In this week's episode, we welcome Janneke Ratcliffe, Vice President for the Housing and Communities Division at the Urban Institute, a nonprofit research organization that has been providing data and evidence to help advance upward mobility and equity for more than 50 years. Over a career that spans industry, the nonprofit sector, academic research, and the federal government, her work focuses on increasing access to financial systems that foster economic security and prosperity.

Ratcliffe joins NHC President and CEO David Dworkin to discuss the roots of America's housing crisis—from supply shortages and rising costs to barriers in Black homeownership—emphasizing that housing affordability is the strongest predictor of homelessness.