Our Story

Back in 2020, I was exploring different ways to resolve the housing crisis and to help homebuyers get on track to create wealth only to realize that getting people to homeownership solves half the problem. Housing is the largest source of wealth for 95% of US households and makes up more than 90% of their net worth. Housing expense is the largest spending category making up a third of total annual household expenditures. With a savings rate of less than ten percent, most Americans will not be able to cover all their monthly expenses even for a month after a disruption in income. More than half of Americans live paycheck-to-paycheck, including half of those making $50,000 to $100,000 a year. Homeownership has been favored for their merits regarding relative housing stability, tax benefits, community, and potential long-term gains. However, these benefits hinge on the state of the economy, which is outside of our control. ​At Simply Gray, we want to empower homeowners to better manage their most significant exposure to market risk while fostering financial stability and growth.