A system of building concrete homes and apartment buildings. The system creates a structure that is well insulated and that is very practical and economical to build. The system uses standard components such as wall ties, concrete forms, rigid foam insulation, and concrete, all of which are readily available in the market today. The system creates a building that is insulated and thermally broken at its structural connections such that use in temperate and colder climates is possible. Presently concrete construction finds only limited use for the construction of single family and multi-family housing. The system is economical to construct when compared to wood frame housing.