The housing market is 67% back to “normal” according to Trulia’s Housing Barometer and the post-crisis recovery is on-track, according to the latest home price figures from Case-Shiller. But these gauges may be missing a “tiny” but growing slice of today’s housing market.

Related: Housing Future Looks Bright But is Dependent on the Job Market

For example, Ella Jenkins of Frazier Park, California, is a 23-year-old “homeowner.” She built her own house, and it has everything she needs. There’s just one catch: it’s only 130 square feet and it’s built on wheels (i.e. a trailer). The home cost her $16,000 to build, and she constructed it with her father in the driveway of her family’s home. It was a yearlong D-I-Y project, but a tiny home with no mortgage or rent means she has the economic freedom to pursue music and art. She won’t get forced into a career path she doesn’t want. (See the video above for a tour of Jenkins’ house.)

Jenkins is not alone. She represents a growing number of

As the government prepares for worker furloughs starting Tuesday if Congress doesn’t avert a shutdown and as Washington gets ready for a debt ceiling fight that could follow -- markets are a snooze.

Related: 5 Ways a Government Shutdown Would Affect You

The Dow (^DJI) has gained more than 3% this month, 10-year Treasury yields have fallen since the Fed’s “no taper” news after briefly hitting (gasp) 3% and gold hasn’t been doing much of late.

But Jim Grant, founder and editor of Grant’s Interest Rate Observer, reminds The Daily Ticker that unlike 2010, when the memory of 2008 was fresh in investors’ minds and we had a “bull market in fear,” we are now in a “bear market in fear.”

He says experts can read this in the depths of the options markets, where people are no longer buying derivatives to protect themselves agains 'tail risks, but are "getting in the swim of things going up."

So this moment may be a fairly good one in which to begin fretting (though he advises against being a