Kit Pulliam

Kit Pulliam connects housing, banking and markets, writing about how property, credit and cash flow shape household finances rather than treating real estate as a standalone beat. Their work combines banking expertise with clear, service-style explanations, using stories about homes, insurance and investing to show what policy shifts and market moves mean for ordinary savers and homeowners.

Factory-built homes, zoning and housing supply

Pulliam’s coverage of manufactured and modular housing focuses on how building methods and local regulations affect the U.S. housing shortage. In a recent piece on factory-built homes, they traced how annual shipments fell from a peak of more than 500,000 units in the 1970s to roughly 100,000 by 2025, tying that decline directly to zoning rules that restrict where these homes can go.

The article explains the difference between manufactured housing built entirely in factories and modular homes finished on-site, stressing that many are designed to resemble traditional stick-built houses while still facing regulatory barriers. Their reporting on researchers warning the U.S. is heading toward building millions more homes than demand supports extends that lens, highlighting how mismatches between construction, zoning and household formation can create winners and losers across owners, renters and builders.

Home insurance, claims disputes and homeowner risk

Pulliam often uses individual homeowner stories to illustrate how insurance and legal structures can amplify financial strain. In a story about Tyler Perry paying an $18,000 lien for an 81-year-old woman whose burst pipe left her displaced after her insurer refused to cover repairs, they walk through each step from water damage to claim denial to the lien placed by the restoration company. The piece draws on data showing that a large share of home insurance claims are closed without payment, then turns that statistic into practical guidance on documenting damage, understanding coverage and appealing denials.

That combination of human narrative, industry figures and concrete steps is a pattern in their real estate work, which treats housing as both shelter and a leveraged financial asset vulnerable to contract fine print.

Home equity, real estate and portfolio strategy

Another strand of Pulliam’s coverage looks at property as part of a broader balance sheet, not just a place to live.

In market-focused pieces on topics like the S&P 500’s extended run and concerns about “froth,” they dedicate sections to how real estate can diversify a portfolio because property values often move differently than stocks and can hedge inflation through rising prices and rents. Their feature on MrBeast’s claim to have “negative money” despite a multibillion-dollar net worth uses that high-profile example to explain why wealth tied up in illiquid assets, including real estate, can leave even wealthy people cash-poor.

The same article highlights estimates of roughly $11 trillion in tappable home equity and outlines how products like home equity lines of credit let owners access that wealth without selling other investments. Across these stories, Pulliam treats home equity as both a risk and an opportunity - something that can cushion volatility but also tempt over-borrowing if not understood as part of an overall financial plan.

Investing behavior, banking products and financial narratives

Pulliam writes widely on investor behavior and financial products, extending their banking background into coverage of markets and personal finance.

Articles on Gen Z investors show younger traders allocating a large share of their portfolios to crypto while only a small minority of day traders actually make money, framing those numbers as a caution about concentration and short-term speculation. They also report on stock-picking and market commentary from prominent figures - from Jim Cramer’s list of “indispensable” memory-chip stocks in the AI boom to Ray Dalio’s early firing before building a major hedge fund - using these personalities to anchor lessons about risk, resilience and sector trends. Outside the masthead, Pulliam works as a freelance financial writer and editor for multiple outlets, including a personal finance site where they cover topics such as Medicare coverage changes, and they previously reported on banks and banking products at a major business news publication.

Their professional profile describes them as a banking expert specializing in certificates of deposit, savings accounts and checking accounts, with several years’ experience reporting, editing and fact-checking personal finance stories. Taken together, their body of work shows a consistent focus on how products, policies and market narratives translate into real-world outcomes for people managing cash, debt and assets.