42% of households in Hawaii are renters (fourth highest rate in the country) and 54% of these households pay 50% or more of their monthly income for housing (the second highest rate in the country). 63% of households lack emergency savings to deal with an unexpected $500 expense. On any given night, 5,000 people are homeless on Oahu. While we have made progress in increasing available emergency shelter, more than 1,900 remain unsheltered.  More than half of the homeless population on Oahu is families with children under the age of 12 years old. These are the economic homeless – driven to the shelters and beaches by the recession. Many work but have to choose between feeding their family or putting a roof over their heads.