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In today’s America, almost 50 percent of adults in the United States are single, and more than a quarter of “households” are just an individual living alone. An increasing amount of social interaction happens online, rather than face-to-face. Living alone may allow us to focus on our own goals without distraction, but it robs us of the type of communication that only happens when people are relaxed and at home together. The spaces between work and life — which, in decades past, would have been filled with conversations over the dinner table — are collapsing. Coliving hacks this trend, infusing the blurring boundaries of work and leisure with new opportunities for inspiration, learning, and social innovation. Here, “home” is reinvented with a new purpose. It’s a community, an ethos, a series of opportunities for collaboration. And while most young professionals are flocking to urban centers like San Francisco to live in modest apartments, some are building a new American dream in once empty suburban McMansions and luxury downtown digs. In this new scheme, your network isn’t just your Facebook friends or business contacts; It includes your friends, influencers, ad hoc family, and your shared home.

The coliving movement may freely use terms like “commune” and “cooperative”, but this ain’t your grandma’s commune. Contemporary coliving builds on communal living practices, embracing a networked tech, business and science-fueled culture built upon innovation and realizing a better world through collaborative design.

Coliving has clear similarities to traditional communes and co-ops. Langton Labs, in particular, bears a strong resemblance to 20th-century cooperative living. It has a flat organizational structure, and most decisions are made on a group email list. “In building a community, we didn't pick an existing model and emulate it,” says Todd Huffman. “We designed everything from the ground up, and in doing so, have ended up evolving in parallel and developing mechanisms that are very similar to cooperatives or communes.” Unlike many prior communal living experiments, coliving spaces are externally oriented. They’re generally located in urban areas, often open to the public on a regular basis, and easy to move in and out of. The ideas brewing behind these doors are quickly realized and implemented in the world outside. Much of this is related to the 21st-century vision of sharing, which allows for a high level of individualism and experimentation. Previous community models were focused on equality, with participants renouncing privileges to adopt a group-oriented mentality. In today’s open-source world, collaboration relies on contributions from a diverse pool of individuals, and welcomes exceptionality.

The Klontz study asked 422 people about 72 money-related beliefs and then analyzed correlations among the answers. This produced four broad categories that Mr. Klontz called “money scripts”: money avoidance, money worship, money status and money vigilance. How does he define them?

Those who are in the money avoidance camp share beliefs that make them distance themselves from money. Mr. Klontz said this group may be worried about abusing credit cards. They may believe that they do not deserve to have money and may sabotage their own financial well-being. People in this group tend to have low incomes and net worth. They also tend to be younger. People who fall into the money worship camp would seem to be the opposite, but their behaviors are equally destructive. They believe that an increase in income or a windfall will make everything better and love the status derived from the things that money can buy. This belief also lands people in debt because they use whatever credit they have to buy things that will impress others.

“They believe money will solve all of your problems,” Mr. Klontz said. “This is the money belief pattern that afflicts the majority of Americans.” Anxiety about money status occurs when people’s self-worth is linked to their net worth. These people often take bigger financial risks because they want to have the stories of big gains to impress their friends. (Don’t expect them to tell you when those big bets do not pay off.) The only affliction that did not have an overwhelmingly negative impact on people’s financial future was money vigilance. People with this disorder do not like to share information about their income or wealth, but they also do not spend foolishly. Still, excessive wariness about spending can keep these people from enjoying the benefits of what money can buy. On the other hand, while they did not necessarily have higher incomes, they paid off their credit card bills each month. “Maybe some anxiety and vigilance around money is good for your bottom line,” Mr. Klontz said. Not surprisingly, the four money scripts illustrate problems that have less to do with money than with what money represents. But what may be surprising is that the study found few links between who held what belief and their family background, race, gender, education level or income.