Job-related housing costs deter even tax-savvy workers from maxing out retirement

Evidence

Why? When I changed jobs, I sold my home in Ohio, which I’d bought with a thirty-year mortgage, and took out a different fifteen-year mortgage to purchase a new home in Virginia. Even though my salary increased with the move, my monthly mortgage payment increased as well. I was reluctant, as a single woman with my salary as my sole source of income, to max out on my retirement until I could see on the ground how my budget adjusted to the increased mortgage payment. — Dorothy A. Brown, The Whiteness of Wealth, 404