric of Phoenix, making it a great place to call home.
Con: Poor air quality
Due to its location in a valley and the high number of vehicles on the road, Phoenix often struggles with air quality issues. Dust storms, known locally as “haboobs,” along with ozone pollution, can lead to poor air quality days, particularly in the summer. This can be a concern for individuals with respiratory issues and contributes to environmental health challenges in the city.
Pro: Growing job market
Phoenix has experienced significant economic growth in recent years. The area’s job market continues to expand in sectors such as technology, healthcare, and finance. This growth has attracted professionals from across the country, contributing to the city’s diverse workforce. With an emerging startup scene and several Fortune 500 companies like Avnet, the city provides ample employment opportunities.
Con: Summer monsoons
While the monsoon season can bring much-needed relief from the summer heat, it also comes with its own set of challenges. The monsoons can produce sudden, intense storms that lead to flooding, power outages, and property damage. These storms, occurring from June through September, require residents to be prepared for rapid weather changes and their potential impacts.
Pro: Sports fan’s paradise
Phoenix is a haven for sports enthusiasts. The city hosts professional teams in all major sports, including the NFL’s Arizona Cardinals and the NBA’s Phoenix Suns. The city also offers a plethora of recreational activities, from golf courses and public parks to hiking trails in the surrounding desert landscapes. This blend of professional sports and outdoor recreation provides residents with endless options for entertainment and physical activity.
Con: Sprawling urban layout
The sprawling urban layout of Phoenix can be a drawback for those who prefer a more walkable city environment. The city’s extensive urban sprawl requires residents to rely heavily on cars for transportation, contributing to traffic congestion and making it challenging to foster a sense of community in some neighborhoods. This layout also impacts the accessibility of amenities and services for those living in the outer suburbs.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Do you find yourself thinking, “Should I move to Los Angeles, CA”? If you do, then you know that Los Angeles is not just any city. It’s a dynamic place where dreams take flight, and the sun almost always shines. From the iconic Hollywood sign to the bustling streets of downtown, LA is full of life and diverse cultures, making it a melting pot of ideas and creativity. Living here means you’re never far from the beach or a stunning hiking trail, offering a unique blend of urban living and nature’s beauty. Plus, with its world-famous entertainment industry, you might just bump into a celebrity while grabbing your morning coffee.
If you’re considering making the move to the City of Angels, you’re in the right place. In this article, we’ll discuss the pros and cons of living in Los Angeles to help you decide if it’s the right place for you. Let’s dive in.
Los Angeles at a Glance
Walk Score: 69 | Bike Score: 59 | Transit Score: 53
Median Sale Price: $975,000 | Average Rent for 1-Bedroom Apartment: $2,687
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Pro: Diverse culinary scene
Los Angeles boasts an incredibly diverse culinary scene, reflecting its multicultural population. From authentic Mexican tacos in East L.A. to Korean BBQ in Koreatown and innovative vegan options scattered throughout the city, there’s something to satisfy every palate. The city is also home to numerous Michelin-starred restaurants, including Providence, Mélisse, and Somni. These exquisite dining experiences draw food enthusiasts from around the globe to LA.
Con: Traffic congestion
One of the most notorious aspects of living in Los Angeles is its traffic congestion. With a lower Transit Score of 53, the city’s sprawling layout, and heavy reliance on car transportation mean residents often face long commute times. This problem becomes more intense, especially during rush hours. This can lead to increased stress and less free time for leisure activities or family. Despite efforts to improve public transportation, traffic remains a significant challenge for the city.
Pro: Entertainment industry hub
Los Angeles is globally recognized as the heart of the entertainment industry. Home to Hollywood, it offers unparalleled opportunities for those aspiring to careers in film, television, music, and beyond. Similarly, musicians have a lot of opportunities with renowned music venues like the Troubadour and the Hollywood Bowl nearby. The city also hosts numerous film premieres, award shows, and industry events, providing locals with a front-row seat to the entertainment world. This vital sector also contributes to the city’s dynamic cultural landscape and economy.
Con: High cost of living
The cost of living in Los Angeles is 50% higher than the national average. From housing to groceries, nearly every aspect of daily life tends to come with a hefty price tag. The city consistently ranks among the most expensive places to buy a home in the United States, with sky-high rents and property values making homeownership a distant dream for many. The exorbitant cost of living in Los Angeles poses a significant challenge for residents, especially those with modest incomes or limited financial resources.
Pro: Beautiful weather
Los Angeles is famed for its mild, sunny climate year-round, making it an ideal location for outdoor enthusiasts. The city boasts an average of 284 sunny days per year, allowing residents to enjoy beaches, hiking trails, and parks regularly. This pleasant weather also supports a lively outdoor dining and social scene, contributing to the overall quality of life in the city.
Con: Air quality issues
Despite its sunny skies, Los Angeles struggles with air quality issues, primarily due to vehicle emissions and industrial pollution. The city frequently ranks among those with the worst air pollution in the nation, which can pose health risks, particularly for individuals with respiratory conditions. Efforts are ongoing to improve air quality, but it remains a concern for residents.
Pro: Cultural diversity
Los Angeles is a melting pot of cultures, offering a rich tapestry of experiences that reflect its diverse population. The city celebrates this diversity through numerous cultural festivals, museums, and neighborhoods like Little Tokyo and Little Armenia. This cultural richness enhances the social fabric of Los Angeles, fostering a sense of global community and understanding among its residents.
Con: Water scarcity
Located in a region prone to droughts, Los Angeles faces ongoing challenges with water scarcity. This environmental issue affects everything from residential water use to the sustainability of local agriculture. Residents are often subject to water usage restrictions and are encouraged to adopt water-saving measures, highlighting the importance of conservation in the city’s daily life.
Pro: Innovative tech scene
Should I move to Los Angeles if I don’t want to be in entertainment business? Los Angeles is not just about entertainment; it’s also a growing hub for the tech industry, often referred to as Silicon Beach. The city attracts startups and established tech companies alike, offering opportunities in digital media, aerospace, biotech, and more. This burgeoning tech scene provides a wealth of employment opportunities and fosters a culture of innovation and entrepreneurship.
Con: Seismic activity
Los Angeles is situated in a region with significant seismic activity, making earthquakes a reality of life in the city. While strict building codes and emergency preparedness efforts aim to mitigate the impact, the threat of a major earthquake is an ever-present concern for residents. This geological reality influences everything from insurance costs to personal and community safety measures.
Pro: Access to nature and recreation
Los Angeles offers easy access to a wide range of natural landscapes and recreational activities. From the beaches of Santa Monica and Malibu to the hiking trails in the Santa Monica Mountains and skiing opportunities just a few hours away, the city is perfectly positioned for those who love the outdoors. This access to nature contributes significantly to the lifestyle benefits of living in Los Angeles.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
On the shores of Lake Superior, Duluth stands proud as a true gem in the Land of 10,000 Lakes. From its iconic lift bridge to the sheer beauty of the North Shore, Duluth offers a variety of experiences that draw visitors from all over and entice people to lay down roots for life.
Whether you’re a history buff, outdoor enthusiast, or someone who appreciates the subtler things in life, living in Duluth just might be for you.
1. Aerial Lift Bridge
One of Duluth’s most recognizable landmarks is the Aerial Lift Bridge. This engineering marvel, originally built in 1905, connects Canal Park with Park Point, and serves as a critical transportation link and a tourist attraction. Visitors can watch in awe as the bridge rises to allow ships to pass through from Lake Superior to the Duluth Harbor.
2. Canal Park
Canal Park is Duluth’s lively waterfront district, where old meets new in a seamless way. Once an industrial area, it’s now a buzzing spot with restaurants, cafes, shops, and hotels. The area is famous for its lakeside walking paths, the Maritime Visitor Center, and a series of festivals throughout the year. Watching ships navigate the canal, exploring the local art scene, or enjoying fresh lake fish are just a few ways visitors can really enjoy a day in Duluth to the fullest.
3. Duluth Lakewalk
The Duluth Lakewalk is a scenic pathway that offers breathtaking views of Lake Superior and the city skyline. Stretching for miles, it provides the perfect environment for walking, jogging, or simply sitting on one of its many benches to take in the view. Along the way, landmarks like the Leif Erikson Park and Rose Garden add to the experience, making it a must-visit for anyone looking to connect with Duluth’s natural beauty and peaceful atmosphere.
4. Glensheen Mansion
The historic Glensheen Mansion is a window into the opulent past of Duluth’s wealthy Congdon family. This 20th-century estate sits on the shore of Lake Superior and is meticulously preserved, offering visitors a glimpse into the lifestyle of the era. Guided tours reveal the mansion’s elaborate interiors, lush gardens, and fascinating history, making it a captivating experience for history buffs and passersby alike.
5. North Shore Scenic Drive
For those who love road trips, the North Shore Scenic Drive is a journey through some of Minnesota’s most spectacular landscapes. Starting in Duluth and winding its way along the coast of Lake Superior, this route showcases cliffs, waterfalls, and forests. Stops at state parks, like Gooseberry Falls and Split Rock Lighthouse, offer opportunities for hiking, picnicking, and photography, making the drive a day-long adventure into the heart of Minnesota’s natural wonders.
6. Park Point Beach
Park Point Beach provides a surprising coastal experience in the heart of the Midwest. As one of the longest freshwater sandbars in the world, it offers miles of sandy beach for sunbathing, swimming, and volleyball. The beach also has picnic areas and is a popular spot for watching the sunrise or sunset over Lake Superior. It’s a slice of beach paradise that contrasts beautifully with the surrounding northern landscape.
7. Bent Paddle Brewing Co.
Craft beer fans should always make a stop at Bent Paddle Brewing Co., a cornerstone of Duluth’s thriving craft brewery scene. Known for its innovative and sustainable brewing practices, Bent Paddle offers a variety of beers that capture the essence of the region. The taproom is a welcoming space where visitors can sample a wide range of brews, from velvety stouts to crisp lagers, reflecting the community’s passion for quality and respect for well executed creativity.
8. Spirit Mountain
Spirit Mountain offers outdoor adventure year-round, with skiing, snowboarding, and snow tubing in the winter, and mountain biking, hiking, and a thrilling alpine coaster during the warmer months. Overlooking the city and Lake Superior, Spirit Mountain provides some of the best views in the area. The mountain is a destination for families, thrill-seekers, and anyone looking to enjoy the great outdoors while taking in the scenic beauty of Duluth.
9. Lake Superior Railroad Museum
At the heart of Duluth’s historic Union Depot, the Lake Superior Railroad Museum preserves the region’s rich railroading history. Visitors can explore a vast collection of locomotives, passenger cars, and freight equipment, some of which date back to the early days of rail travel. The museum not only tells the story of how railroads shaped the area but also offers rides on vintage trains, allowing guests to experience history in motion.
10. Duluth Entertainment Convention Center (DECC)
The DECC is a central spot for entertainment, hosting a wide range of events from concerts and conventions to sports and theatrical performances. Its location, overlooking the harbor, adds to the allure of attending an event here. The DECC is also home to the AMSOIL Arena, where the University of Minnesota Duluth’s hockey teams play.
Do you want to learn how to move out at 18 with no credit, little money, or even no money? Here’s what you need to know. There are many reasons for why you may want to move out at a young age – perhaps you have a difficult home life, you want to move somewhere…
Do you want to learn how to move out at 18 with no credit, little money, or even no money? Here’s what you need to know.
There are many reasons for why you may want to move out at a young age – perhaps you have a difficult home life, you want to move somewhere new, or you just want your own space.
I moved out shortly after turning 18 (about a week or so after my 18th birthday) into a rental home, and while I was not prepared at all, I do think being prepared to move out at a young age is extremely helpful. I made many mistakes that led to many, many tears, money wasted, stress, and more.
Today, I want to help you avoid as many problems as you can.
After all, moving out at 18 years old (or any other young age) is already really hard, and there is such a huge learning curve.
Moving out when you turn 18 is a big step into becoming an adult. Even though it can be exciting, moving out for the first time needs to be planned carefully. Before you leave, it’s important to make a plan to make sure you can afford it and stay on your own.
This means finding a job, making a budget you can stick to, and saving money for unexpected costs.
How To Move Out at 18
Below are ways to move out at 18.
Recommended reading: Buying a House at 20 (How I did it)
Make a plan to move out at 18
I highly recommend having a plan if you want to move out at 18 years old.
Moving out at 18 is a big step, and making a plan will help everything go a little more smoothly.
You will want to think about things such as:
Where you will work
How you will pay your bills
If you will live with a roommate or on your own
What your budget will be like
What you’ll do if things get tough, such as if you can’t afford your rent
What you will do for health insurance and medical bills
And so much more.
I will be going further in-depth on many of these below.
Find ways to make money
If you are 18 and want to move out, then you will need to have a stable source of income, of course. There are many options for earning money, from traditional jobs to more flexible side hustles.
A full-time job typically gives you more hours and benefits like health insurance, which are helpful when you’re living on your own. If you have other things going on, a part-time job might be better because it offers more flexibility while still giving you money (but, you may not earn as much money). You can find job openings online, at job fairs, or on community bulletin boards. Jobs like delivering food can be either full-time or part-time, and companies tend to need people.
If you want to make more money, you can side hustle to make extra income – a way to make extra cash that you do alongside your main job. You could freelance by doing things like writing, teaching tutoring lessons, or designing graphics. Or, you could babysit for families nearby, walk dogs, or help people with tasks or errands. These little jobs can add up to a lot of money and give you the flexibility to work when you want.
When I was young and first moved out, I worked full-time at a retail store. I also eventually started a few side hustles (like blogging, freelance writing, and selling stuff online) so that I could pay off my student loans quickly. Living on your own is not easy, especially when you are young and your income is not that high – so side hustles may be needed so that you can make enough money to pay your bills.
Some helpful articles to read include:
Create a budget
When you’re ready to step out into the world at 18, you need a budget. I can’t think of any young adult who would not need a budget.
Budgets are great because they help you keep track of your money coming in and going out. With a monthly budget, you’ll know exactly how much you can spend on different things each month as it helps you see how much money you have and where you might need to cut back on spending.
A budget will help you to figure out if you can afford to live on your own, if you need to have roommates, or if you need to find a cheaper living arrangement.
Making a budget is easy. First, write down how much money you make each month from your job or other places. Then, write down what you need to spend money on each month, like:
monthly rent
food
phone bill
internet
car
fuel
utilities like electrical, water, trash, sewer, gas/propane
car insurance
medical/health
pet care
restaurants
cable, satellite, or any TV monthly subscriptions
household essential items, like toilet paper, trash bags, etc.
and some money for fun stuff too
Knowing your monthly expenses will help you to better manage your money so that you won’t go into credit card debt.
Recommended reading: The Complete Budgeting Guide: How To Create A Budget That Works
Save for the move (and open a bank account)
When you’re getting ready to move out at 18, saving money is obviously very important. If you can help it, I do not recommend moving out with no money saved.
Think about all the costs you’ll face – like rent, your first security deposit, food, and any unexpected things that pop up. You’ll want to tuck away money for this.
How much should you save to move out? A good rule is to save at least three to six months of living expenses. For example, if you spend $1,500 a month, aim to save between $4,500 and $9,000 before you head out on your own.
This will be your emergency fund. An emergency fund is money you save up for unexpected things that might happen. This could be paying bills if you lose your job or if your hours or pay get reduced. It could also cover unexpected expenses like a car repair, medical bill, or fixing a broken window.
An emergency isn’t something like buying a birthday present, a new TV, or going on vacation.
Having an emergency fund is smart because it can stop you from getting into debt you don’t need. Some people rely on their credit cards for emergencies, but that’s not a good plan.
I also recommend getting your own bank account for all of the money you save. It’s a safe place for your money, and it helps you track what you earn and spend. Plus, you’ll need it for things like direct deposit from jobs or paying bills online.
I personally use Marcus by Goldman Sachs for my savings account as they have a very high rate. You can get up to 5.50% at the time of this writing through a referral link bonus. According to this high-yield savings account calculator, if you have $10,000 saved, you could earn $550 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
Improve your credit score and history
When you’re moving out of your parents’ home, having a good credit score is super helpful. This is because your credit score and credit history may be used for things like getting approved for an apartment and getting signed up for utility bills.
If your credit score is low, then you may be denied an apartment and even have to pay large deposits to get signed up for utilities (like water and electric).
Here are some important things to know:
Understand credit utilization – This is all about how much credit you’re using compared to how much you have. Try to use less than 30% of your credit limit. Say your card has a $1,000 limit. Aim to spend no more than $300.
Always pay on time – You should pay every bill on time, every time. Even being a little late can hurt your credit score a LOT!
There are other ways to improve your credit, such as by getting a secured credit card or becoming an authorized user on a family member’s credit card.
Here are two really helpful articles I recommend reading:
I also recommend keeping an eye on your credit by checking your score and report. Sites offer free checks, and it’s good to know where you stand. That way, you can fix any mistakes fast.
Think about where you’ll live
When planning to move out at 18, picking where you’ll live is a huge step.
Here are some things to think about:
Think about who you’ll live with. Living by yourself can be expensive so sharing rent and other bills with roommates can save you money, but make sure you choose your roommates wisely. You’ll be sharing your space with them, so it’s important to pick people who are responsible and trustworthy (and will actually pay the bills!).
Try using online tools to compare different areas. You can check things like crime rates, public transportation options, and how close they are to places you need, like grocery stores.
Think about the cost. Can you pay the rent and utility bills every month? Make sure to include these costs in your budget. Sometimes, living a bit farther from popular areas can be cheaper.
For my first home, I rented a very small 400-square-foot home with no real bedroom. But, it was within my budget and next to my college (I lived a few miles away), and surprisingly affordable.
Talk to your parents
When you’re getting ready to move out at 18, it’s important to have a conversation with your parents. This might feel hard or even impossible, but remember that clear communication is important.
I recommend choosing a time to tell them when your parents aren’t too busy or stressed as having this conversation when everyone is relaxed can make it easier for everyone to talk openly.
I think it is also helpful to think about how your parents might feel. If you’re the first to leave the home, they might find it tough. Try to understand their perspective and mention that you’ll stay in touch and visit.
And, be ready to show them your plan. Your parents will want to know you’ve thought things through. If you’ve been saving money, let them know. Talk about your job and how you’re managing to support yourself. It’s good to tell them about the place you’re planning to move into and how you chose it.
How to move out of your parents if it isn’t safe
So, after reading the above, I know that some of you may not have a good home life. You may not feel safe telling your parents that you are moving out.
If that’s the case, then I recommend reading this section.
Sometimes, home isn’t the safe place that it’s supposed to be. If you’re in a tough situation and need to leave at 18 but can’t talk to your parents about it, you’re not alone.
Here’s what you can do:
Find an adult you trust – Look for someone you trust, like a teacher, counselor, or family friend. They can maybe give you support and help you figure out your options.
Plan ahead – Start thinking about where you’ll go and how you’ll support yourself. Look into shelters, transitional housing programs, or staying with a trusted friend or relative.
Know your rights – As you turn 18, you have rights. Learn about your options for housing, education, and employment because there may be resources available to help you.
Stay safe – If you’re in danger at home, prioritize your safety. Contact local authorities or organizations that can help you leave safely.
Take care of yourself – Moving out can be tough, but remember to take care of yourself emotionally and physically, such as by talking to friends, finding support groups, or talking to a counselor if you need to.
Leaving home at 18 without being able to talk to your parents is hard, but it’s not impossible. Reach out for help, make a plan, and remember that you deserve to live in a safe and supportive environment.
Get free stuff for your new home
One of the big challenges of moving out on your own is affording all of the different things that you need.
Luckily, there are ways to get things for free or really cheap.
Some of the top ways include:
Facebook Buy Nothing groups – This is my favorite place to start if you want to get things for free. These groups promote recycling and reusing items instead of throwing them away when you’re done with them. To begin, look for and join a local Buy Nothing group on Facebook. You can search for groups for your city. People list their free stuff all the time, such as furniture, electronics, clothes, and more. You can even make a post asking if anyone has something that you need.
Ask family and friends – Your family and friends might have extra stuff they’re willing to part with. They might even be happy to see it go to a good home – your new home!
Check online platforms – Websites like Craigslist, Freecycle, and Facebook Marketplace can be goldmines for free furniture. People often list items they want to get rid of quickly.
Visit thrift stores and yard sales – Thrift stores and yard sales sometimes offer “free bins” or low-cost items they want to get rid of fast.
Attend college move-out days – If you live near a university, go there on move-out day. Students tend to leave behind perfectly good furniture that’s yours for the taking.
Community centers and churches – These places often have bulletin boards with listings for free items.
Always be safe when arranging pickups, especially with strangers. Always bring a friend or let someone know where you’re going.
Helpful articles:
Handling utilities and bills
Dealing with utilities and bills is a big step in moving out. Utilities are services you need like water, electricity, gas, and the internet.
Before you move, call or visit the websites of local utility companies. You’ll need to set up accounts in your name. This might include a deposit fee, so be ready for that.
I recommend making a list of all your expected bills. Rent, electricity, water, internet, and maybe gas are usually the basics. Add them up to see how much you’ll spend each month.
After you move in, you will want to find out when each bill is due. It’s your job to pay them on time as paying late can lead to extra fees or even getting your services turned off. Some companies let you set up automatic payments, and this means the money comes out of your bank account on its own each month. This can make sure you’re always on time.
You will want to hold onto your bills and receipts. This way, if there’s ever a mistake with a bill, your records will help fix it.
You can save money by being smart about using your services. Turn off lights when you leave a room and unplug electronics that you’re not using. You might also shop around for better deals on services like the internet.
After you get your first set of bills, you will understand why your parents wanted to keep the air conditioning off or why they always asked you to turn the lights off – things can be expensive!
Also, remember that different times of the year will impact your bills. For example, your electric bill will most likely be a lot more expensive in the summer than it will be in the spring or fall.
Maintain your home (housekeeping)
Moving out at 18 means taking on the responsibility of housekeeping. You might be surprised how quickly your new home can become cluttered and get dirty.
Keeping your home nice starts with regular cleaning, and I recommend setting aside some time each day for tasks like washing dishes, making your bed, and tidying up the living area. This way, messes won’t pile up and become overwhelming.
Then, once a week, dedicate your time to deeper cleaning such as vacuuming, mopping floors, cleaning the bathroom, dusting, and doing laundry.
Housekeeping also requires tools and supplies, so you will want to plan your budget to include items like sponges, cleaners, and trash bags.
Make friends in your new community
Moving out at 18 is a big step, and making friends in your new community is important. It can make your new place feel like home. When you move, you might not know many people, but there are fun and simple ways to meet people.
Here are some tips:
Get to know your neighbors – Start with a smile and say hi to your neighbors.
Join local groups or classes – Look for groups that interest you. Love to paint? Find an art class. Enjoy cooking? Maybe there’s a cooking group nearby. Like rock climbing? Go to the local climbing gym. This way, you meet people who like what you like.
Visit community centers – Many towns have a community center. They have activities like sports, games, and events.
Making friends might take time, but it’s totally possible! Just be yourself and be open to talking to new people.
Balancing work and personal life
I’m guessing you will have a lot going on, between trying to work full-time and enjoying your life, and even possibly furthering your education.
I recommend trying to schedule your time so you don’t get too busy. Use a calendar or app to make sure you’ve got time for work, taking care of your place, and doing fun things too.
It’s okay to say no if you’re too busy. If you’re working a full-time job, you might not be able to hang out with your friends all the time. It’s all about finding a healthy balance between earning money and enjoying life. I had to say no to my friends many times because I was simply too busy. If your friends still live at home, it may be hard for them to understand this unless you explain your situation.
Plus, remember to take breaks. When you’re planning your week, set aside some time just for relaxing. Watching a movie, reading, or hanging out in the park are all great ways to unwind and give your mind a break.
Frequently Asked Questions
Below are common questions about how to move out at 18 years old with little money.
How can I move out fast at 18?
To move out quickly, focus on making a steady income and finding affordable housing. Create a budget to manage your expenses and look for immediate job openings or housing options. Saving as much money as you can right now is also super helpful.
How much money should I have saved by 18 to move out?
Aim to save at least 3 to 6 months of living expenses before moving out. This safety net can cover rent, groceries, and unexpected costs, giving you financial stability as you start on your own.
Can you move out at 18 while still in high school?
Yes, you can move out at 18 while in high school, but make sure you have a support system in place. Balancing school responsibilities with living independently can be very hard.
How to move out at 18 with strict parents?
When moving out at 18 with strict parents, communicate your plans clearly and respectfully. Prepare a well-thought-out plan to show them you’re serious and capable of managing your own life.
Can your parents not let you move out at 18?
When you turn 18, you’re legally an adult in most places, and you can decide to move out even if your parents don’t agree. However, it’s important to respect their opinion and explain your reasons. There are some places where you have to be older, so make sure you do your research.
Do I have to tell my parents I’m moving out?
While you’re not legally required to inform your parents in most places, it’s nice to talk about your decision with them, as transparent communication helps maintain a positive relationship after you leave.
Can I move out at 18 without parental consent?
Yes, in most places, at 18 you’re legally permitted to move out without parental consent. You will want to make sure this applies to your local area.
What things do you need when moving out of your parents’ house?
There are many things that you will need to move out of your parents’ house such as a bed, blanket, pillow, kitchen supplies, towels, a place to eat, a dresser, cleaning supplies, groceries, and more.
Is it realistic to move out at 18?
It is realistic to move out at 18 if you have a reliable income, a budget, and a plan for handling responsibilities. You will want to be as prepared as possible to move out at a young age because there will be many hurdles thrown your way, most likely.
How To Move Out At 18 – Summary
I hope you enjoyed this article on how to move out at 18 years old.
It’s really important to have a plan for a successful move when you are just 18 years old.
You’ll need to find ways to earn money regularly, like getting a job and even doing extra work on the side.
Having savings in the bank and an emergency fund will help you handle unexpected expenses without ruining your plans.
There are also many other things to think about, such as the cost of living, utility bills, your credit score, and more.
I moved out when I was just 18 years old, so I completely understand where you are coming from. I had no financial help from my parents and found and did everything on my own – from making money to finding a place to live, making all of my own meals, and more. It was hard, but it was what needed to be done.
Do you plan on moving out soon? Do you have any questions for me on how to move out at 18?
Welcome to the vibrant city of Oklahoma City, where the spirit of the Wild West meets modern urban living. With its rich cowboy culture, thriving arts scene, and friendly community, Oklahoma City offers a unique blend of tradition and progress. From the bustling Bricktown entertainment district to the serene Myriad Botanical Gardens, there’s something for everyone in this diverse city. So whether you’re searching for a spacious home for rent in the historic neighborhoods or a trendy apartment in downtown, you’ve come to the right place.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of moving to Oklahoma City. Let’s get started and see what awaits in the heart of the Sooner State.
Pros of living in Oklahoma City
1. Affordable cost of living
Oklahoma City offers a significantly lower cost of living compared to many other major cities in the United States. The average rent for apartments in Oklahoma City, is between $775 and $1,092 in 2024. Residents can enjoy affordable housing options, lower utility costs, and reasonable prices for everyday goods and services. This makes it an attractive option for individuals and families looking to stretch their budget without sacrificing quality of life.
2. Thriving arts and culture scene
Oklahoma City boasts a vibrant arts and culture scene, with numerous museums, galleries, and performance venues to explore. The Oklahoma City Museum of Art, the National Cowboy & Western Heritage Museum, and the Paseo Arts District are just a few of the many cultural attractions that residents can enjoy. From visual arts to live music and theater, there’s no shortage of creative expression to experience in this city.
3. Outdoor recreation opportunities
With its abundance of parks, lakes, and outdoor spaces, Oklahoma City offers plenty of opportunities for residents to enjoy nature. The city’s extensive network of hiking and biking trails, along with its beautiful botanical gardens and urban parks, provide a welcome respite from the hustle and bustle of city life. Whether it’s fishing, boating, or simply taking a leisurely stroll, outdoor enthusiasts will find plenty to love about Oklahoma City.
4. Strong job market
Oklahoma City’s economy is diverse and robust, offering a range of employment opportunities across various industries. The city is home to thriving sectors such as energy, aerospace, healthcare, and technology, providing job seekers with a wealth of options. Additionally, the relatively low unemployment rate and favorable business climate make Oklahoma City an appealing destination for those looking to advance their careers.
5. Friendly and welcoming community
Oklahoma City is known for its friendly and welcoming community, where residents take pride in their city and look out for one another. Whether it’s through local events, volunteer opportunities, or neighborhood gatherings, there’s a strong sense of camaraderie and support among the city’s diverse population. This creates a warm and inclusive environment for newcomers and long-time residents alike.
6. Delicious and diverse food scene
Oklahoma City offers a diverse culinary landscape, with a wide range of dining options to satisfy every palate. From classic barbecue joints and food trucks to upscale restaurants and international cuisine, the city’s food scene is a melting pot of flavors and influences. Whether residents are craving comfort food or seeking out new culinary adventures, they’ll find no shortage of delicious dining experiences in Oklahoma City.
Cons of living in Oklahoma City
1. Extreme weather conditions
Oklahoma City experiences a wide range of weather extremes, including hot summers, cold winters, and the occasional severe weather event. Residents must be prepared for temperature fluctuations, thunderstorms, and the possibility of tornadoes, which can impact daily routines and require extra precautions.
2. Limited public transportation options
With a transit score of 17, Oklahoma City’s public transportation system is relatively limited, with fewer options for commuters who prefer to rely on buses, trains, or other forms of transit. This can pose challenges for individuals who don’t drive, potentially leading to longer commute times and logistical hurdles.
3. Distance from major urban centers
While Oklahoma City offers its own unique attractions and amenities, it is situated at a considerable distance from other major urban centers. This can make it less convenient for residents who desire easy access to a wider range of cultural events, international travel options, or specialized services that may be more readily available in larger cities.
4. Limited nightlife and entertainment options
For those seeking a bustling nightlife and a wide array of entertainment options, Oklahoma City may not offer the same level of variety and excitement as larger cities. While there are certainly local venues and events to enjoy, the overall nightlife scene and entertainment choices may be more limited.
5. Limited diversity in some areas
While Oklahoma City is a diverse and inclusive community, some neighborhoods may have limited diversity in terms of cultural representation and ethnic cuisine options. Residents seeking a wide range of cultural experiences and international influences may find that certain areas of the city have a more homogenous cultural landscape.
6. traffic congestion and infrastructure challenges
Oklahoma City experiences traffic congestion during peak hours, and ongoing infrastructure projects may lead to temporary disruptions and detours. Residents should be prepared for potential delays and plan their travel routes accordingly, especially during times of heavy construction and road maintenance.
Is Oklahoma City the right move for you? Final thoughts
Moving to Oklahoma City offers both pros and cons. On the positive side, the city boasts a low cost of living, a strong job market, and a vibrant cultural scene. Residents can also enjoy the city’s beautiful parks and outdoor recreational activities. However, the city does have its drawbacks, including extreme weather conditions and limited public transportation options. Overall, Oklahoma City provides a mix of opportunities and challenges for those considering a move to the area.
Jennifer Updike and Lewis Fredette, of Auburn, New York, got engaged in December 2023. The couple, who are both on the autism spectrum, look forward to moving in together soon and tying the knot in a religious ceremony.
But because they both receive Supplemental Security Income — commonly referred to as SSI — they’ll lose about $300 in combined income monthly if they get married due to the resource limits that the National Council on Disability calls the “marriage penalty.” SSI resource limits would also restrict them from having more than $3,000 in combined savings, $1,000 less than they could have individually. They’re staying engaged indefinitely.
“Our entire decision [to get married] was based upon whether or not we would lose money and how much we would lose,” Fredette says.
“We wouldn’t have been able to support ourselves with that much money lost,” Updike adds.
Updike and Fredette aren’t alone. The Social Security Administration reported over 6.5 million SSI recipients over the age of 18 in 2022, the most recent data available. And a 2021 report of U.S. Census Bureau data from 2017 found that most working-age SSI recipients weren’t married or had never been married, a stark difference from nonrecipient working-age adults.
Though the Social Security Administration, also called the SSA, disincentivizes low-income and disabled couples from getting married, there are ways to tie the knot while minimizing losses.
Why SSI has limits for married couples
“SSI is a needs-based program; It’s very similar to welfare,” says Steven R. Dolson, an attorney specializing in Social Security disability benefits at The Law Offices of Steven R. Dolson PLLC in Syracuse, New York. It differs from Social Security Disability Insurance, also called SSDI, which requires enough work history to pay a monthly benefit to people with disabilities who have lost their ability to work.
SSI doesn’t need a work history; it’s for people with disabilities who have little to no income or resources. But that’s not to say these benefits are easy to get.
“Social Security is trying to get people off the rolls constantly,” Dolson says. “The theory is to give the minimum amount to sustain them on a day-to-day basis.”
The program rules assume that married couples need less per person because they share expenses such as housing and transportation.
Know the limitations
Though you can get married and still collect SSI, there are a few considerations.
First, getting approved for SSI benefits automatically makes you eligible for Medicaid, the national public health care program. “If you exceed the [SSI] resource or income limits, that can knock you off your insurance,” Dolson says. “This can have a devastating effect on somebody who’s on SSI.”
Second, the SSA may count you as married if you act married — even if you’re not. The SSA considers a couple “holding out as married” if they share a last name, refer to each other as spouses, file taxes jointly or own a home together. “Holding out” typically applies only in states that recognize common-law marriages, but for SSI specifically, the SSA says it can investigate how a couple presents themselves and change their benefits accordingly in any state.
Maximize your exemptions
According to the SSA, “resources” are anything that can readily be turned into cash, including money in a bank account, personal property and vehicles.
However, some exceptions don’t count toward the limit: the home you live in and the land it’s on, your household vehicle, household goods and things like wedding rings, burial plots, burial funds up to $1,500 and life insurance policies up to $1,500.
The SSA also allows exemptions of “property essential to self-support,” which is property, equipment and supplies — including buildings and vehicles — necessary for a trade, business or job. For people with disabilities, this also includes transportation services, medical devices, service animals and mobility aids.
You can also receive exempted funds through a supplemental (special) needs trust. With this type of trust, you or a third party can create an account to pay for most expenses (except food and shelter) without jeopardizing needs-based government benefits.
Take advantage of savings programs
The SSA also allows SSI recipients to extend their resource limits with savings plans. You can set funds aside for a Plan to Achieve Self-Support, a written plan for a work goal, which won’t count toward SSI eligibility.
Still, there are challenges
For many married SSI recipients, it’s still a struggle to make ends meet.
“I just wish more people were aware that [the resource limit] exists, because it’s not talked about enough,” Fredette says.
This article was written by NerdWallet and was originally published by The Associated Press.
Welcome to the vibrant city of Sacramento, where the sun shines bright, and the river flows gracefully. With its rich history, diverse culture, and thriving arts scene, Sacramento offers a unique charm that captivates residents and visitors alike. So whether you’re searching for the perfect apartment in Sacramento or a cozy home for rent in the suburbs, you’ve come to the right place.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of moving to Sacramento. Let’s get started and see what awaits in the city of trees and rivers.
Pros of living in Sacramento
1. Rich history and culture
Sacramento boasts a rich history and vibrant culture, offering residents a deep connection to the state’s past. From the California State Railroad Museum to the Crocker Art Museum, there are numerous opportunities to explore the city’s historical and artistic heritage. The Old Sacramento Waterfront district also provides a glimpse into the city’s Gold Rush era, with its well-preserved buildings and cobblestone streets, making it a unique and charming area to visit and live in.
2. Outdoor recreational opportunities
With its proximity to the Sierra Nevada mountains and the Sacramento and American Rivers, Sacramento provides ample opportunities for outdoor recreation. Residents can enjoy hiking, biking, and water activities, as well as picnicking and wildlife viewing in the numerous parks and nature reserves in and around the city. The American River Parkway, in particular, offers 32 miles of scenic trails for outdoor enthusiasts to explore and enjoy.
3. Thriving farm-to-fork dining scene
Sacramento is renowned for its farm-to-fork dining scene, with a plethora of restaurants and eateries sourcing their ingredients locally. The city’s farmers’ markets and food festivals celebrate the region’s agricultural abundance, offering residents access to fresh, seasonal produce and locally-sourced meats and dairy. From fine dining establishments to casual cafes, Sacramento’s culinary landscape reflects its commitment to sustainable, locally-grown food.
4. Affordable cost of living
Compared to other major cities in California, Sacramento offers a more affordable cost of living, making it an attractive option for those seeking a balance between urban amenities and financial stability. The average rent for apartments in Sacramento, is between $1,700 and $2,087 in 2024. Housing costs, in particular, are relatively lower, allowing residents to enjoy a comfortable lifestyle without the exorbitant expenses often associated with larger metropolitan areas.
5. Diverse neighborhoods and communities
Sacramento is home to a diverse array of neighborhoods and communities, each with its own unique character and charm. From the historic homes of Midtown to the friendly suburbs of Natomas, residents have a wide range of options to choose from, catering to different lifestyles and preferences. The city’s cultural diversity is also reflected in its neighborhoods, offering a rich tapestry of experiences and traditions.
Cons of living in Sacramento
1. Hot summers and limited rainfall
Sacramento experiences hot, dry summers with temperatures often exceeding 90 degrees Fahrenheit, making it challenging for residents who are sensitive to heat. Additionally, the region’s limited rainfall can lead to drought conditions, impacting water resources and contributing to the risk of wildfires during the summer months.
2. Traffic congestion and limited public transportation
Despite efforts to improve public transportation, Sacramento still faces challenges with traffic congestion and limited transit options, especially in the suburbs. With a transit score of 34, commuters may experience delays and long travel times, particularly during peak hours, impacting their daily routines.
3. Air quality and pollution
Sacramento struggles with air quality issues, particularly during the summer months when high temperatures and stagnant air can lead to increased pollution levels. Residents may find it challenging to cope with poor air quality, necessitating precautions and limitations on outdoor activities during certain times of the year.
4. Limited job opportunities in certain industries
While Sacramento offers a diverse economy, certain industries may have limited job opportunities compared to larger metropolitan areas. Residents seeking employment in specialized fields may find it challenging to secure positions that align with their career goals, requiring them to explore opportunities in neighboring cities or consider remote work options.
5. Education system challenges
Sacramento’s public education system faces challenges related to funding and resources, impacting the quality of education in some areas. Individuals may need to carefully consider their options and research schools to ensure they find the best educational fit.
Is Sacramento the right move for you?
Sacramento offers a vibrant urban environment with a rich cultural scene, diverse dining options, and plenty of job opportunities. The city also boasts a lower cost of living compared to other major cities in California. However, traffic congestion and air pollution are common drawbacks, and the hot summer temperatures can be a challenge for some residents. Overall, Sacramento presents a mix of advantages and disadvantages for those considering a move to the city.