The cost of housing in Tampa Bay has many young professionals facing tough choices when it comes to putting down roots and purchasing property. Financial experts say with those 3 percent mortgage options well behind us, they’re seeing Gen Z and Millennials change their investment patterns. "Folks that were able to capitalize on that market, they were really lucky. It's possible we may not see that over our lifetime again,” explains Randy Deitke, CFS, CRPC for Edelman Financial Engines. The longevity in a city also looks different. Deitke says, "for folks who are climbing the corporate ladder, no question, you might have to move two, three, four times in your career to get to that senior or executive level."