A Gen Z woman couldn't afford rent, so she bought a duplex instead — and cut her housing costs in half

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0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',a=n._store.getNotifications(),r=n._generatePanelMarkup(o,a),i.innerHTML=r;break;case"error_panel":r=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=r}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(P))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),j=function(){function e(t,n,o){E(this,e);var i=this;i._store=n,i._view=o,i._config=t;var 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e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),M(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?M(this._indicatorNode,this._config.panel.indicatorClass):I(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?I(e._badgeNode,e._config.badge.hideClass):M(e._badgeNode,e._config.badge.hideClass)}}]),e}(),F={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new 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n,o,i,r=e.getConfig();if(t.ybar&&["desktop","tablet"].includes(r.device)&&(null===(n=r.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(Ft[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Ft.overlay,Ft[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Vt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var 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Instead, she bought a $575,000 duplex in Portland, Maine (1).Skiff, now 27, put $57,500 down on the two-unit property. She moved into one unit and kept the long-term tenants already living downstairs, collecting $2,000 a month in rent against her $4,000 mortgage.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and the simple steps to fix it ASAPRobert Kiyosaki begs investors not to miss this ‘explosion’ — says this 1 asset will surge 400% in a yearHer effective housing cost was $2,000 a month, roughly what she'd been paying in rent previously/"It was much more feasible for me to actually buy a multi-family home," she told CNBC’s Make It (2). "I'm able to live alone for right around the same price that I was paying in rent before."She also spent about $15,000 on renovations, doing most of the work herself alongside her mother, and hiring out only the plumbing, electrical and drywall. She upgraded the bathroom for $3,500, and she’s currently saving for a full kitchen gut renovation.As of January 2026, Skiff has almost $190,000 saved and invested across retirement, brokerage and savings accounts — and she's set her sights on a $500,000 net worth (3). Her combined 2025 income was about $151,000, split between a $113,000 salary as a senior experience analyst and roughly $38,000 from social media content creation on TikTok, Instagram and YouTube.Her story is a near-perfect case study in house hacking: the strategy of buying a multi-unit property, living in one unit and renting out the rest to offset the mortgage.Adults between the ages of 26 and 34 made up just 12% of recent home buyers, according to the National Association of Realtors (4). Skiff is part of a small but deliberately strategic subset doing it with a playbook that older homeowners would do well to study.The core financial tenant here is straightforward. Rental income lowers your effective housing cost, which frees up cash to save and invest. In Skiff's case, that $2,000 monthly offset adds up to $24,000 a year — money that would otherwise be going purely toward her housing expenses.American homeowners spend a median of 21.4% of their income on housing, according to U.S. Census Bureau data cited by AmeriSave (5). A rental offset that cuts that burden in half changes the entire savings equation, especially early in a career, when compounding has the most runway.Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoTrending tickersBTC-USD Bitcoin USD 67,511.80 +197.60 (+0.29%)ETH-USD Ethereum USD 2,060.83 +6.19 (+0.30%)XRP-USD XRP USD 1.30 -0.02 (-1.15%)SPCE Virgin Galactic Holdings, Inc. 2.4600 +0.0600 (+2.50%)SOL-USD Solana USD 79.93 -0.89 (-1.10%)PortfolioSign in to access your portfolioSign inTop gainersAAOI Applied Optoelectronics, Inc. 103.91 +17.56 (+20.34%)SBAC SBA Communications Corporation 204.04 +32.48 (+18.93%)YSS York Space Systems, Inc. 28.03 +4.43 (+18.77%)VSAT Viasat, Inc. 53.69 +8.46 (+18.70%)LUNR Intuitive Machines, Inc. 23.99 +3.75 (+18.53%)Top losersKNF Knife River Corporation 73.91 -8.20 (-9.99%)WIX Wix.com Ltd. 81.95 -8.55 (-9.45%)PBH Prestige Consumer Healthcare Inc. 52.48 -5.20 (-9.02%)ENPH Enphase Energy, Inc. 34.92 -3.36 (-8.78%)RGC Regencell Bioscience Holdings Limited 30.80 -2.92 (-8.66%)Most activeNVDA NVIDIA Corporation 177.39 +1.64 (+0.93%)INTC Intel Corporation 50.38 +2.35 (+4.89%)NOK Nokia Oyj 8.82 +0.55 (+6.65%)PLUG Plug Power Inc. 2.4100 +0.1600 (+7.11%)TSLA Tesla, Inc. 360.59 -20.67 (-5.42%)Top economic eventsEarnings eventsMy earnings eventsEarnings events