Chicago — On a recent Saturday afternoon in downtown Chicago, Tara Latta’s 36th-floor apartment with stunning river views is a complete mess.

I’m watching her trying to jam the contents of a storage unit into her new one-bedroom, and it doesn’t appear to be going well. Latta’s kitchen table is teeming with CVS receipts, unused thank-you notes, catalogues, utility bills and to-do lists. U-Haul boxes are stacked halfway to the ceiling. The counters are overflowing with tea cups, mixing bowls and water bottles...

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