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Americans are choosing to remain in a living situation with their exes amidst the ongoing housing crisis, a move that experts say may prove emotionally taxing despite the potential financial benefits.

“High housing costs are causing more couples to cohabitate despite the fact the romantic flames of their marriage have been extinguished,” real estate broker Chuck Vander Stelt told Fox News Digital.

“I have had conversations with several divorcing couples who have been weighing options and looking to time the market. In the meantime, they are continuing to live together.”

Stelt believes the trend of cohabitation after divorce or breakups is growing as he has experienced an influx of those in their 30s and 40s, often with children, weighing the options of selling versus cohabitating. In the past, Stelt said homeowners who separated were adamant that the property should be sold as soon as possible.

“Many homeowners are sitting on a mortgage with a rock bottom interest rate and a comfortable house payment. It’s hard to let that go and face the alternative of meaningfully higher housing costs,” he added.

The inclination to remain shacked up with former lovers has been reported in the media over the last several years, especially amid the fallout from the COVID-19 pandemic.

Relationship advice websites and message boards, such as Reddit, are filled with pagers where renters and homeowners have asked whether they should remain in their current living situation.

Americans have even documented their experiences living with exes on TikTok, offering advice to those facing a similar conundrum.

TikToker @-diaryofamomma posted a variety of videos in late 2023 where she showed what life is like when you live with an ex and you share two children. The son and daughter typically stay with the mother in one room while the dad sleeps on the couch.

The mom, “Cassie,” said they still live together because the landlord would not allow them to break the lease without paying for the rest of the term in full. They both share responsibility for the kids and clean the house.

“Honestly, me and their dad like think of a bad roommate. Somebody you don’t like but you have to live with because you have a lease together. Like, that’s what we are,” Cassie said. “I try not to bother him. He doesn’t bother me.”

Dating coach Deon Black said the reasons people choose to live with their exes often boil down to the three F’s: finances, familiarity, and fear.

“The cost of moving out can be prohibitive, especially considering current real estate prices. And let’s not forget the contractual obligations that sometimes bind people together like super glue rental contracts signed in happier times that now seem as unbreakable as a bad habit,” he said.

Black said while not an earth-shattering trend, exes living together is indeed a growing phenomenon created out of necessity, more so than choice.

“Millennials are leading this charge, followed closely by Gen Z. Younger generations are most affected by this trend due to economic pressures,” he said.

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Amid rising interest rates and housing shortages, Black said Americans are trying to save money and maintain stability, especially if kids are involved. But the possible downside is substantial, with the dating coach citing the potential for emotional stress, conflict and the difficulty of moving on.

After living with her ex, TikToker Alana Hogan offered tips to those embroiled in the same living situation.

“Everyone is going to heal in different ways and everyone has different coping strategies. Your way is going to be entirely different to his or her way,” she said.

She urged her followers not to view their former partner’s actions as a reflection of themselves and to set healthy boundaries of where each person will be in the apartment or house.

“Be really clear and open with your communication. Let them know what you feel comfortable with, what you don’t feel comfortable with. What you feel open about talking about and what you don’t,” she added.

Viral relationship coach Jake Maddock previously addressed the idea of living with an ex, stressing that deciding to stay under the same roof means you are still technically in a relationship.

“You can’t emotionally separate and not physically separate. You have to separate physically as well,” he said.

Sexologist Suzannah Weiss concurred with the idea that it is usually easier for people to have a “clean break” and keep exes out of their lives following a breakup.

Weiss noted that some people might agree to live with their exes temporarily because they are busy with work, allowing this period to drag on without a determined expiration date. Others live in rent-controlled apartments and cannot find something affordable when they cut things off, leading to decisions “born out of convenience.”

“However, sometimes, people keep living with their exes because they are afraid to fully let go. They may tell themselves it’s for convenience or for financial reasons, but the truth is that they are terrified to be completely without this person,” she told Fox News Digital.  

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In Halifax’s night-time economy, no one is holding back over what is required in the budget

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In Halifax's night-time economy, no one is holding back over what is required in the budget

In the upstairs bar of a slick new brewery, the cheese-lovers of Halifax are paying “homage to fromage”.

It is one of the first events in the historic West Yorkshire town for the monthly cheese club and there is a decent turn-out.

Sky News visited Halifax's clubs, bars and restaurants to get an insight into people's priorities
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Sky News visited Halifax’s clubs, bars and restaurants to get an insight into people’s priorities

The night-time economy in Halifax is a useful measure of how the landscapes of our town and cities have changed
Image:
The night-time economy in Halifax is a useful measure of how the landscapes of our town and cities have changed

Discussion of Wednesday’s budget is not as popular as an accompaniment to the cheese as the selection of wines. But no one holds back on what is required of the chancellor.

Natalie Rogers, who runs her own small business with her partner, said there needs to be focus.

Small business owner Natalie Rogers wants to see more investment in local industries
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Small business owner Natalie Rogers wants to see more investment in local industries

“I think investing in small businesses, investing in these northern towns, where at one time we were making all the money for the country, can we not get back to that? We’re not investing in local industries.”

At the next table, with a group of friends, Ali Fletcher said there needs to be bigger targets.

“I think wealth inequality is a major problem. The divide is getting wider. For me, a wealth tax is absolutely critical. We need to address this question of ‘Is there any money left?’. There’s plenty of money, it’s all about choices that government make.”

More on Budget 2025

At this monthly cheese club, people told us about their priorities ahead of the budget
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At this monthly cheese club, people told us about their priorities ahead of the budget

The evening’s cheese tasting was being marshalled by Lisa Kempster. “The impression I get from talking to people is there’s a lot of uncertainty, but when you ask them what they’re uncertain about, they’re not really sure, there’s just a general feeling of uncertainty and being cautious.”

Ali Fletcher reckons wealth inequality is a major problem
Image:
Ali Fletcher reckons wealth inequality is a major problem

Read more:
Budget will be big – and Starmer has some serious convincing to do
Reeves vows to ‘grip the cost of living’
What tax rises could chancellor announce?

This corner of Halifax, close to the town’s historic Piece Hall, is buzzing with clubs, bars and restaurants, trying hard to defy the crunch in the night-time economy. It is a useful measure of how the landscapes of our town and cities has changed.

“Whenever there’s a budget, for a few days afterwards, there’s a drop off in trade,” said Michael Ainsworth, owner of the Graystone Unity, a bar and music venue in the town.

“I accept the government needs to raise money but, in this day and age, there’s better ways to go about doing that, like closing tax loopholes for the huge businesses to operate up with banking arrangements outside the UK.”

Michael Ainsworth owns a bar and music venue and thinks the chancellor needs to close tax loopholes
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Michael Ainsworth owns a bar and music venue and thinks the chancellor needs to close tax loopholes

In the bar, a folk singer is going through a quirky and caustic set. In the basement, a punk band called Edward Molby is considerably louder.

On a sofa in the main bar, recent graduates Josh Kinsella and Ruby Firth, newly arrived in Halifax because of its more affordable housing, pinpoint what they want on Wednesday.

“Can we stop triple-locking the pensions, please? Stop giving pensioners everything. For God’s sake, I know they have hard times in the 70s and the 80s, but it just feels like we’re now paying for everyone else.”

Josh Kinsella and Ruby Firth feel there's too much focus on pensioners
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Josh Kinsella and Ruby Firth feel there’s too much focus on pensioners

Ben Randm is a familiar face at the bar and well known on the music scene with his band, Silver Tongued Rascals.

“Everyday people are seen as statistics, we’re always the afterthought. When the cuts are done, we’re always impeded and the ramifications that has for people’s livelihoods, for people’s mental health, for people’s passion and drive… it’s such a struggle.”

He, like many in the night-time economy sector, wants extra help for hospitality and venues that, he says, provide a vital community link.

Ben Randm who has his own band reckons everyday people are 'always the afterthought'
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Ben Randm who has his own band reckons everyday people are ‘always the afterthought’

David Van Gestel chose Halifax to open the third branch of MAMIL, a bar in jokey honour of those cycling “middle-aged men in Lycra”. On a busy quiz night, he said venues had to provide something different to get people out of their homes.

“I think the government needs to start putting some initiatives in place. They talk about growth but the reality is that the only thing we’re seeing grow is our costs.”

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TikTok boss insists teens’ safety not at risk from AI moderation

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TikTok boss insists teens' safety not at risk from AI moderation

There’s a lot going on at TikTok right now. 

As well as online safety updates and new features, the company is introducing sweeping changes to how it moderates the platform’s content.

At the same time, there’s an intense focus on online safety, particularly here in the UK.

With all that going on, Sky News got a rare, exclusive sit-down with one of TikTok’s senior safety executives, Ali Law.

The increasing role of artificial intelligence

One of the biggest changes happening at TikTok is around artificial intelligence.

Like most social media companies, TikTok has used AI to help moderate its platform for years – it is useful for sifting out content that obviously violates policies, and TikTok says it now removes around 85% of violative content without getting a human involved.

More on Artificial Intelligence

File pic: Reuters
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File pic: Reuters

Now, it is increasing its use of AI and will be relying less on human moderators. So what’s changed that means TikTok is confident AI can keep young users safe?

“One of the things that has changed is really the sophistication of those models,” said Mr Law, who is TikTok’s director of public policy and government affairs for northern Europe. He explained that AI is now better able to understand context.

“A great example is being able to identify a weapon.”

Whereas previous models may have been able to identify a knife, newer models can tell the difference between a knife being used in a cooking video and a knife in a graphic, violent encounter, according to Mr Law.

“We set a high benchmark when it comes to rolling out new moderation technology.

“In particular, we make sure that we satisfy ourselves that the output of existing moderation processes is either matched or exceeded by anything that we’re doing on a new basis.

“We also make sure the changes are introduced on a gradual basis with human oversight so that if there isn’t a level of delivery in line with what we expect, we can address that.”

Human moderator jobs being cut

That increasing use of AI means TikTok will rely less on its network of tens of thousands of human moderators around the world.

TikTok moderators and union workers protested outside the company's London headquarters over job cuts
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TikTok moderators and union workers protested outside the company’s London headquarters over job cuts

In London alone, the company is proposing to cut more than 400 moderator jobs, although there are reports a number of those jobs will be rehired in other countries.

On 30 October, Paul Nowak, general secretary of the TUC union, said “time and time again” TikTok had “failed to provide a good enough answer” about how the cuts would impact the safety of UK users.

Ali Law speaks to Sky News from TikTok's European headquarters in Dublin
Image:
Ali Law speaks to Sky News from TikTok’s European headquarters in Dublin

When Sky News asked if Mr Law could ensure UK users’ safety after the cuts, he said the company’s focus is “always on outcomes”.

“Our focus is on making sure the platform is as safe as possible.

“We will make deployments of the most advanced technology in order to achieve that, working with the many thousands of trust and safety professionals that we will have at TikTok around the world on an ongoing basis.”

Dame Chi Onwurah speaks at the House of Commons. File pic: Reuters
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Dame Chi Onwurah speaks at the House of Commons. File pic: Reuters

The UK’s science, technology and innovation committee, led by Labour MP Chi Onwurah, has issued a probe into the cuts, with Ms Onwurah calling them “deeply concerning”.

She said AI “just isn’t reliable or safe enough to take on work like this” and there was a “real risk” to UK users.

However, Mr Law said that, as a parent himself, he is “also highly concerned and highly interested in issues of online safety”.

“That’s why I’m so confident in the changes that we are making at TikTok in terms of content moderation as a whole,” he said.

“The power really comes in the combination of the best technology and human experts working together, and that still is the case at TikTok and it will be going forwards as well.”

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UK’s online safety rules: One month on

New wellness tools

The interview came at the end of an online safety event at TikTok’s Dublin office, its European headquarters.

During the conference, the company announced a number of new features designed to increase user safety, including a new in-app Time and Wellbeing hub for TikTok users.

The hub is designed with the Digital Wellness Lab at Boston Children’s Hospital and gamifies mindfulness techniques like affirmations, not using TikTok during the night and lowering your screentime.

Ali Law, TikTok's director of public policy and government affairs for northern Europe
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Ali Law, TikTok’s director of public policy and government affairs for northern Europe

Read more from Sky News:
Meta to block Instagram and Facebook for users under 16 in Australia
Half of novelists fear AI will replace them entirely, survey finds
How violent extremists are thriving online – and why it’s getting harder to catch them

Cori Stott, executive director of the digital wellness lab, said many people use their phones to “set their wellbeing, to reset their emotions, to find these safe spaces, and also to find entertainment”.

The hub was built as part of the TikTok app because young people want wellness tools “where they already are”, without needing to go to a different app, she said.

Still, there are plenty of reports suggesting that phone use and social media has a damaging effect on young people’s mental health… is TikTok trying to solve a problem of its own creation?

“If you are a teen on the app, you will load up and find that you have, if you’re under 16, a private profile, no access to direct messaging, a screen time limit set at an hour, [and at] 10pm sleep hour suggestion,” said Mr Law.

“So the experience is one that does try and promote a balanced approach to using the app and make sure that people have the options to set their own guardrails around this,” he said.

“I think the other thing I’d say is that the content on TikTok is, in the main, inspiring, surprising, creative.”

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£1,000 side-hustle rule explained – from Vinted to Xmas markets | Money newsletter

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£1,000 side-hustle rule explained - from Vinted to Xmas markets | Money newsletter

Sky News has launched a free Money newsletter – bringing the kind of content you enjoy in the Money blog directly to your inbox.

Each Friday, subscribers get exclusive money-saving tips and features from the team behind the award-winning Money blog, which is read by millions of Britons every month.

Sign up today, and this coming Friday you’ll find the following in the newsletter:

  • The tax rules for side hustles explained – from Vinted to Christmas markets;
  • Why Black Friday might not be the best time to buy a TV;
  • Early access to our weekly Money Problem feature – this week’s concerns a reader’s row with Asda about late deliveries;
  • And we outline the best deals available in five key areas for your household budget.

So join our growing Money community – and thanks to the thousands of you who already have.

What to expect each week

The newsletter is your essential personal finance companion, with digestible information to help you make smarter decisions on your savings, mortgages, holiday money and much more.

As a subscriber, you get additional exclusive content that goes beyond the blog.

At a time when the global economy faces so much uncertainty, we have analysis from our trusted economics teams on the big stories that affect the cash in your pocket.

You also get first looks at popular features such as Money Problem, Cheap Eats, What It’s Really Like To Be A and our weekend Long Read.

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