Episode Transcript
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Welcome to WAHNcast, the official podcast of the Women's Affordable Housing Network.
This is our space to connect, get real, and talk about what's really happening in housing.
From bold leadership to resident stories that ground us in purpose.
We're here to amplify voices, strengthen each other, and share the kind of conversations you'd have with a friend who gets it.
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Because when our voices are amplified, our communities grow stronger, and so do we.
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Good morning.
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My name is Lakeysha Sowunmi and I am the founding president of the San Diego Women's Affordable Housing Network.
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And today it is my pleasure to welcome a peer, a colleague, a friend, Ms.
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Simone Ruff.
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Welcome to this show, Simone.
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Oh, thanks so much for having me.
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Lakeysha.
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It's my pleasure to be here.
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I actually couldn't wait to just sit down and talk to you because there are so many things going on.
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You're well connected in this affordable housing industry and beyond, and I just love to sit down and listen to you speak about what's going on.
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What you foresee in the future for affordable housing and you are the permanent supportive housing extraordinaire, in my opinion.
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And so I'm so happy to be here with you.
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The day before the 4th of July.
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So just a little bit about Simone Ruff She is the director at Corporation for Supportive Housing here in San Diego.
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She has diverse.
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Experience in housing community and the services field with program expertise in evaluation, organizational development, and supportive housing for diverse populations.
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As the San Diego Program director, Ms.
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Ruff provides training, technical support and advisement to numerous supportive housing developers, providers, and public agencies.
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Prior to her relocation to San Diego, Ms.
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Ruff Worked at Neighborhood Link, senior Link, a multi-service agency in Toronto, Canada.
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In addition, Ms.
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Ruff was the community lead researcher.
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A University of Toronto, Ryerson University Initiative investigating the effectiveness of supportive housing, and she holds a master's degree from York University.
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Again, welcome to this show, Simone.
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Can you talk a little bit about the work that you currently do at CSH? Absolutely.
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Yeah.
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Thank, thanks so much for that warm welcome.
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So I just wanted to share a little bit about the history of CSH and and then also supportive housing at it at its heart.
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And so CSH was founded in 1991.
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And it really came about when our, social Entrepr social entrepreneur in New York.
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Julie Sandor was working with two Franciscan priests in New York City and they were putting together this model of, housing that was affordable with wraparound services.
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And that when you had services that really are client centered, that met people's needs folks.
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And so that was really at the very heart of the beginning of CSH back in 1991.
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And so with her leadership and vision she, founded CSH there was the Pew Charitable Trust.
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Robert Wood Johnson Foundation and Ford Foundation came together to to support the, this new organization.
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And, here we are more than 30 years later really helping communities to create quality supportive housing.
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A lot of the work that we do is focused on what does it mean to have quality supportive housing.
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And, we're active across.
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The country.
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Sometimes we'll do consulting and technical assistance in other parts of the world.
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But we're really looking at, how do you provide that high quality, deeply affordable housing paired with services to create a platform for people to exit homelessness.
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So in my work in San Diego, I really have the privilege and in Orange County the privilege of working with county partners county behavioral health services, county housing and community development services.
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And contracted providers, county providers.
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In thinking about, how can we really do our best work in addressing homelessness for people with disabling health conditions, serious mental illness substance abuse issues, other types of chronic health health concerns.
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And so in, in that I'm working with affordable housing providers.
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Like your organization, community Housing works and others.
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As well as some shared housing providers.
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Shared housing's a really important option for folks, especially folks who wanna live in that more shared setting.
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And so these are really recognizing that when you're.
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Working with folks who have maybe significant chronic, chronic ongoing health conditions and a need for affordable housing, that there's not one, there's not like one model that's gonna fit for everybody.
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So really having that choice and that attention to quality.
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Thank you so much, Simone.
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When I think of CSH, I think of the quote that says it takes a village and the work that you all are doing, on a national level is so impressive.
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It's so needed.
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I do see.
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CSH being a connector as well, just really bringing all of us together in this housing ecosystem.
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So your work is important, your work is impressive, and I really look forward to what the future is going to also hold for this type of work.
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Now, as we talk about.
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Health and housing.
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As we talk about supportive housing, I really want to frame this discussion on, your thoughts and your ideals around what it looks like to really create this space where supportive housing.
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How it differs from other affordable housing models.
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So let's go ahead and jump into the questions.
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So for those that may be new to this conversation I just wanna open it up so that they'll understand at a very basic level.
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By how we define supportive housing, how you define supportive housing.
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Absolutely.
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Yep.
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No, it's important because supportive housing, brings affordable housing at its heart, the housing has to be affordable intentionally, or for folks the income levels that they're at.
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And so one, one thing that distinguishes supportive from affordable housing is the affordability is often lower than you would see in across affordable housing models where you would have a range of 30 to 50% area median income.
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Maybe 30 to 60% area meeting income and only a few at the lowest levels for supportive housing.
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We're really planning for people who are typically their income would be social security income.
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In San Diego, social security income is about 18% area median income.
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Nowhere near the 30% a MI.
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And so knowing that you're providing housing for folks who are at that income level, you really have to think about your planning.
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To make sure that housing is affordable and sustainable for folks over the long term.
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So more deep affordability restrictions on the units that are dedicated to folks who are moving into the supportive housing units.
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Oftentimes there's also rental subsidies.
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So project-based section eight is very helpful or capitalized operating subsidy reserve.
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So there's some additional subsidies and some deeper affordability.
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And the supportive housing units and then of course the services.
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For folks who have kind of complex health needs, you really need that affordability of the housing plus services that are client centered and meet people's needs intentionally paired together.
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For it to work for people to be able to exit homelessness move into stable housing and and retain their housing, stay stably housed and thrive.
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Start, really having time and energy to be working on their goals.
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Whereas when you're just surviving day to day trying to, find a restroom.
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Figure out what food's available to you and then where you can rest because when you're homeless, it's really hard to find a spot to be able to sleep, right? Really to be able to sleep.
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So when you're moving into housing, you're able to have that platform to work on your own goals and think about that thriving framework.
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One of the other elements is just how people work together.
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So you said, it takes the village.
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Absolutely.
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So there's this intentional approach where property management training for property management is really important in support of housing.
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There's growing body of the curriculum out there.
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Trauma-informed property management programs.
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What does it mean to offer property management if you're using a harm reduction framework? Really thinking about the supports for property managers who are working in supportive housing and how they communicate and collaborate with the service providers.
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So there's a slightly there's this additional element in the property management role of coordinating with the service providers.
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Same with the service providers.
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They're providing services to tenants and also really need to collaborate with property management.
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So those are some of the things I, that really stand out as defining supportive housing as something that builds on affordable housing.
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It's like affordable housing and that, the services, the deeper affordability and then overlaying it is this.
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Intention and discipline of collaboration.
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With the goal, everyone has the same goal, the same north star of supporting people to retain their housing.
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Yes.
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And my passion is resident services.
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So as you started talking about the wraparound services and why that's important you have your Amen Corner over here because we could identify folks that need housing welcome them to our community, but then what? What happens next? Those wraparound services are so important to the work that we do.
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Residents feel stable.
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They have this sense of community as well as security.
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A hundred percent.
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Yes.
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And sorry to interrupt Lakeysha, but that's what we, when people move in, is like really hungry for the connection.
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Yeah.
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And, all kinds of activities that really build that sense of community in a property.
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So how do people feel welcome and seen and valued, within the tenant community, within the broader community, and also live, living in their new home.
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Absolutely.
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That's very critical to the success of the individuals that we're serving.
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Yeah.
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Now, as a follow up question to that my next question is, why is housing considered a health intervention in today's policy and funding landscape? Lakeysha, this is right at the heart of why I'm doing this work.
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You mentioned, yeah, my background and i've done a fair amount of work in kind of social determinants of health.
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Housing is healthcare.
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You've probably heard that.
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Instead other listeners I've heard folks really talking about housing as healthcare because you really need that platform, that foundation to be able to engage in other things.
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If it's something that you're looking to learn income, pursuing income, either benefits or earned income housing is that platform that, that you really need to be able to do those other things.
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And that also includes connecting with healthcare.
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So to and, as a system both personally and as a system, it really is in everyone's best interest to pursue pr, pursue primary or like preventative care and not.
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Have to be in this, what we call institutional circuit when you're homeless with a chronic health condition where you might be, accessing a lot of emergency services which can be really traumatic.
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For folks because you're connecting with a health system in a crisis.
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And when you're in housing, you're really able, to have that stability.
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There are services that are offered that, enable you to be able to like, make appointments, somebody to sit down and go through medication that you now had.
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Your, have a refrigerator that you can keep your medication in.
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It's not being stolen, right? There's a lot of theft that happens for folks experiencing homelessness and.
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And so there's, there's so many reasons why housing is healthcare.
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And at the heart of it, when you're thinking about what does it mean to be healthy? Health isn't just the absence of disease.
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Health has this broader definition that means you're, engaged in community that you know you're pursuing.
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Goals related to income and employment or volunteering or school.
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Things that, really fill your soul and and that, you have access to food.
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That's another thing that happens a lot in housing.
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There's a lot of intentional planning around food access because people are at such low incomes.
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So diets really important.
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All of those things happen from that platform of housing.
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Yes.
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Now let's take that a little further.
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So you've broken down the integration of health and housing.
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Now, one hot topic in affordable housing it doesn't matter if you're a nonprofit developer or a for-profit developer.
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Everybody is looking at new policies that are coming down the pipe.
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With the new administration there are different shifts that we're seeing.
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As developers we're always looking for sustainable sources of funding.
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So can we just transition a little bit and talk about some of the ways that Medicaid and MCOs are really supporting developers in the way that we deliver our services and how those services are being funded.
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So what types of services are typically covered? As we look at the healthcare systems Yep, yep.
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No such a timely question and things are very much in flux.
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However this concept of yeah.
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Medicaid, Medicare really in identifying housing related services as being connected to health.
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And it really comes back to this idea of how expensive it is for, emergency institutional care versus interventions that can happen in the community, particularly for people who are housed that, that divert folks from that more expensive institutional care people who are hospitalized, emergency, emergency care, inpatient stay, and.
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So there is that direct connection, over and over again in, in all kinds of studies that really show that you can divert some of that emergency care, that very high level intensity care if you invest in the things that keep people healthy.
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So again, back to that you broader definition of health that does very much.
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Play out when you see how how you know, large numbers of people access the healthcare system if you're investing in community supports related to housing.
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So there's, different states are approaching this in different ways, so there's different options in different states.
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But some of the things some of the things that are options.
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Include personal care, in-home support services so that person that's visiting to help you with activities of daily living things that really help you sustain yourself in housing.
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There's also services related to tenancy in California.
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We call it housing, tenancy and sustaining services.
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Which, the concept is supports that assist you maintaining your housing.
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So housing tenancy, sustaining services helping to make sure you're paying your rent on time.
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Supports that.
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May help you through the annual recertification process, which, can be a little technical for folks.
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They might need a little extra support resources to help prevent eviction again.
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The data really shows that if you can maintain your housing with some supports, you're just saving us so much.
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As opposed to if someone loses their housing, enters homelessness, and then has to like reenter, connecting with.
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With housing again.
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And so we do see.
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This investment.
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So first from Medicaid.
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So from CMS nationally, different states have different agreements.
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And so then once a state has those either supports or benefits related to housing community support services related to housing.
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Then the Managed Care plans, the managed care organizations, then are the ones that the members would be accessing those services through either through a contracted provider.
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Sometimes the Managed Care Organization staff will provide some of the services.
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It really depends on how it's set up.
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The idea really is at a population level, like at a state level, to be able to divert folks from those higher more expensive services that don't, wouldn't need to be in place if the the investments are made when folks are housed and in the community in this more kind of planned pattern of care.
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Yes.
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Yes.
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Now Simone, I heard you speak on a few elements of Cal aim.
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But can you just give us a quick summary of how Cal AIM has really become a game changer for providers and developers? Absolutely.
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Yeah.
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No, it's really exciting.
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And again, we recognize we're in a moment of change.
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So this is at this moment July, 2025 where it's Cal AIM is in California, so it's the California advancing and innovating in Cal aim.
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And, people talk about it as medi Medi-Cal transformation.
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And Medi-Cal is California's Medicaid program.
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And Cal AIM really provides a menu of services for people who are enrolled in the managed care plan to provide community supports related to housing.
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And some of them are one time so assistance with deposits or things that you need when you're moving into housing.
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Maybe you have, deposit that needs to be paid.
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And there's no other source utility bill that you may have, from years past that needs to be cleared before you can set up utilities again.
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So housing deposits are super helpful.
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It's like a, one time thing.
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There's some things that are ongoing.
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So the housing tenancy and sustaining services for the folks who are enrolled can.
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Receive those supports and the provider.
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So that could be the resident service provider of the affordable housing entity, or it could be another provider.
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So if it's the resident service provider or support services provider of the affordable housing organization, then that revenue would flow through your budget.
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Otherwise, if it's a third party provider, then it's an in-kind support that's being provided to your residents and you're experiencing the benefit of that because folks are receiving services and staying, staying housed.
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So that housing tenancy and sustaining services is, ongoing subject to reauthorizations.
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And and depends which managed care plan you're in, how frequent they have to happen.
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But there is.
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You know this for the first time through Medi-Cal, the ability to provide services that are reimbursable through the managed care plan.
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There's also this option called Day Habilitation Services.
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Which, on its surface it doesn't really sound like exactly what it is, but it's, for people who are experiencing homelessness receiving mentoring by a trained care caregiver.
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Care provider and that can happen individually or in group setting.
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So recertifications is a big piece of, annual processes in affordable housing.
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For example it could be like a, a group training for folks who are preparing for their annual inspection.
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It could be, could be like a dialectical behavioral therapy group.
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So that that's another option for services that's ongoing.
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There's a whole range of other community supports and housing.
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People often in California talk about the housing trio.
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And the housing trio is the housing deposits that I had talked about.
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And then housing transition navigation services, which again is typically like a one-time thing when people are connected to housing.
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It's the, those supports from being connected to housing, to moving into housing.
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And then after that the tenant might receive the housing tenancy and sustaining services.
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But in the housing trio the two of them are not like ongoing.
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So you, and I know we've talked about this, Lakeysha is what is that kind of ongoing support? Because we're really recognizing supportive housing is the housing and the services people need both ongoing in order to maintain their housing.
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Yes.
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And as I think about the climate that we are in right now with new policies new legislation, some folks may view this time period that we're in as adversity, but I really think it's opportunity.
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For programs like Cal Aim for us as providers, as developers, to really start thinking out the box I think we are all pivoting in a innovative way and really being creative with these funding sources that we keep talking about now.
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One of the new.
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New trends is housing providers really working closely with he healthcare entities as you've been speaking on when you think about those partnerships, there are definitely non-traditional.
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But do you think that there are a lot of barriers that still exist with these partnerships? And if there are.
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Can you speak to how we could overcome those barriers? Oh, what a great question.
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Yep.
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I think, you started off talking about adversity and, the framework, I think that's really important to keep in mind is, how do we think about doing our best work in this moment? And that's particularly true when things are hard and wonder and really identifying, what's the goal? What is it that's most important to do? And then identifying what are the resources? What are the capacities? Who are the partners that, that are working in this space? And, maybe we can create something new together.
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And that's really happened with Cal Aim.
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And the community supports.
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With Cal aim, I should have also talked about enhanced care management, which is a benefit that's also ongoing.
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And that is an another service that really can support people and is focused on identifying what their needs are and how they can get their needs met.
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And for Cal Aim.
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There, there is an organizational shift that needs to happen if you're not previously a biller to Medi-Cal or, do not have contracts with the Managed Care organization.
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And just as if, you were entering into a new line of business, there's that investment on the back end of structures, processes, expertise that you need in order to engage in, in this new new way of working.
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So what we've seen is, there's a technology component.
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There's the whole kind of billing system and there are organizations that, that's their specialty.
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So we've seen some groups engage with a third party biller who really looks at how the notes are written.
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Are they meeting the managed care plans criteria for what needs to be in those notes in order to justify the billing.
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There's service patterns that have to be in place in order to get reimbursement.
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For example in some managed care plans for housing, tenancy and sustaining services, there needs to be four contacts in the month, of a certain amount of minutes.
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And that needs to be documented appropriately in order to get reimbursed.
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So if, you saw a tenant three times in the month, you don't get any reimbursement.
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So how do you build your staffing pattern? How do you think about offering your services in a way that really meets those needs? So just to try to give you some examples.
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I don't know that there are barriers.
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It's learning a new language.
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You also at the beginning so nicely described the.
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The partnership and the collaboration that needs to happen in supportive housing.
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And I really think about it as being like multilingual.
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You really have to speak like, housing, affordable housing talk, all of the acronyms that come with that.
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There's, the services planning and then there's, the health plans.
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There's.
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A whole range of sectors that do have their own language and set of acronyms.
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And being multilingual is important.
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So this is gonna be another language that an organization, if you're gonna do this work, would need to learn.
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And not to underestimate, like there does need to be an investment and it's gonna take a bit of time to work through what systems are gonna work for your organization, and then you absolutely also need to engage with managed care plans in a way that works for them.
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And and so really my I think my takeaway in all of this is identifying partners in the community who've walked this road or walked a road that's similar and and really leaning into that community who, who have a shared goal in common.
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Yes, I 100% agree with that because we can't talk about the present without talking about the future.
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I think you j you actually just answered my next question.
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So I will go on to the as we are talking about sustainability in scaling.
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What role do local governments.
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In your eyes, what role do they play in really scaling these health and housing initiatives? Yes.
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Yeah, we all have our role, right? So I, on the affordable housing side, the support services side providing the housing, providing the services, figuring out what tools are out there, and then, learning how to use those tools, some of which are really technical.
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Similarly, on the government side, also on the managed care plan side.
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Really.
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Creating spaces to build capacity.
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We've seen on the managed care plan side, there's and statewide, there's been multiple rounds of funding opportunities to be able to build capacity and really think about systems.
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Government and managed care plans have been historically investing in this because it is such a big change.
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People really need, to to invest in in the expertise.
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And then also like the technical systems that need to be in place.
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I'm talking about like software, right? Actual software databases.
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To be able, to, and then integration of databases.
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One thing we haven't touched on is that, there's a big push to look at the homeless management information systems and trying to integrate that with managed care plans and the service provider community connecting to housing as well.
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And so there have been both funding opportunities and and I think those it's important that those continue.
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As well as collaborative tables.
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Count in counties, there are a whole variety of tables that are convening.
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There's technical as they're supported through technical assistance that's provided through the state of California.
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So that.
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So that people can learn each other's languages and how to work together.
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And the county is a really big part of this as well.
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We, work most closely with the county behavioral health services and and there, there's other partners, the, the hospital sector is at the table as well as long-term care facilities.
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Really understanding each other's systems.
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How do people flow from one type of care to another with this emphasis on trying to support people in the community and diverting people from higher levels of care.
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That's where we really see there's been strong leadership both locally at the county level and at the state level.
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And that's really important to continue.
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And for folks who are like new to this there are tables in your community where those conversations are happening.
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And so plugging into those groups I think would be important.
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Yes, Simone, every time I talk to you, I learn so much.
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Even today, I'm over here being inspired, as usual, and just taking so many notes.
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I think today's conversation is just the beginning.
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I could see us really continuing this dialogue.
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Again, for the folks that are new in this.
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Space for folks that want to be involved really wanting to hear more.
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So I will definitely be reaching back out because I think today we scratched the surface and there's so much more to come.
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And as we wrap up, I wanted to know if there was anything else that you would like to share with the audience as just like a key takeaway.
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Thanks, Lakeysha.
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I just really enjoyed this conversation and the time's gone really fast.
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People are, really passionate about this work, so I think it's really, leaning into your passion and connecting with people who are doing similar work, building that.
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Professional network.
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But also conversations like these help me refill my bucket.
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Yeah.
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So being intentional about that.
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I think we all work so hard and we invest all of ourselves in the work that we do.
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And and so one thing.
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In our team that we really try to talk about is making sure that we're also paying attention to what we need to be able to show up and do the work every day.
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And so making sure you know that there's opportunities for self-care also for connecting with folks.
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So that you have that support, whatever that is for you.
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Because when you do those things then I, I think, burnout is real in, in this work.
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And so we just really wanna make sure that it's part of the rhythm of the work, it's intentional and that it's not something that happens.
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If there's time to to really be able to say, yep, I have a plan for how I look after myself so I can show up and do this work.
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And also build community in, in a way that's supportive.
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So you've got that strength of leaning in to a supportive community because we all, we all definitely need that in our different roles.
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So I think that would be my takeaway.
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Lakeysha is just really making sure, especially doing the work for a long period of time that intentionality of we, we can't do this work if we're not if we're not able to bring our whole selves.
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And yeah, bringing our whole selves is a lot.
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It's a lot.
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Yep.
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Yes, I agree.
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Now, how can folks follow up with you if they have additional questions? Oh, yeah.
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Feel free to share my contact information.
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Can we just put that in the Yes.
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In the link.
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Okay.
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Yep.
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So yeah, you can feel free to share my email address, which is simone dot S-I-M-O-N-N-E dot r ru f@bsh.org.
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Thank you so much, Simone.
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Thank you for your time, your talent, your energy, and we will definitely be in touch.
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Thanks so much Lakeysha.
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Bye.
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Such a pleasure.
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Thanks for being here with us on W Cast, the official podcast of the Women's Affordable Housing Network.
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Every guest, every story, every listen, helps us keep this space real rooted and resonant, and we're so glad you're a part of it.
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Big thanks to our guests for sharing their time and knowledge with us.
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I.