Prices are outpacing earnings in Georgia, with individuals like Sam Day, an insurance advisor, struggling to save for the future due to daily financial challenges. The cost of building has increased by approximately 40% over the past four years, leading to affordability issues. Rising prices in food, insurance, and other expenses are impacting consumers daily, with inflation being a concern. Various factors such as taxes, insurance, land costs, construction costs, and government regulations are contributing to the unaffordability of housing, particularly in workforce housing. In Florida, the cost of living has significantly risen.