The wealth is in the house and cannot be spent. Paper-rich, cash-poor.
This is a want. Something a person cannot stop feeling. Discretionary in theory, relentless in practice — status and belonging live here. It is felt by the individual, continuously, and rates 3 out of 5 for the pressure it exerts.
It comes from Scarce resources meeting the demands of Midlife. The constants never change; the phase decides which of them presses hardest.
The market has answered it in 3 ways: Home equity loans and lines of credit, Mortgage refinancing and Home renovation
Its neighbourhood
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Relieved by
Every one of these is a business, an institution or a habit built on this single pressure.