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Affording Family Life: How Bad Policies Squeeze Middle-Class Budgets

CBN ran a blunt segment this week highlighting a financial reality every hard-working American already feels: raising three kids in many U.S. metro areas has become unaffordable for average families. The program leaned on analysis by InvestorsObserver’s Sam Bourgi to show that the pain is widespread and, shockingly, not limited to the big-name coastal elites the left loves to praise.

Bourgi and other analysts told viewers that the list of 39 metro areas flagged as financially brutal for a family of five includes surprising places, proving that runaway costs and bad policy have spread beyond the usual suspects. That finding fits the broader market nervousness we’ve seen as tariffs and policy meddling ripple through prices and investor sentiment. Conservatives should stop pretending market pain is somebody else’s problem; these are policies with real consequences for families.

Let’s be blunt: liberal city managers who reward crime, hike taxes, and chase out employers are driving middle-class flight and making family life unaffordable. Real Americans want safe streets, good schools, and the ability to afford a home and groceries without depending on government checks or virtue-signaling lectures. While pundits on the left wring their hands over inequality, their policies make it worse — and the result is fewer kids, more stress, and communities hollowed out.

The federal side of the ledger isn’t blameless. With the Federal Reserve meeting in Washington this week and markets jittery about whether rates will stay higher for longer, families face mortgage, auto, and credit costs that eat into paychecks. InvestorsObserver analysts have warned that the combination of higher rates and policy-driven market shocks is squeezing households and could leave the economy more fragile if policymakers don’t stop pretending that printing and spending solve everything. Americans need a Fed that prioritizes stable money, not one that bails out failed experiments.

Then there’s trade. President Trump’s high-tariff posture and the looming talks with China’s Xi in South Korea have introduced more volatility into global supply chains, which flows straight to the grocery cart and utility bills of middle-income families. The White House has signaled a high-stakes meeting with Xi in Busan as part of an Asia trip designed to reshape trade terms, and that diplomacy will matter for whether tariffs ease or escalate into still higher costs for Americans. Conservatives should support firm diplomacy that defends American jobs while demanding reciprocal concessions, not one-sided “deals” that leave families paying more.

Markets are already flashing warning signs: strained banks, unrealized losses, and investors who feel trapped between inflation risks and policy whiplash. That’s no abstract Wall Street drama — it’s the economic weather families wake up to every morning when the price at the pump, the grocery bill, or the monthly mortgage hits again. If we want to fix affordability we cut needless spending, secure borders to protect wages, stop strangling domestic energy and supply production, and restore common-sense local governance that puts families first.

Patriots who still believe in the American dream have to fight for it in every arena: local school boards, city halls, and on the national stage where tariff and monetary policy are decided. This isn’t partisan whining — it’s a demand that government serve families rather than slogans, and that leaders from both parties stop experimenting with policies that punish the very people who build our country. Hardworking Americans deserve better, and it’s time conservatives turn this moment of pain into a movement for policies that actually make raising a family affordable again.

Written by Keith Jacobs

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