A clown world.

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[–]Shinjin_Nana 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (3 children)

But it's just an asset that can as easily be devalued as it can be milked. It's not actual liquid wealth until it's sold.

Well, if you don't believe in generational wealth, or think that valuing education and getting a kid into a good school is just for status, then I don't know why we're bothering to discuss this at all.

I work as a self-employed freelance artist and know that being poor (18-20k annual gross) and happy (and loaded with student loans lulz) is a thing, it's my lived reality. BUT I also understand that it's a privilege of the family and culture that raised me and I rely on peace in the neighborhood that I choose to inhabit.

I can be poor and happy in a low crime area because others before me have made it possible.

You're trying to skip that intermediary step that stabilizes the home environment and I think at this point you're mixing generalities and race/class disparities with individual goals and pursuits and it is not adding to the discussion.

I have nothing more to say on this.

[–]WrongToy 2 insightful - 1 fun2 insightful - 0 fun3 insightful - 1 fun -  (2 children)

You stipulated that you're living in the Sunset. You can't live there on $20K unless you're sitting on a pile of money along with your house, or are using your house, unless you are a descendant using your parents' house, or a friend of such a descendant.

I'm guessing you are among the latter. That really doesn't make you oppressed like people in, say, Sunnydale. Or like those who used to live in Diamond and then exited when the public housing thing ended. You probably think they're losers who are better off in Richmond (for you) and if they'd only had asshole parents they'd be better people. I can't even with that.

I'm dogging you because look, I know. Anyone who has shelter let alone home ownership is in no way poor. If you are you aren't worried about conserving your assets. You are worried about paying your pg&e bill.

[–]Shinjin_Nana 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (1 child)

I rent an 11X15 foot rent controlled room in a home I don't own. I literally said 'my landlord' in a previous reply so I have no idea how you get that I'm a home owner other than lack of reading comprehension. I moved to San Francisco in 2008 to go back to grad school via loans when I lost my job in the housing crisis.

My life is simple and I am content with it, and I live in the Sunset on 20K a year, so I know it's possible.

I am not saying I'm oppressed. I was talking about minorities being successful, so I don't know where you're getting that from, either. But thanks for playing.

[–]WrongToy 2 insightful - 1 fun2 insightful - 0 fun3 insightful - 1 fun -  (0 children)

I'll speculate that you have that room, possibly, because you have "cultural" ties with the landlord. Good luck with blacks and browns in the Sunset. Notice they're not around you?

If you have loans to a private school it is typical for parents to cosign, too.