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She also has no mortgage payment and chooses to live in an "intentional community," a partly shared space where $775 a month covers everything from utilities to meals.
"In one fell swoop, I pay for the roof over my head, the food in my stomach and the lights to read by. That's a big advantage," says Rainsberger, whose high-rise living space is part of the residential program at the Keystone Ecological Urban Center in Chicago's Uptown neighbourhood.
"It's like a college dormitory, but with better conversation," she often jokes.