Causes of homelessness are multiple and complex. Public focus often centers on personal problems, which can be contributing factors but do not alone cause homelessness. Our flawed economic and political systems fail to pro- mote justice and equality. Institutionalized racism, sexism, and other forms of discrimination create barriers to economic advancement. This fact sheet illustrates the tangible results of these larger issues, which include a dire shortage of affordable housing and healthcare, supportive services, and living-wage jobs.