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“I wish they’d taught me that in school.”

It’s a line Realtor Kella McCaskill has heard a lot from people in her community when talking about housing.

From mortgage agreements to down-payment assistance, to rent-to-buy options and savings plans, McCaskill said many people, especially those without a parent to turn to as example, don’t start thinking about real estate and financial literacy until well into adulthood. In a housing market like Tampa Bay’s, that’s years too late.