I know households who are poor and don't have financial education. They own a fully paid-off house, but can't afford to switch from space heaters to heat pump (

I know households who are poor and don't have financial education. They own a fully paid-off house, but can't afford to switch from space heaters to heat pump (or gas or anything more efficient). One of them was desperately trying to sell this winter because of the sheer cost of keeping warm. Luckily she has the home equity to finance and install mini splits. I helped her work through a home equity loan with the local bank. Being poor is expensive. The people who need efficient houses the most often don't