According to Semya-Moya, the best city in America isn't NYC, Washington D.C., or Los Angeles —  it's Buffalo, New York! Over the past year, Clever conducted 16 city-focused studies that looked at the 50 most populous metro areas and analyzed everything from home prices and roadways to the best food and most LGBTQ-friendly places to live.

Despite never landing the No. 1 spot in any study, Buffalo's highest rankings were for the Best Commuter Cities and Inflation vs. Home Prices, taking the No. 2 spot for both.

Notable rank changes this year include significant gains for San Francisco, Minneapolis, and Pittsburgh — which all moved up over 20 spots — and substantial declines for Providence, Orlando, and Tampa — which dropped 20 places. Falling slightly by three places, Miami, Florida, finds itself at the bottom of the list this year.

The following cities rounded out the top 10 best overall cities for 2023:

1. Buffalo, New York
2. Denver, Colorado
3. Baltimore, Maryland
4. Minneapolis, Minnesota
5. Portland, Oregon
6. Pittsburgh, Pennsylvania
7. Milwaukee, Wisconsin
8. Austin, Texas
9. Las Vegas, Nevada10. Cincinnati, Ohio

Best City for Real Estate

Pittsburgh, Pennsylvania, sits at the top of the list of best real estate cities for 2023. Based on three housing studies that looked at rent prices vs. income, home prices vs. income, and price per square foot, Pittsburgh ranked as the most affordable city in the U.S. overall, while Los Angeles was the least affordable.

Cincinnati had the lowest rent-to-income ratio at 15.5%, while Miami residents shelled out 28.5% of their income on rent. The South Florida city also saw the most significant increase in home prices since 2022, with a growth of 16%.

For those looking to invest in real estate, Pittsburgh was the most affordable city to buy a home, where the median home price costs 3.2x the annual median income. San Jose, California, had the worst ratio at 12.1.

Unsurprisingly, California continues to see a mass exodus as home prices remain well above the national average. Four of the top five cities with the highest price per square foot are in California, with San Francisco topping the list at a staggering $716 per square foot. In contrast, Cleveland, Ohio, has the lowest price per square foot at an affordable $133 per square foot.

Home prices are a driving factor when choosing where to live; however, Clever also sought to find out where Americans want to live if money were no object. According to 1000 Americans, Seattle is the most desirable and underrated U.S. city, while New York City is the most overrated. 

Best Cities for Food

The podium for best food city in America is a mile high thanks to Denver nabbing the top spot. Throughout the year, the Colorado capital received consistently stellar marks across six separate food-related studies. Its top rank came on the Best Burger Cities list, where it earned the number three spot. 

Unfortunately, not all cities are a foodie's paradise. Virginia Beach, Virginia had a poor showing, consistently falling short in every food-related study this year.

Richmond, Virginia, takes the top spot for burger lovers based on metrics such as burger restaurants per capita and average Yelp ratings. In Richmond, folks can buy a burger every day for a year, and it would only cost 4.8% of their annual income, compared to the national average of 5.6%. 

With all the extra cash, hop over to Pittsburgh and enjoy a cold pint in the country's best beer city. While home to various local craft breweries and nationally recognized brands, Pittsburgh takes the top spot due to its affordability of imported beer.

Look no further than Detroit, Michigan, for the best pizza in the country. Motor City is a slice above the rest regarding their 'za. Whether sharing a pie at famed spots like Loui's or Buddy's or delivery from hometown chain Little Caesars, Detroit's got something for everyone. 

One of the most controversial categories this year was Best Taco Cities. Everyone has an opinion on who makes the best, but according to one Clever study, Austin is officially número uno. Clever looked at metrics such as the average cost of taco supplies and the percentage of taco restaurants. Austin residents have a host of local taco joints to choose from, where 7.4% of all restaurants in the city are taco spots. 

The Texas capital was also named the best BBQ city. The Lone Star State dominated the top 10 spots, with San Antonio sitting comfortably at No. 3 and Houston at No. 7.  

Best Public Transit System

New York City ranks as the No. 1 city with the best drivers, outranking other major cities primarily due to its major public transportation system, which ultimately contributes to higher road safety despite its reputation for gridlock traffic.

Jacksonville, Florida, was named the city with the worst drivers, where there are 10.9 annual driving deaths per 100,000 residents, compared to NYC's 3.3 deaths.

While The Big Apple might have the best public transportation system in the country, Salt Lake City took home the No. 1 spot as the city with the best commute, where local drivers lose just 12 hours to traffic annually. Houston was named the city with the worst commute, where residents lose 74 hours to traffic every single year.

Most LGBTQ-Friendly City

If inclusivity is the top priority when choosing a place to call home, San Francisco is the No. 1 most LGBTQ-friendly city in America. The Clever study analyzed the country's 50 most populous metros and how inclusive they were to the LGBTQ community, considering factors related to political protections, as well as social and community offerings, including the number of annual Pride events, gay bars, and the number of National LGBTQ Chamber of Commerce chapters.

Memphis, Tennessee, ranks as the least LGBTQ-friendly city in the country. Tennessee's state equality tally score sits at a dismal -11.5 out of a possible 43.5. Additionally, there are only 0.22 gay bars per 100,000 residents in Memphis, compared to 0.63 gay bars per 100,000 residents in San Francisco, a whopping 186% more.

The post New York City…The Country's Most Overrated City? appeared first on Semya-Moya.

Additionally, four other California cities appear towards the top of the list that used criteria like "Pride events per 100,000 residents" and "Count of state-level anti-trans legislation" to complete the ranking. 

On the opposite side of the scale, Memphis, Tennessee, is named the least friendly city due in part to the large percentage of residents who oppose same-sex marriage. 

1. San Francisco, CA

Often referred to as The Golden City, San Francisco earns top honors as the most LGBTQ-friendly city in America. Identifying as a haven for hipsters, artists, hippies, vagrants, and more, it's no big surprise the city ranks No. 1 on the list. 

San Francisco has a Municipal Equality Index Score of 100, which evaluates how inclusive laws, policies, and services are for lesbian, gay, bisexual, and transgender people across the United States. 

The city has 0.63 gay bars per 100k residents, 110% more than the average city in the Clever study. Besides all the fun the city offers, SF  provides its residents with several local organizations, such as PFLAG and the National LGBT Chamber of Commerce, where local families and allies can go for support. 

2. Hartford, CT

While the capital of Connecticut may only have 0.08 gay bars per 100k residents, which is 73% fewer than average, Hartford does offer its residents 0.25 PFLAG chapters per capita, a whopping 213% more than the average metro area in the study. 

Hartford's state equality tally score is 39, 134% higher than the average state's tally score of 16.7, and only 11% of residents oppose same-sex marriage, which is significantly less than the national average of 27%.

3. Las Vegas, NV

Known as the Entertainment Capital of the World, Vegas offers various restaurants, bars, and social events dedicated to the LGBTQ community. The metro area features 0.22 pride events per 100K residents, a staggering 214% more than the average metro in the study, and has 0.57 gay bars per capita, 90% more than the typical city. 

Clearly, people in Sin City are looking for a good time because Vegas had the highest number of Google searches for "drag brunch," followed by New Orleans and Louisville.

4. Portland, OR

One might think NYC or Los Angeles would have the most prominent LGBTQ population. It's actually Portland with 8% of the local population, slightly above the national proportion of 5.1%. 

This liberal mecca is one of the top cities in the country when it comes to offering LGBTQ-affirming healthcare. Portland has an estimated 3.07 LGBTQ+-affirming healthcare providers per capita, and the state equality tally score is 38.5, 131% higher than the typical state's tally score.

Only 17% of people in Portland oppose same-sex marriage, and recently, Oregon tied for the third-highest percentage of same-sex couple households in the country at 1.3%.

5. Denver, CO

With Denver's laid-back and welcoming vibe, the Mile High City is the No. 5 most LGBTQ-friendly city in America. Denver ranks as the city with the third highest number of gay bars in the country, with 0.61 per 100k residents.

Denver's state equality tally score is an impressive 42.5, and the city offers LGBTQ+ inclusive curriculum standards in schools, several local PFLAG and NGLCC charters, and has an estimated 1.75 LGBTQ+ affirming healthcare providers per capita, which is 25% more than the average metro in the study.

6. Los Angeles, CA

A bona fide LGBTQ hotspot, Los Angeles truly has something for everyone with its incredible assortment of arts & cultural events, queer-owned businesses, and an array of diverse neighborhoods where large portions of LGBTQ live. With a thriving gay nightlife scene and home to one of the largest annual Pride events in the country, it's no wonder 6% of the LA metro area identifies as LGBTQ, with West Hollywood being the epicenter of the LGBTQ community. 

Only 25% of LA residents oppose same-sex marriages, which is 7% lower than the national average of 27%. 

7. San Diego, CA

San Diego has more Pride events per capita than any other city in California, edging out both San Francisco and LA.

California was the first state to legalize domestic partnerships between same-sex couples. San Diego is a shining example of the Golden State's progressive values, with 82% of San Diegoans approving same-sex marriage. 

8. Sacramento, CA

Often overshadowed by California's larger metro areas, Sacramento has its own thriving LGBTQ community. Featuring a City Municipal Equality Score of 100, Sacramento is a top spot for the diverse LGBTQ community to call home.

The capital city is well supported by resources, including a local PFLAG chapter and the Sacramento LGBT Community Center, and plays host to many annual events, including Sacramento Pride, the Rainbow Festival, and the Sac Valley AIDS Walk.

 9. Chicago, IL

The city of Chicago is home to the country's first official LGBTQ+ neighborhood and celebrates Pride Month every June, which includes both Chicago Pride Fest and the famed Chicago Pride Parade.

Chi-Town has 15% opposing non-discrimination laws, 21% lower than the national average of 19%. The city features 38% more PFLAG chapters than the typical city in the study and features a state equality tally score of 37.5, a staggering 125% higher than the average state tally score. 

10.  New Orleans, LA

To say New Orleans has a flourishing LGBTQ scene would be an understatement. NOLA has more pride events per capita than any other metro in the study. The city hosts 0.32 pride events for every 100,000 residents, nearly 5x more than the average city. Being that New Orleans has a big party scene, it's no surprise that the Big Easy also has the most gay bars per capita in the country.  

Although the state of Louisiana recently passed a bill ending gender-affirming care for trans youth, the city of New Orleans continues to work hard on the local level to be more inclusive of LGBTQ citizens. In fact, despite being in the Deep South, NOLA is the No. 4 city in the country, with the lowest percentage of those who oppose same-sex marriage, at only 11%. 

While many states continue to pave the way toward a more inclusive future for the LGBTQ community, other states are slow to progress.

 With its rich history rooted in music culture, it might come as a surprise to see Memphis named as the least-friendly LGBTQ city in the country. The city's state equality tally score comes in at a disappointing -11.5, 169% lower than the average state's tally score of 16.7. 

While the downtown area of Memphis is home to many gay bars and other LGBTQ establishments, the city has no PFLAG chapters, zero state LGBTQ+ inclusive curricular standards, and 36% of voters oppose same-sex marriage, which is one of the highest percentages in the country. 

The post This State is Home to the Most LGBTQ-Friendly Cities in America appeared first on Semya-Moya.

The sun is out, birds are chirping, and love is in the air. Wedding season is officially upon us once again! However, according to a recent study, there may be more people saying "I don't" than "I do" this year.

Over the last 50 years, the marriage rate in the U.S. has decreased by a whopping 60 percent according to the news website, Axios. In a wide-ranging survey on Americans' feelings about marriage, Semya-Moya found that nearly one-third of currently unmarried residents have no desire to get married at all. Moreover, 25% of those surveyed think the idea of marriage is outdated.

Eligible singles nowadays are tying the knot less and less. Sometimes, it’s because potential partners don't see eye-to-eye on critical aspects of their relationship. Some of these reasons may be obvious, while others may surprise you.

Take a look at the 13 biggest deal breakers couples face when deciding whether or not to walk down the aisle.

1. You don't get along with your partner's family

They say when you marry someone, you marry their entire family. Suppose you've got beef with your future mother-in-law. In that case, these unresolved issues can create significant tension between you and your partner and, ultimately, change the dynamics of your relationship.

According to the Clever survey, nearly 40% of Americans say they have regrets about their marriage. If you foresee your partner's family being a potential roadblock on your journey toward marital bliss, remember to establish healthy boundaries and do what's best for you and your partner.

2. Opposing political beliefs

Marrying someone with opposing political views can lead to a successful marriage. Still, there's a good chance you'll encounter a few hurdles. Over the last decade, more and more people have become less willing to date or marry someone with differing political ideologies. According to research from the Democracy Fund Voter Study Group, only 3% of all American adults are married to someone from the opposing political party.

So, next time you open your dating app, you may want to ask, "Right or Left?" before swiping right or left.

3. My family doesn't like my significant other

We all want our families to love who we love just as much as we do. Unfortunately, not everyone you bring home will be met with rave reviews. Women tend to prioritize their family member’s opinions more than their male counterparts, with 65% saying it's a deal breaker if their family doesn't like their significant other.

4. My friends don't like my partner

If you've ever watched a dating show, you know it's a bad sign when your friends don't like your new beau. Studies show that relationships tend to be more successful if they have the support of friends and family. Women are 39% more likely to consider their friends' opinions about their partners.

It's easy to miss a lot about a person when you're dating someone new and blinded by love. However, introducing your new partner to your friends may highlight missed warning signs.

5. Poor finances

Most people getting married do so for love. However, financial stability is another motivating, albeit much less romantic factor in people's decision to tie the knot. According to the Clever survey, nearly 66% of married couples report improved finances after marriage, and 28% of respondents say a partner with poor finances is a potential deal breaker, while 65% consider it a definite dealbreaker.

While 50% of first marriages end in divorce, it's also important to note that 45% of divorcees attribute poor finances as a reason for divorcing.

6. My significant other has too much debt

Regarding poor finances, the last thing you want to do is hitch your wagon to someone carrying thousands of dollars of debt. According to survey respondents, the median amount of acceptable debt for a potential marriage partner to accrue is between $20,000 and $30,000, with the most common limit falling between $10,000 and $20,000.

Whether you're looking to get married or not, financial experts recommend that single adults, in general, should not have upward of $10,000 in non-mortgage and non-student loan debt.

7. You want children, but your partner doesn't

There are a lot of big life choices you and your partner have to agree on, like where to buy a house or how to handle finances. But, having children is arguably the biggest decision you'll have to make in your lifetime. If you and your partner have opposing views on wanting children, that could be a huge deal breaker for marriage.

Nearly 30% of all survey respondents said that having children was one of the main reasons for tying the knot. For individuals who never want children, the most common reason is simply not wanting them (35%), followed by how much work children are (29%), the cost of raising children(29%), and feeling like they wouldn't be a good parent (27%).

8. Different religions

Interfaith marriages are not uncommon. In fact, according to the Pew Research Center, 1 in 5 American adults grew up in an interfaith household. But, what may deter people from marrying someone of a different religion is just how religious they are.

According to Pew, "those in mixed marriages are generally less religious than those married to a spouse that shares the same religion." If religion isn't a big priority in your life, then finding a spouse who shares your beliefs may not be a priority. But, if you consider yourself more religious, a partner who doesn’t share that sentiment may be a deal breaker.

9. Opposing views on pets

This one goes beyond being a cat person or a dog person. Having a pet is a commitment that not everyone is willing to make. Animal lovers may be wary of marrying a partner who considers a goldfish a household intrusion.

Author and licensed marriage and family therapist, Kiaundra Jackson, says the decision to get a pet as a couple "should be based on responsibility, finances, clear communication, maturity, and desire." If those elements aren't there, you may find yourself making a hard decision between your partner and your furry friend.

10. Different lifestyles and hobbies

Just because you're considering getting married doesn't mean you have to find a partner that likes everything you like or lives precisely how you live. Maintaining independence within a relationship is healthy and encouraged!

But there's a big difference between having everything in common and having nothing in common. Nearly one-third of survey participants said having different lifestyles and hobbies would be a deal breaker.

11. You don't trust your partner's friends

Things can turn sour quickly if you don't like or trust your partner's friends. Trusting your significant other's friend group is essential because you want to feel that their friends respect and support your relationship. If your partner's friends are talking negatively about you behind your back, are unfaithful in their relationships, or are simply a bad influence, you may want to evaluate what that means for your relationship in the future.

12. Your partner is rude to service workers

If you want a glimpse into your possible future with your significant other, pay attention to the way they treat servers, sales associates, or flight attendants. A person who is rude or bullies any service worker is likely, sooner or later, to display that same type of aggressive behavior in their relationship.

Baby Boomers care the least if their significant other treats a service worker poorly. In contrast, Gen Z is a whopping 58% more likely than millennials to view rudeness to service workers as a dealbreaker.

13. My partner won't marry me

If your partner continues to make excuses for not being ready to marry you, it may be time to move on to someone who is. If you've both agreed to wait until you've finished school or saved up for a down payment on a house, that's one thing. But if your partner knows you want to get married and they can't fully commit, then that's a deal breaker.

Most couples tied the knot after at least three years of dating (64%). Baby Boomers move swiftly and are 55% more likely to have gotten married within one year or less of dating. Younger generations tend to be slower off the jump and prefer to have their finances and career path in place before legally committing to another person.

On average, men seem more lenient than women regarding how long they're willing to date before marriage. Women are 119% more likely to consider ending the relationship after two years and 102% more likely to end it after one year if marriage wasn't on the table.

The post The 13 Biggest Deal Breakers for Marrying a Potential Partner appeared first on Semya-Moya.

While their parents belonged to the "Greatest Generation," Gen X may soon be carving out a reputation as the "Broke Generation."

A recent survey conducted by Semya-Moya polled 1,000 Gen Xers born between 1965 and 1980 to find out how they fare when it comes to personal finances and the road to retirement. A staggering 56% of Gen Xers said they have less than $100,000 saved for retirement, and 22% said they have yet to save a single cent.

The reasons for the lagging savings varied, with many citing poor economic conditions and backbreaking student debt as retirement roadblocks. With the eldest members well into their 50s, the reality is that Gen Xers are facing a retirement crisis, and unless they take action now, they won't be able to retire comfortably.

Early Financial Setbacks Have Gen X Behind

One of the main reasons why Gen Xers have yet to save enough for retirement is that they have faced several financial challenges throughout their lives. A majority entered the workforce during the recession of the early 1990s, which made it difficult to secure stable jobs and earn decent wages.

They also faced significant student loan debt, with the average amount owed being a whopping $43,438 per borrower. Generation X holds 38.8% of the $1.63 trillion in federal student loan debt, accounting for more than any other generation.

Gen Xers have also been hit hard by the housing crisis, with many of them purchasing homes at the market's peak in the mid-2000s. When the market crashed, many of these homeowners found themselves with properties worth less than what they had paid for them, leaving them with negative equity. As a result, they could not sell their homes or refinance their mortgages, making it difficult for them to save for retirement.

Additionally, many Gen Xers have not taken advantage of retirement savings plans like 401(k)s and IRAs, which could have helped them save more for retirement. According to the Clever survey, 64% of Gen Xers are saving 10% or less of their monthly income for retirement. Experts recommend that workers save a minimum of 10-15% of their pre-tax income each year for retirement, including any employer match.

Historic Inflation Adds Mounting Pressure

Of all the significant events in their lifetime, Gen Xers say the current inflation crisis has had the most impact on their financial situation, surpassing the COVID-19 pandemic and the 2008 recession. More than two-thirds of Gen Xers (69%) report that inflation has negatively impacted their retirement plans and 40% say they have no confidence that they can afford retirement at all.

A Large Majority of Gen X Is in Debt

No matter what your yearly income may be, it's tough to devote any money to retirement savings when you carry a significant amount of debt. When discussing what prevents them from helping their future selves, 80% of the Gen Xers surveyed said that they were carrying some form of debt, with 52% indicating they have at least $10K in non-mortgage, typically credit card debt.

This credit card debt may be because Gen Xers are pinched between two generations, costing them an arm and a leg. They have to care for their parents from the aging Baby Boomer generation while still shelling out money to help their adult children from the Millennial generation. Tack on personal expenses, and it's easy to see why these middle-aged Americans are far from the career finish line.

While the desire to retire may be there, the money just isn't. A whopping 64% of respondents said they stopped saving for retirement not because they don't want to but because they simply can't afford to.

It's Never Too Late to Start Saving

As Gen Xers retire, the lack of savings becomes even more critical. Without adequate savings, they will be unable to maintain their standard of living or pay for essential expenses like healthcare and housing. This means more and more individuals will need to rely on government programs like Social Security and Medicare.

Ironically, it seems that Millennials (aka children of Gen Xers) are transforming the way retirement savings are approached, with many having already saved more than their parents did at the same age.

To play catch up, Gen Xers need to take action to increase their retirement savings. Here are a few steps they can take:

1. Start saving as much as possible: Even if you've yet to save much for retirement, it's never too late to start. Try and save as much as possible, even if it means making some sacrifices in your current lifestyle.

2. Maximize retirement savings: If your employer provides a 401(k) or a similar plan, enroll and contribute as much as possible, taking advantage of any employer matching programs. Additionally, consider opening an IRA to boost your savings.

3. Prioritize debt repayment: Focus on paying off high-interest debt like credit cards and personal loans. By doing so, you'll have more funds available for retirement savings.

4. Cut unnecessary expenses: Trim non-essential purchases such as dining out or buying expensive clothing. Seek ways to save on monthly bills, such as reducing energy usage or negotiating lower service rates.

5. Explore stock and mutual fund investments: Stocks and mutual funds can offer higher returns than traditional savings accounts or CDs, but they also carry more risk. Research thoroughly and consult a financial advisor before making investment decisions.

The post Find Out Why 64% of Gen Xers Have Stopped Saving for Retirement appeared first on Semya-Moya.

Unfortunately, most people don't have this talent – and don't want to pay $2,000 to $12,000 to hire an interior designer and thousands more for furniture.

Don't worry. You have more affordable interior design options, including free ones. These services range from paint color apps to websites offering design consultations.

Below are seven inexpensive (or free!) interior design services to beautify your space.

>>TIRED OF COSTLY APPLIANCE REPAIRS? Check out these top home warranty companies today

Havenly

Image source: Havenly

Havenly says its interior design service is the "easiest way to design your space." With affordable options and a seamless online experience, they may be right.

The fun begins by choosing a Havenly designer as your collaborator. You can view their portfolios or take a style quiz to see which designer fits your style. Your designer will curate inspiration and ideas for your space with the info you provide. Virtual packages start at $129, with an in-person option for more ambitious designs.

Havenly CEO Lee Mayer says Gen Z and Millennial customers often prefer in-person design options. "Adding in-person services addresses a market typically overlooked by other models," says Mayer. "You can take the benefits of online shopping, online communication, texting, and messaging and also still meet with your designer and walk them through your space."

>>OUTSMART THE MARKET. Get Semya-Moya's free weekly newsletter for homeowners, buyers and sellers.

Spacejoy

Image source: Spacejoy

If you're looking for a turnkey solution to your interior design needs, Spacejoy is the place to go.

Like Havenly, Spacejoy offers one-on-one consultations with professionals and personalized design options. But, what sets Spacejoy apart is its "Shop Sets" feature. Think of it as a showroom for your bedroom or whatever space you're redesigning.

First, choose a room type. Then, filter the selections based on your preferences in categories like "Lifestyle" or "Configurations." Voila! A completely redesigned room appears on your screen. Each "set" is interactive, allowing you to virtually swap out pieces you don't like, change the wall colors, or reconfigure the room to account for walls and stairs.

Spacejoy has partnered with over 35 well-known brands like Pottery Barn and Crate & Barrel.

"We married the best of both these worlds through the use of technology and design," says CEO Arnab Saharoy. "Everything is instant, and one need not wait for days to work with an interior designer."

Spoak

Image source: Spoak

Some people may want design tools more than the services of an interior designer. Spoak is an "online interior design studio" with easy-to-use tools like its virtual renderer, project budgeter, and project editor.

This all-in-one DIY solution also connects you to a community of fellow design lovers for inspiration and advice. Last year, Instagram influencer and entrepreneur Alyssa Coscarelli spoke to Domino about using Spoak's design tools to reinvent her Los Angeles apartment.

She described using the tools for "visualizing what the space could be and as a central place to drop in...ideas for products and the color palette. It's basically 'Pinterest meets Etsy meets Photoshop' for interior design lovers."

Spoak also offers business tools and paid opportunities to pursue interior design as a career. You can set up shop, sell your creative services on the Spoak marketplace, and even apply for jobs using their Job Fair forum.

Clare

Image source: Clare

Choosing paint colors can be overwhelming. Clare is a paint startup founded by interior designer Nicole Gibbons. It sells non-toxic and eco-friendly paints ($69/gallon) in designer-curated colors. It also sells paint supplies.

Clare features no-mess peel-and-stick swatches, the Paint Calculator, and a quiz called Clare Color Genius. It asks you questions like "How much natural light does your room get?" and "How adventurous are you when it comes to color?" The quiz helps you pick the shade that’s right for you.

The Inside

Image source: The Inside

The Inside is a digital furniture startup founded by Christiane Lemieux, the former creative director at Wayfair.

The company makes semi-custom furniture on demand. It focuses on affordable fabrics, with over 100 options from crisp, clean neutrals to playfully bold prints. The company offers exclusive partnerships with heritage design brands like Scalamandré and Old World Weavers, but for a fraction of the price.

The Inside makes it easy to give your home a one-of-a-kind, custom feel with everything from headboards to dining room chairs. They offer free shipping within two weeks. Also, you can contact them for interior design advice. They'll answer your questions, even if it means sending a query directly to an in-house designer.

Free interior design services at your favorite stores

Image source: Restoration Hardware

Many of your favorite stores offer free interior design help if you're buying from them. It's always worth asking. For example, Pottery Barn, West Elm, Crate and Barrel, Restoration Hardware, and Serena & Lily all provide free design services. These include one-on-one virtual or in-store designer consultations, installation services, custom mood boards, product recommendations, 3-D room plans, free swatches, and more.

While these retailers may expect you to buy from them, it's not required. However, if you know you want a particular piece from a specific store, it can be a great way to get inspiration for the rest of your space.

Hire an interior designer by the hour

Image source: Shutterstock

Hiring a full-service design firm can cost thousands, but hiring a designer through websites like Upwork and Fiverr can cost as little as $15/hour.

These independent designers might not come with a hefty price tag, but they offer solid advice. They might create 3-D floorplans or offer recommendations on furniture scale, light fixtures, or art placement.

Brooklyn-based designer Kyra Frankel of Angle Poise Design says her clients are relatively independent. "Some clients just need me to help with rug size and where to place the right floor finishes." She provides her clients with a mockup of specific pieces for scale and style, and she recommends stores for purchasing.

Feeling overwhelmed?

Take a step back. Maybe you're not entirely sure what interior design style best suits you and your lifestyle. In that case, start by exploring apps like Pinterest or Instagram for inspiration. Make a mood board of all the images you feel drawn to, and you'll begin to see your design aesthetic take shape.

Design experts also suggest finding inspiration in less obvious places. These might include what you see and experience in your travels, nature, literature, favorite stores, and model homes.

"My biggest piece of advice is not to overthink it," suggests Maggie Griffin, founder and designer at Maggie Griffin Design. Design your home around what makes you happiest. Create a place that reflects your style. Once you figure out what that looks like, you'll be on your way to your dream home.

» MORE: Ways to Spruce Up Your Home for Free

Related articles

2023 Interior Design Trends: 10 Looks Coming in Hot

With a majority of recent home buyers living in fixer-uppers, 2023 will be a year for home renovations. Check out these 10 up-and-coming design trends.

How to Fund a Home Renovation: Home Equity Loan Vs. Refi Vs. HELOC

With a stagnant real estate market, more homeowners are staying put and doing renovations. What's the best way to fund your project?

10 Interior Design Trends to Ditch in 2023

Much like fashion, interior design trends are cyclical. And some of the decade's most popular looks are quickly falling out of favor. Here are the trends designers say to leave behind in 2023.

The post 7 Free and Affordable Interior Design Services to Help Your Style Shine appeared first on Semya-Moya.

Over the past year, the cost of everything from eggs to fuel has been sky-high thanks to high inflation numbers in the United States. A recent study conducted by Home Bay found that home prices have increased a whopping 42% since 2020, while inflation has increased 16%.

Despite higher mortgage interest rates hurting overall homebuyer spending power, it hasn't stopped Americans from migrating to highly desirable areas. For those looking to buy a home in a place with bright lights and big buildings, you might avoid these cities where, thanks in large part to inflation, home prices keep going up, up, up…

Here are the top 10 cities with the most change in home values from 2022-2023:

1. Miami, FL

Miami tops the list of cities where inflation has had no negative impact on the housing market. In fact, since 2022, average home prices in Miami have increased 16%, jumping from $380,664 to $441,390 on average.

Typical home value in 2022: $380,664

Typical home value in 2023: $441,390

Percent increase 2022-2023: 16%

2. Jacksonville, FL

Florida has seen a massive influx of new residents in the last few years. Because housing supply can't keep up with demand, the top four major cities in the country to see significant home price gains over the past year are all located in The Sunshine State.

While not quite as expensive as Miami, Jacksonville had the second-highest increase in home prices at nearly 14%.

Typical home value in 2022: $307,384

Typical home value in 2023: $349,781

Percent increase 2022-2023: 13.4%

3. Orlando, FL

Both snowbirds and younger families continue to flock to Florida, making housing in larger metro areas, like Orlando, more expensive than ever. In Orlando, home prices increased over 12% in the last twelve months, making it even more of a challenge for first-time home buyers to qualify for a mortgage.

Typical home value in 2022: $332,347

Typical home value in 2023: $373,914

Percent increase 2022-2023: 12.5%

4. Tampa, FL

Another city that saw a significant increase in home values over the last year was Tampa, Florida. This Gulf Coast city has seen tremendous growth in the previous five years. Its population has soared to over 3.2 million people, an increase of 5.6%, making it one of the fastest-growing metro areas in the country.

Typical home value in 2022: $321,430

Typical home value in 2023: $361,065

Percent increase 2022-2023: 12.3%

5. Oklahoma City, OK

Even more,] moderately priced markets like Oklahoma City have experienced increased home prices over the last twelve months. In 2022, the average home in Oklahoma City cost under $200,000, making it one of the most affordable cities on the list.

However, according to experts, the average home buyer needs 2.6 years to save for a down payment on a home and to still have enough money for a monthly mortgage payment. So, while home prices are still relatively affordable in this capital city, more people need help to afford a new home.

Typical home value in 2022: $192,089

Typical home value in 2023: $213,355

Percent increase 2022-2023: 11.1%

6. Hartford, CT

Connecticut may be one of the most expensive states in the country, but the state's capital offers a relatively reasonable cost of living. In fact, Hartford's cost of living is 13% lower than the state average, and the housing cost is 11% lower than the national average, with a median home price of around $300,000.

Typical home value in 2022: $278,854

Typical home value in 2023: $307,920

Percent increase 2022-2023: 10.4%

7. Richmond, VA

Housing costs in this historic city are comparable to the national average, and the median salary here is roughly on par with the national average. Even though home prices increased over 10% in the last year, Richmond remains a serious contender for potential home buyers.

Typical home value in 2022: $300,956

Typical home value in 2023: $332,317

Percent increase 2022-2023: 10.4%

8. Columbus, OH

The cost of living in Columbus is 12% below the national average, with groceries, gasoline, and restaurant prices generally more affordable than those in other Buckeye cities like Cleveland.

With median home prices below $300,000, it's no surprise Columbus has earned a spot on the list of best places to live for recent college grads and young professionals.

Typical home value in 2022: $257,785

Typical home value in 2023: $284,206

Percent increase 2022-2023: 10.3%

9. Nashville, TN

Not only is Music City known for its country music roots, but the southeastern city also has a reputation for being one of the best places to live in America!

Even though home prices have increased by 10.1% over the last 12 months, Nashville is still considered one of the most affordable cities in the U.S. – 4% lower than the national average. And since Tennessee is one of the few states that doesn't tax wages, residents can pay more for a home.

Typical home value in 2022: $382,165

Typical home value in 2023: $420,932

Percent increase 2022-2023: 10.1%

10. Memphis, TN

In the '60s and '70s, when Elvis ruled the halls of Graceland, the typical home price cost just $23,900. Since January 1970, home prices have raised 1,858% to a staggering $468,000. While home prices in Memphis continue to rise, they're still well below the national average, which could be one of the reasons it’s listed as a top destination for millennial homebuyers.

Typical home value in 2022: $205,449

Typical home value in 2023: $225,958

Percent increase 2022-2023: 10%

The news isn't all bad for prospective homebuyers, though. In some areas, inflation has curbed and even decreased year-over-year home price growth. Here are the top 10 cities with the smallest changes in home values from 2022-2023:

1. San Francisco, CA

While San Francisco is home to some of the most expensive real estate in the country — with the average home costing $1,096,477 — it was one of only two major cities to see a backslide in home prices over the past year.

Typical home value in 2022: $1,113,873

Typical home value in 2023: $1,096,477

Percent increase 2022-2023: -1.6%

2. New Orleans, LA

The only other city in the country to have a decrease in home prices over the last year was New Orleans. While it may be a marginal decrease, New Orleans remains one of the most affordable major cities for first-time home buyers. When you consider millennials are spending $433,100 on average for their first home, New Orleans' typical home price is nearly 50% less.

Typical home value in 2022: $238,291

Typical home value in 2023: $237,942

Percent increase 2022-2023: -0.2%

3. Sacramento, CA

Despite California having some of the most expensive home prices overall, the state's capital city saw the smallest increase in home values last year, with just a 0.7% increase. In fact, according to recent trends, there is only one zip code in all of Sac Town that has seen a rise in prices, the tiny River Pines enclave in Amador County.

Typical home value in 2022: $539,913

Typical home value in 2023: $543,529

Percent increase 2022-2023: 0.7%

4. Portland, OR

Locals are always trying to "Keep Portland Weird." However, Rip City residents shouldn't be weirded out by home value trends. With a modest 2.2% increase, prices have normalized recently, and buyers can find a place to call their own for $524,593 on average.

Typical home value in 2022: $513,434

Typical home value in 2023: $524,593

Percent increase 2022-2023: 2.2%

5. Salt Lake City, UT

Salt Lake City is growing. Fast. Not only has it been on the list of fastest-growing cities for years, but experts expect 2.2M new residents to flock to Utah's capital city by 2060. With all that growth, it may be wise to snatch up a house now that prices have only increased 2.5% since last year.

Typical home value in 2022: $510,876

Typical home value in 2023: $523,590

Percent increase 2022-2023: 2.5%

6. Denver, CO

According to the Home Bay study, home prices in Denver have shot up over 200% since the turn of the century. Well, prices are starting to plateau in the Mile High City. With a 2.6% increase year-over-year, Denver is one of only 17 cities in the study where growth was 5% or less.

Typical home value in 2022: $556,083

Typical home value in 2023: $570,262

Percent increase 2022-2023: 2.6%

7. Seattle, WA

The suburb of Medina, where the average home price is $4.18M, is the only non-California town to show up on the "10 Most Expensive Zip Codes" list. But, overall, average prices in Seattle have only grown 2.9% this year, 7th least among the cities examined.

Typical home value in 2022: $670,668

Typical home value in 2023: $689,866

Percent increase 2022-2023: 2.9%

8. San Jose, CA

Seven of America's top ten most expensive zip codes are in California, including this Bay Area city, where the average home price costs a staggering $778 per square foot! That means if you're buying a $1.38M in San Jose, you only get 1,781 square feet total. Yikes!

Typical home value in 2022: $1,343,798

Typical home value in 2023: $1,385,816

Percent increase 2022-2023: 3.1%

9. Minneapolis, MN

Minneapolis is one of the most affordable cities in the study. While prices have moderately increased by 3.2%, the typical home only costs $348,728. When you consider that the average household income for first-time buyers is $70,784, purchasing in Minneapolis would be a 4.9-to-1 home-price-to-income ratio, far below the national average.

Typical home value in 2022: $337,844

Typical home value in 2023: $348,728

Percent increase 2022-2023: 3.2%

10. Washington, DC

Just barely sneaking into the Top 10, Washington, DC has seen home prices tick up 3.3% over the past year. In general, buyers in the nation's capital have the upper hand in negotiations as homes are sitting on the market longer, and inventory has gone up 20%.

Typical home value in 2022: $504,539

Typical home value in 2023: $521,308

Percent increase 2022-2023: 3.3%

The post 10 Cities Where Inflation Has Caused Home Prices to Skyrocket in 2023 appeared first on Semya-Moya.

Although the worst of the COVID-19 pandemic is likely behind us, the lifestyle of working remotely and spending more time outdoors continues to flourish. There have been many changes after the Great Resignation of 2021 which saw 47 million Americans leave their jobs in search of more fulfilling roles. Many chose new jobs which provided more flexibility about when and where they work. Owing to this, more remote workers and even retirees are choosing to relocate based on lifestyles and cost of living, not the proximity to the nearest Metro station.

As Americans re-evaluate where they live, a big question is: How are people moving in 2023? A new survey from Semya-Moya polled 1,000 Americans on their experience with moving in the past year. The survey examines details about their type of move, their regrets about moving, how much their move cost, and if it surprised them.

Here are the key moving trends to look out for in 2023.

Where Are Americans Moving?

With higher mortgage interest rates, it’s not shocking that home buyers are seeking out more affordable states where they can get more for their money. Florida, Texas, and North Carolina were ranked as the top three states Americans relocated to in 2022.

Americans flocked to these more modestly priced states, most often from places like California, New York, and Illinois, where the cost of living can price people out. California saw over 300,000 people depart last year, even though over a quarter of those surveyed (27%) said it was their "dream state" to live in if money weren’t an issue.

Popular moving destinations like Austin, Raleigh, and Orlando tend to be cheaper and offer more suburban living options for those looking to escape the big city. Last year, 25% of Americans moved from cities to suburbs, with the majority (39%) stating that it provided a nice middle ground between the bustling city and rural country living.

The shift to more affordable, suburban destinations is expected to continue this year, increasing variability from market to market and even driving up home prices in highly desirable areas.

Why Are Americans Relocating?

Despite migration trends showing many people moved to more economical destinations in 2022, affordability was not the most popular reason. In fact, 24% said the quality of life was the main factor behind relocating, with affordability (24%) and seeking a larger place (22%) rounding out the top three.

The trend of upsizing was most prevalent among the boomers, with 50% of boomers upsizing last year, compared to just 32% of millennials. This dichotomy between age groups is in-line with what we know about the income gap between millennials and their parents. However, it is still counterintuitive to the common belief that retirees tend to be looking to downsize in their later years.

As 2023 rolls on, quality of life and affordability will continue to drive Americans to search for new housing options that fit their needs. But remember, affordability is all relative. As compensation for millennials and Gen Z workers increases, the likelihood that they seek out larger living spaces will also increase.

How Are Americans Moving?

Deciding to move is one thing, but figuring out how to get your stuff from one place to the next is an adventure unto itself. Among those surveyed, there was a balanced mix between those that hired professional moving services and those who tried to do it all themselves.

About one-third (32%) of DIY movers said they shied away from hiring professionals mainly because they were too expensive. They might have a fair point when you consider that 60% of those who used moving services spent more than $2,000 on their move, and 40% said they were charged something different from what they were quoted.

However, taking on the responsibility of moving alone comes with added headaches. When asked by Clever, 68% of Americans who didn’t utilize any moving service said the process was stressful, compared to 56% who outsourced the job.

The stress of moving won’t be going away in 2023, but the high costs of hiring professionals seem to be coming down. With pandemic-era restrictions gone and inflation improving, moving companies are starting to ease up on what they charge customers. "The prices are back down to where they were before Covid," International Van Lines CEO Josh Morales told Forbes recently. "The supply chain is still a little bit of an issue but has lightened up."

If you are one of the millions of Americans looking to relocate in 2023, remember to do your homework and work with a local realtor, research and read reviews before hiring a moving company, and set a realistic budget for your moving expenditures so you can avoid any moving missteps.

This article was produced by Semya-Moya and syndicated by Wealth of Geeks.

The post Moving Causes 43% of Americans to Fight With Loved Ones appeared first on Semya-Moya.

Last year, a viral TikTok about "quiet quitting" took the internet by storm. The term describes employees who have turned their backs on hustle culture by doing the bare minimum at their job instead of going above and beyond for their employer. The idea of "phoning it in" isn't new in the workplace, but the trend has picked up steam as Americans continue to reevaluate their work-life balance following the COVID-19 pandemic.

One-third of employees admit to quiet quitting their jobs, according to a recent study of 1,000 full-time workers conducted by Clever's sister site, Real Estate Witch, but the actual number is likely much higher. Although two-thirds of workers don't consider themselves quiet quitters, 78% have taken actions that constitute quiet quitting, including socializing more with co-workers during the workday, using their phones, watching TV, taking a longer lunch break, or calling in sick when they're healthy.

These are the top 10 reasons American workers quiet quit in 2023:

1. Employees feel undervalued in the workplace

For many employees, quiet quitting is often a direct response to their perceived treatment at work. Although most workers (86%) say they care about their company's success, 39% say their company doesn't care about their well-being. What's more, 56% of the people surveyed feel underpaid, and 40% say they are underappreciated at work.

2. They want a better work-life balance

A top reason so many workers reject hustle culture is because they need to alleviate burnout and create a more balanced lifestyle. Many employees see quiet quitting as a way to protect their mental and physical well-being against the stress of the daily grind.

Remote workers are 12% more likely than office workers to say they have an unhealthy work-life balance. To create boundaries and separate their professional and personal lives, remote workers (13%) are about 2x more likely than in-office workers (7%) to quiet quit by removing email and communication apps from their phone.

3. They believe hard work won't help them get ahead

The average person spends one-third of their life at work. That's a lot of emails, a lot of meetings, and a whole lot of coffee. When employees fail to see the fruits of their labor, they can quickly become disenchanted. More than half of workers (55%) believe hard work won't help them get ahead in today's workplace, and many may resort to quiet quitting as a result.

4. Managers have less direct supervision

As remote positions continue to increase, employees have less direct supervision and may feel enabled to quiet quit. About 81% of employees who work from home quiet quit in some capacity, compared to 76% of in-office workers.

Nearly 30% of employees say their manager doesn't keep track of their work. Additionally, 39% of those who have reduced their efforts over the past year say their manager hasn't noticed.

5. Workers are unhappy in their position

Workplace unhappiness is a consistent reason why employees may quiet quit. If they're unhappy, workers may not feel inclined to improve their performance, no matter how high their salary.

More than half of respondents (58%) say they'd be willing to take a pay cut if it means they'd be happier at work. Even in this turbulent economic climate, nearly 20% went as far as to say they would accept a salary decrease of $20,000 or more if necessary, possibly hindering their ability to buy a home or make other big purchases.

6. Employees want better benefits

Although 64% of workers indicated that a raise would improve their output, there were a litany of other incentives that would motivate them to work harder. Employees say they'd work harder for a promotion (40%), more schedule flexibility (37%), more paid time off (36%), and better health care and retirement benefits (33%). For businesses looking to avoid the quiet quitting trend, offering a more robust employee incentive program could go a long way.

7. Toxic work environment

Even if employees enjoy their day-to-day job functions, a toxic company culture will likely sour their happiness at work. Among survey respondents, 44% say workplace culture in the U.S. is getting worse.

A toxic workplace tends to start at the top, with 40% of employees saying their supervisors don't appreciate their efforts. What's more, nearly a third (29%) say they have not been rewarded for their extra efforts in the workplace.

Management's lack of support and encouragement can lead to unhappiness among workers, with almost half (45%) indicating they feel stressed or burnt out.

8. It's easier to quiet quit than resign

Despite 11 million unfulfilled jobs in the labor market, 82% of survey participants say they'd remain at a job they hated rather than resign. No matter how much workers hate their jobs, it's difficult to walk away without a better opportunity around the corner.

Workers have a "bird in the hand" mindset when it comes to their job. More than one-third of workers (38%) won't apply for a new job because there's no guarantee that their next position would be better than their current one. If that job requires workers to sell their home and move, it's a risk many employees won't accept.

Additionally, respondents say they avoid looking for alternate opportunities simply because they don't have the energy (23%) or aren't qualified for a better position (14%).

9. They don't see their job as part of their core identity

Sometimes a job is just a job. A majority of workers (55%) say they view their role simply as a way to pay the bills rather than a core part of their identity.

However, this "means to an end" mentality has a significant generational divide. Baby boomers, for instance, are far more likely (56%) to define themselves by their work than their Gen Z counterparts (33%).

10. Employees won't do additional work without additional pay

A staggering 4 million Americans have quit their jobs every month since July 2021, according to the latest available data from the Bureau of Labor Statistics. A high turnover rate can mean that many workers are left to manage a growing workload, usually without added resources or compensation.

Workers are beginning to put their well-being first, with 81% consciously choosing to set healthy boundaries at work — which may mean saying no to extra, unpaid labor. This ideology is especially true for young employees, who may have seen their parents work hard only to be treated as disposable assets during tough economic times.

The post Top 10 Reasons Workers are 'Quiet Quitting' Their Jobs in 2023 appeared first on Semya-Moya.

For the second year in a row, Detroit earned the title of America's best city for pizza, according to a new study that ranked pizza scenes in the 50 largest metro areas in the U.S.

The analysis comes from Semya-Moya, a company that regularly releases data-oriented rankings of America's biggest cities. For its 2023 pizza rankings, the site used a mix of metrics, including Google Trends data, Yelp ratings, pizza restaurants per capita, local pizza prices, and a survey of 1,000 Americans.

Top 10 Best Pizza Cities in America

1. Detroit, Michigan

2. Hartford, Connecticut

3. Boston, Massachusetts

4. Phoenix, Arizona

5. Philadelphia, Pennsylvania

6. San Diego, California

7. Denver, Colorado

8. Miami, Florida

9. Buffalo, New York

10. Pittsburgh, Pennsylvania

For those wondering how two revered pizza towns, Chicago and New York, got left out of the site's top 10, the authors explain that Chicago was hurt by its pizza-shop scarcity. The Windy City has only 4.9 shops per 100,000 people — about half the amount the average city in the study had (8.4 per 100,000 people).

New York, meanwhile, got dinged for having the most expensive pizza in the country. It will cost you $35.08 for a large pepperoni pie in NYC — 61% higher than average.

Here's how the top five cities earned their rankings.

Detroit, Michigan

The Motor City ranked as the best pizza city in the country for the second consecutive year largely because of its low prices, high restaurant ratings, and high online search activity.

The study analyzed pizza-related search terms and found Detroit has the highest Google Trends score (99 out of 100) of any city — 52% higher than the average score of 65. Additionally, the average price for a large cheese pizza in Detroit comes in 27% below the average cost found in other cities on the list.

A number of notable pizza chains had their start near Detroit, such as Domino's, Little Caesars, and Jet's Pizza. The Motor City's other claim to fame is its delicious Detroit-style pizza.

"(It uses) high-hydration dough with cheese right on top, all the way to the edges, creating a crispy, craveable crust," says Karen Dybis, metro Detroit reporter and author of the upcoming book, "Detroit Style Pizza: A Doughtown History."

"We love it locally, but we're all so proud to see the rest of the world not only recognize Detroit for its pizza prowess but also for its great chefs, pizza makers, and legendary restaurants like Buddy's, Loui's, Cloverleaf, and more," Dybis said.

Hartford, Connecticut

Coming in second on the list is Connecticut's capital city. Hartford features a variety of pizza options, with 15.5 pizza shops per 100,000 residents. Hartford residents seem to have a soft spot for pizza's Mediterranean roots, with the nation's highest Google Trends score for the terms "Neapolitan pizza" and "Greek pizza."

And for caffeine lovers, Hartford also ranked second on Clever's recently released list of America's best coffee cities. So whether you're looking for a pep in your step or pepperoni on your pie, Hartford is a great place to be.

Boston, Massachusetts

Boston ranked above average in every metric used in the study, including a Google Trends pizza score of 83 — 28% higher than the average city's score (65).

Beantown has become a hot spot for pizza lovers, with 12.3 pizza places per 100,000 people, and offers everything from old-school classics like Santarpio's Pizza to fancy wood-fired pies from places like the Chelsea neighborhood's Ciao! Pizza and Pasta.

Phoenix, Arizona

Phoenix climbed all the way to the No. 4 spot on this year's list after being ranked No. 42 last year. The jump stems from two new metrics being added to the study's methodology: the average Yelp ratings of local pizza joints and a pizza reputation survey.

Pizza restaurants in this desert oasis have an average Yelp rating of 4.2 stars, and when 1,000 Americans were surveyed, 17% of respondents named Phoenix as one of their top five pizza cities.

Arizona's capital city is also home to one of the foremost pizza makers in the U.S. and an influential figure in the artisanal pizza scene — Chris Bianco. The renowned James Beard Award-winning chef and restaurateur owns Pizzeria Bianco and several other must-try restaurants around town.

Philadelphia, Pennsylvania

Although the City of Brotherly Love may be best known for its cheesesteaks, its pizza acumen shouldn't be overlooked. Philly jumped into the top five this year due to its 11.5 pizza shops per 100,000 people, which is well above the study's average of 8.4 per 100,000.

Pepperoni pizza prices tend to be a bit higher here, but that's to be expected with so many top-tier options.

With both Philadelphia and Pittsburgh ranking in the top 10, the study crowned Pennsylvania the best state for pizza in 2023.

This article was produced by Semya-Moya and syndicated by Wealth of Geeks.

Related articles

The 10 Best (and Worst) Coffee Cities in America

There's no denying that Americans love their coffee. Even with the country's current inflation crisis impacting the cost of living, coffee consumption hit a two-decade high in 2022, according to the National Coffee Association. With all that coffee being guzzled up, what are the best and worst cities to fill your cup?

Retirees Start 2023 Down $21,000 in Savings, Poll Finds

A survey of retirees' finances shows the average retiree saw their savings shrink by about 10% from 2022 to 2023. Here's what we know.

How Online Influencers and Social Media Drive Gen Z Spending

Online influencers and social media platforms have an outsized effect on the spending decisions of Gen Z and millennial Americans. Here's why.

The post What’s the Best Pizza City in America? It’s Not New York City or Chicago appeared first on Semya-Moya.

There's no denying that Americans love their coffee. Even with the country's current inflation crisis impacting the cost of living, coffee consumption hit a two-decade high in 2022, according to the National Coffee Association. With all that coffee being guzzled up, what are the best and worst cities to fill your cup?

A new study from Semya-Moya on the Best Coffee Cities in America finds that Baltimore, Maryland is the top spot for coffee connoisseurs, while Louisville, Kentucky, is the worst. The U.S.'s top ten coffee cities not only have more affordable cups of joe on average but also tend to offer more options for java junkies. Cities rounding out the top spots include:

The Best

1. Baltimore, MD

2. Hartford, CT

3. Boston, MA

4. Providence, RI

5. Riverside, CA

6. Cincinnati, OH

7. Washington, DC

8. Philadelphia, PA

9. Pittsburg, PA

10. Oklahoma City, OK

Getting your daily caffeine fix could be challenging in some of the lowest-ranking cities. Not only will it cost you more for a cup, but there are also far fewer coffee shops per capita in these locations.

The Worst

1. Louisville, KY

2. Jacksonville, FL

3. Birmingham, AL

4. Memphis, TN

5. Virginia Beach, VA

6. Las Vegas, NV

7. San Antonio, TX

8. Richmond, VA

9. Phoenix, AZ

10. Charlotte, NC

Here's what makes the top 10 coffee cities stand out:

#1 Coffee City: Baltimore, MD

Good morning, Baltimore! Charm City's bean scene is amidst a full-fledged renaissance, with a wide array of independent coffee shops popping up post-pandemic. This is great news for coffee lovers looking for a new place to live. For those looking for a budget brew, Baltimore is one of the most affordable coffee cities on the list. A daily cup in Baltimore adds up to 1.4% of the average annual income there, which is 20% less than the national average (1.74%). With 26 coffee shops per 100,000 residents, Baltimoreans have a slew of cafes to choose from, creating a diverse coffee scene and America's best coffee city.

#2 Coffee City: Hartford, CT

Hartford's baseball team plays at Dunkin' Donuts Park, so it should be no surprise that people in this capital city love their coffee just as much as they love their donuts. The town has 17.7 donut shops per 100,000 residents — that's 3x as many donut shops as the average city! And with approximately 24 coffee shops per capita, Hartford holds its own amongst other larger coffee cities.

#3 Coffee City: Boston, MA

Bean Town serves as the perfect backdrop to many fantastic coffee options and is home to Ben Affleck's favorite coffee chain, Dunkin' Donuts. Boston has 3x the number of coffee shops per capita than any other city in the study, providing residents with everything from chic corner cafes to quick grab-and-go options. For New Englanders looking to get their daily java jolt, a daily cup in Boston adds up to just 1.34% of the average annual income, giving Boston residents a 23% advantage over the average city.

#4 Coffee City: Providence, RI

Providence may be located in the nation's smallest state, but Rhode Islanders have always had a big love for coffee! With "coffee milk" being the official state drink, it's no surprise the capital city takes the 4th spot on the list. Providence has nearly 2x the number of cafes than average, and locals will be happy to know that the average price for a cup of cappuccino is only $4.25, which is 11% less than other cities.

#5 Coffee City: Riverside, CA

On a strict budget but still, need your daily energy boost? Riverside is where it's at. The average cost for a cup of coffee in this southland city is only $3.88, making it the most affordable cup of java on the list. The area is home to the University of Riverside, making it the perfect spot for students and locals. And when the hunger sets in from all that studying, students will be glad to know that Riverside has 7.7 donut shops per capita, which is 40% higher than the national average.

#6 Coffee City: Cincinnati, OH

There's a good chance most people don't find Cincinnati synonymous with coffee. When Clever asked 1,000 people to list their top five coffee scenes around the country, The Queen City only made the list for 3% of respondents. Given that, it's surprising to learn that Cincy is home to 20% more coffee shops per capita than average and hosts the Midwest's premier annual coffee event. The Cincinnati Coffee Festival is a two-day extravaganza where thousands of attendees can sample artisanal roasts from around the country, including local favorites Deeper Roots Coffee and Seven Hills Coffee Roasters.

#7 Coffee City: Washington, DC

Washington, DC is well on its way to becoming the nation's capital of coffee, with more than two times as many coffee shops per capita than the average city in the study. With no shortage of monuments, museums, or mocha, Washington DC has been a city for coffee aficionados ever since John Adams denounced tea as "unpatriotic" way back in 1774. With such a vibrant coffee culture, it's no wonder 16.7% of Americans consider D.C. as one of the top five coffee scenes in the country.

#8 Coffee City: Philadelphia, PA

Over the last few years, the number of spots to enjoy a great cup of joe has exploded in Philadelphia. The City of Brotherly Love serves as headquarters to the national coffee chain La Colombe and features a thriving third-wave coffee culture, where artisanal and specialty brews reign supreme. Although Philly's average cappuccino price ($4.61) is closer to the national average ($4.76) than other cities on the list, Philadelphia still has locals spending only 1.6% of their annual income on their daily caffeine fix, giving Philadelphia an 8% advantage over other cities.

#9 Coffee City: Pittsburg, PA

Pittsburgh offers a variety of delicious coffee from all parts of the world, including traditional brews from Columbia and Italy, as well as more unexpected options from places like India, Vietnam, Cuba, and more. With all those options, it's no wonder Pittsburghers use Google to search coffee-related terms 22% more than the average American. With 39 coffee shops per 100,000 residents, Steel City is serving up some high-octane variety!

#10 Coffee City: Oklahoma City, OK

The folks in Oklahoma City know nothing goes better with a hot cup of joe than a box of perfectly glazed donuts. OKC has an impressive 59% more donut shops than the average city, making it ideal if you're craving a sugary treat with your morning cup. And if you've busted your budget on all those donuts, you'll be able to save some coin on your caffeine boost. OKC has an average price for a cup of cappuccino of $4.36, thirty cents lower than average.

This article was produced by Semya-Moya and syndicated by Wealth of Geeks.

The post The 10 Best (and Worst) Coffee Cities in America appeared first on Semya-Moya.