Many factors push forward the move away from ownership. Marcus Hiles Fort Worth developer sees generational, large-scale shifts as important reasons, including the skyrocketing cost of college and its subsequent impact on personal debt. Millennials frequently must allocate 10 percent of their income towards student loans. Other age groups are also driving up numbers: as generation X-ers remain renters longer, pushing up rates for 30–49 year olds, baby boomers are also more inclined to rent at a higher rate than others of their same age previously. Another cause is the transformation of traditional lifestyles. Nearly half of all baby boomers were married before age 32 and ready to start a family, while barely a quarter of people in their 20s and 30s have wed. Without the attachment of marriage, the increased mobility means that the younger generation is farther from starting a family, and less inclined to pursue home ownership.