Why does everyone have more money than we do?

Posted on September 23, 2022 by Belle of the Library

Just recently, Jake and I found the nicest public lake nearby. Living on the outskirts of the county, it’s nearby no one else, but the exact distance to the swim beach is 18 minutes from our front door. It’s small, clean, has picnic tables, grills, restrooms, and allows for boating, fishing, and swimming. After the distance, the second best thing about this little lake, is that it costs $5 per car, per day. The nearest aquatic centers costs more than that per person.

Last Christmas, my step-brother announced that he’d booked a company-owned luxury cabin, in Crested Bute, Colorado for Labor Day weekend. The whole family was welcome, at a discounted rate, which depended on how many committed. Because the cabin could only be reserved for four days, the plan was for everyone to stay at a nearby hotel for three to four more. My parents and all of my step-siblings were enthusiastically in, without private discussion, while Jake and I offered non-committal responses, knowing we’d talk about it in the car.

Though we didn’t wish to share the details of our financial situation with my entire family, from the beginning we felt it was optimistic, at best, to think we could take a family vacation in a year when we planned an embryo transfer, which costs about $4,000. So, with the final total up in the air, we tabled the idea, under the heading of “Wouldn’t That Be Nice?” In April, Zane clarified that the cost would be $100 per adult for the full stay at the cabin. Jake and I tentatively agreed that we could probably swing that, but that the hotel was out. In May, we received the wonderful news that we wouldn’t have to pay for an embryo transfer after all. In June, however, I read an article about how the used car market was going to get bad again and finally admitted that we couldn’t actually fit three children in rear-facing car seats in my Sorento.

So, we found ourselves the proud owner of a 2019 Chrysler Pacifica… along with a $1500 pending tag and title and a $100 car payment, when both of our cars had previously been paid off. It wasn’t a lot of money, but it was $1500 on our emergency credit card. All the while, my pregnancy was progressing and we needed to move the girls into the larger bedroom, so we could ready their old one for their baby brother. After purchasing a new closet kit, wood and brackets for the 360° shelves Jake built, stain, paint, brush and roller kits, curtains, and additional shelving to make the most of their small shared room from 1980, we were easily looking at another $1200 on said credit card.

In August, I conceded that Colorado just wasn’t doable. A 12 hour drive with 14-month-old twins would be miserable. With gas prices as they were, it would cost an additional $400 just to get there, making it no cheaper than flying. Flying on a holiday weekend sounded even worse with the current transportation issues, all for the equivalent of an extended weekend. We’d already put so much on the emergency credit card, yet still felt we could pay it off completely with our tax return, avoiding any interest. While we could justify charging new baby preparations, we just couldn’t bring ourselves to put a leisure trip on credit, even if it was during my 35th birthday. Instead, we would take our girls on their very first lake trip and save approximately $1,495. While everyone else was in Colorado, our family vacation would comprise a few hours less than 20 minutes away. So, in this time of 40-year-high inflation rates at 8.4%, historically high gas prices, soaring electric bills, and general financial discontent across the country, I sent a group text bowing out of the family vacation… and I was the only one.

Y’all, I try to remember that what other people do with their money is none of my business… and I have a lot of practice doing so. Even before I quit my job to stay home, I never got manicures. I cut my hair and Jake’s. I owned one purse, a leather Fossil bag, which I’ve been carrying for three years, as I did with each of the previous three. My clothes have always been bought on sale from Kohl’s, Target, Old Navy, or Amazon. I keep the newest or last edition phone, only for the camera, because I make annual photo albums. Jake’s was five years old until he got a free upgrade. We don’t have cable and keep our streaming services to a minimum. We rarely eat out, cooking at home with groceries we buy ourselves, sans meal kits. My weekly splurge is maybe a $10 sushi bento box, with Jake’s equivalent being beer. When we do get fast food, we literally always split something we buy with a coupon.

Don’t get me wrong .We’re not destitute or struggling without. We have nice computers, a 75″ TV, and quality furniture. Jake owns the newest XBOX and I the latest Cricut machines. However, these are already paid for, so we spend a lot of time at home and rarely do things that cost actual money when we go out. When we go to the zoo, I get a free pass from the library. We go to the park, farmer’s market, free festivals, church events, rodeos with tickets from Jake’s uncle. We stream new movies or check them out from the library. We host two separate DnD games every other week to maintain a pretty decent social life for parents of small children. For fun, I do various crafts and read, while Jake works in the yard or plays video games. Our tax returns go, primarily, to pay off the 0% emergency card or home improvement projects. Our mortgage payment is a little high, but it’s most certainly balanced out by the fact that we have very little debt beyond that.

I’m not complaining about my circumstances. I live in a nice, spacious home on over an acre, in a safe neighborhood, in a small suburb, in the state with the third lowest cost of living. I love my used car and Jake has no complaints about his 12-year-old truck. I like saving money and enjoy the challenge of finding coupon codes. Target clothes are enough for me. I enjoy painting my own nails. I don’t want a new purse. I’m content to be able to buy and cook good food. I’ve done the math on meal kit subscriptions and they’re a terrible deal, only slightly worse than eating out. I just don’t understand where people are getting their money and why they have so much more than we do. No matter how hard I try to be a good and non-judgmental person, I’m frequently left scratching my head at how people are affording their lifestyles.

With Jake’s friends and family, their circumstances at least make sense. His friends have largely gotten loans to start their family farms and run cattle. His sister has land and cattle because her husband once won quite a bit of money at the NFR and started his own business. One cousin is high up in oil and another helps run the family rodeo company. They’re also all 10 years older than us and most of them can’t even comprehend the term vacation, they work so hard. It’s not these folks who are confusing me and I genuinely hold zero bitterness toward them for their success. When looking at people our age, in similar life situations, though, I’m not bitter, but I am at a loss.

I’m not even on social media, but I still see some of my own family members, who’ve just bought their first home and had a baby in the same year, taking vacations, getting manicures, hitting Starbucks every day, and trying out expensive subscriptions, knowing that how much they earn annually places us firmly in the same bracket. They make similar money to what Jake and I do now or what we did before, but while paying for daycare. Still, they buy new cars, don designer handbags and jewelry, shop at pricey boutiques, and eat out all the time. They never seem to financially struggle during the holidays, whereas Jake and opted out of trading gifts between adults years ago. They had elaborate weddings, live on just enough land to cost some serious upkeep, and own farm animals that earn no revenue and essentially amount to expensive, but Instagrammable chores. They buy hundreds of dollars in gifts for their kids, keep them in stylish clothes and the latest tech, and take so many family vacations. I don’t even like to travel, but I’m still wondering how all these middle class people with small children are affording to do so, while Jake chooses a vacation horror movie on Netflix and I Google “fun and free family activities?”

I did not rejoice in the fact that my family all had to miss their flights and sleep on the airport floor with their many babies, came down with altitude sickness, got food poisoning, and experienced several Covid-19 cases during their Colorado trip… but I did rejoice in the fact that Jake and I didn’t put $1500 on a credit card to share in that experience. Similarly, I try not to somehow console myself with the idea that all of these people are drowning in debt. I truly hope that’s not the case, because although Jake and I had to pay $30,000 to have some babies, our house payment, new car payment, and minimum on the 0% credit card are the only monthly installments debts to our name. We also have investments, outside of Jake’s retirement. While they’re not as robust as they once were, with Bitcoin having bought us our babies, they still equal around $35,000. Additionally, although I’m staying home and these other couples earn two incomes, were I still working, the cost of daycare would have voided my pretty decent earnings when our boy arrives.. Even when Jake and I were both working, earning six figures together, we weren’t even able to daydream about keeping up with the Jones’s the way everyone else seems to be doing, so effortlessly.

What is it? Is everyone investing without me? Have they all inherited money? Are they printing it? Are they somehow not paying $4 per gallon in gas and $250 a month for electricity? Are the seemingly normal life expenses Jake and I experience so ridiculous? Do other people not need to have their thermostat replaced, upgrade their car with the increasing size of their families, repaint the occasional room, and save up for a new front door? Are these people, who seem to be living so lavishly in such similar circumstances to ours, somehow living in a pocket dimension where it’s the 1990s and a bag of frozen chicken doesn’t cost $30? Are they just spending more money? Do they have no savings? Are they all drowning in debt? Am I missing something, here? Am I just blind?

Ultimately, of course, I try to remind myself that the answers to these questions don’t actually matter. I have a nice life, one I’d have only dreamt of at one time. While we do make sacrifices to allow me to stay home, they’re both worth it to us and not that much greater than what we’d have been making were I working to pay for daycare. I wouldn’t turn down manicures, fancy haircuts, and massages, but I don’t feel my life is poorer without them. My children are too young to enjoy movie theaters, eating in a restaurant, or vacations. Jake and I appreciate the option to pause the movie on HBO Max and discuss or rant. We like cooking together every night, feeling it makes our marriage stronger. As for the Colorado trip, in hindsight, it seems we had much more fun watching The Hills Have Eyes after taking our girls to our new little $5 lake.

Still, no matter how hard I try to just mind my own busines, be thankful for all of many blessings, keep from looking into other people’s bowls… I can’t help but wonder, why does everyone have more money than we do?

There Is No War on Women

Posted on March 13, 2014 by Belle of the Library

That’s right. I said it. I’ll say it again. There is no war on women.

Fine. Perhaps I need some qualifiers. There is no legal war on modern day, American women… says this modern day, American woman.

Up through recent history, I would have vehemently disagreed with the above statement. For most of time, physically, women were the weaker sex, by nature; while intellectually, women were the weaker sex by design. Both ideals were perpetuated on a global scale. Not until 1870, were married American women allowed to own property. In 1918, Great Britain granted the vote to women over 30. It was 1920 in the U.S., before women finally won any rights to vote. Britain then took a few leaps back, deciding acts of lesbianism shouldn’t have the same punishment as male homosexuality, because women were too naive to comprehend such behavior. In the U.S, it was not until 1960 that the FDA approved birth control pills, which was leaps and bounds ahead of Great Britain’s 1974 availability.

Depending on your theological beliefs, man is potentially seven million years old and the institution of marriage (as we think of it today), is estimated to be around 4,000. Still, I was five on July 5, 1993, when it officially became illegal, in all 50 states, for a man to rape his wife. That’s right. Twenty-one years ago, women were still considered property of their husbands, in the same sense as a fleshlight. So… I am not saying that there has never been a war on women, in this country. I am saying that it has been won.

Where, exactly, am I hearing of this “war on women”? Well, let’s start with…

The Trivial Crap

Recently, some very successful women have declared that they’ve been held back (clearly, Condoleezza Rice) by the male sex for calling them “bossy.” I’m not going to write about how ridiculous this is, because so many other bloggers have already covered it, but to sum it up, these women are demanding that we stop using the word bossy. This is a thing, y’all! This is a pretty minor issue, sure, but isn’t that a point in itself? Have we run out of evidence of a “war on women”, so thoroughly, that we have to ban words that are completely gender neutral, while enabling young girls to blame their failures on mild extrinsic factors? I’m sure this one will blow over quickly enough, but I’m also sure some equally stupid movement toward “gender equality” will rise up, drastically favoring women; such as when parents were appalled by The Children’s Place’s distribution of a t-shirt implying that girls would rather dance than do math.

Admittedly, it was a terrible idea, but was it the horror that mommy blogs made it out to be? No. Especially considering that little girls will still wear this to school.

“Boys are stupid. Throw rocks at them.”

Given the choice between the two, I’m really more concerned that one shirt incites violence, than I am that the other declares shopping to be more fun than equations. Why is there no emphasis on the villainization of little boys and how that affects them? Why are we only supposed to be concerned with the mental health of our little girls, with the Dove Campaign for Real Beauty, when society regularly tells little boys that they need to look like Chris Hemsworth in Thor? How is self image even gender specific?

The Glass Ceiling and Equal Pay

Alrighty then. Let’s address a less trivial issue.

– glass ceiling –

noun

an unfair system of attitudes that prevents some people (such as women or people of a certain race) from getting the most powerful jobs

Well, the woman whose life has been so irreparably damaged by a fairly innocuous insult, that she must start a movement to ban words – suck it, first amendment! – is the COO of Facebook and worth $1.05 billion. I think Sheryl Sandberg’s very existence kind of covers the issue of whether or not women can find “the most powerful jobs.”

What about everyday women, though? They still only make .81 for every dollar a man makes, right? Well, no… not really. When this subject comes up, I have to remind myself that Research for Fun is not a game normal people play. I’m a librarian. I’m a researcher by trade and by heart. This topic happens to be one of my favorites to study and in fact, the 81 cents on the dollar statistic is intrinsically flawed, because it’s figured by averages and nothing more. Many studies show that when all factors are considered, such as the fields women choose, the hours they work, leave time, priorities such as pay vs. working conditions, et cetera, the perceived “wage gap” closes itself. The differences remaining are often so negligible that they can be attributed to aggressiveness in pay negotiations and things of that nature. While a man will probably choose a more stressful, time consuming, but lucrative career path, such as petroleum engineer, a woman is still more likely to choose something in a caretaker field, with more vacation time, steadier hours, and lower pay, such as librarian.

Reproductive Rights

Finally, the biggest claim I can find that declares a “war on women” is made by the American Civil Liberties Union (ACLU), in regards to an attack on women’s reproductive rights. Before 1936, it was more or less illegal for a woman to learn about birth control, as the topic was considered “obscene” and banned from distribution through the mail. Today, for better or for worse, any 12-year-old can perform a Google search and walk into a drugstore to grab some condoms. As a society, we don’t hoard information on the subject at all. Whereas a woman’s doctor might have been able to tell her father or husband if she was using contraception 50 years ago, now HIPPA laws mandate doctor/patient confidentiality, no matter the individual’s age or marital status. Those issues were an “attack” on women’s health and reproductive rights and are, clearly, no longer the norm. In regards to abortion, not until 1971 did Roe vs. Wade actually grant a woman the right to the procedure (as long as the fetus was not viable outside the womb), without explanation, in defense of her privacy.

Now, I am not going to debate abortion here, because that is not my point. My point is that abortion is debatable, as a moral issue, not a gender issue. Nationally, 51% of Americans consider themselves pro-life and the make-up of pro-life men vs. pro-life women is actually at about 50%. These people, both men and women, are not attacking women. In their minds, they are protecting the innocent, and don’t want to personally fund their destruction. Regardless of your take on the issue, you cannot argue that these laws are gender biased, because their proponents are distributed fairly evenly, between the sexes. Yes, a woman is the only one who can get pregnant, so these laws target her. By extension, however, a man is the only one whose potential child can be disposed of without his consent, so these laws target him. The presence of gender, does not make the subject gender.

ACLU also mentions “medically unnecessary ultrasounds.” Define unnecessary. Personally, I feel that any medical procedure, should be thoroughly explained. When I miscarried, I had to look at an ultrasound of my emptying uterus, as the doctor explained what was happening. I had to look at the bloody fucking wand, but it’s too much for someone to be informed about what’s happening to them by choice? I’m not suggesting anyone play clips of crying babies as they perform these ultrasounds, but that’s not what’s being done, either. “Here’s the heartbeat” is hardly the same as “here’s the eyes you will never see open.” If that is what your doctor said to you, then get a lawyer.

So there it is. There is no war on women. Sure, there are still some kinks to work out of the system, but I don’t think we gals are unique in that. A gentleman at a gun store once responded to my request to look at a Springfield .45 XDM with “You don’t need to be messin’ with that.” Was it sexist? Yes. Was it a declaration of war? No. When I Google image searched “international abuse toward women”, I found pictures of decapitated heads shrouded in burkas, children undergoing female circumcision, and women in various stages of recovery from acid attacks. We’re awfully quick to throw around the word “war” in a society where both of these things are pretty universally abhorrent. Perhaps some households, some religions, some small sects of society hold strictly traditional gender roles, but if they’re forced on adults, we consider it abuse.

“Boys fix things. Girls need things fixed.”

.
In the 70’s, When my Gramma’s boss found out that she was going back to school, he told her that he didn’t care what degree she earned, she would never be an accountant. Today, though? The only job I can’t hold is King, and I don’t think any American is entitled to that, anyway. Every now and then, my Gramma will say longingly “Women can do anything, today.” Yet, as a society, we don’t seem to see it. We’re too busy demanding equal pay for kindergarten teachers and physicists. Personally, I chose a less lucrative field. Some claim that that’s because women are socially programmed to do so, and to that, I say fuuuuck you. How dare you tell me that, because I’m a woman, I’m not intelligent enough to form my own opinions and set my own priorities? How dare you say that to any woman, be she the stay-at-home mom or Sheryl Sandberg, herself? I didn’t become a librarian because someone called me “bossy” when I was little (and they totally did) or because society told me I wasn’t capable of more. I wanted this, because I’m an intelligent and capable adult. So, suck it.

The same goes for this reproductive rights argument. If you’re not happy with the fact that a woman can get a medically safe abortion in all 50 states, you need to have a sit down with my great grandmother and her wire hanger. No. That’s not a joke. I’m not entirely sure what more you want out of abortion laws, but I am certain that my views on the subject are not an attack on women. Again, how dare you say that I’m not capable of forming that opinion on my own, that it’s some brainwashing accomplished by man as they feel the need to assert their control over the female body? How intensely arrogant that I can’t just disagree with you, while remaining fully informed. I write this blog for fun and I’ve got over15 citations listed. I promise, I’ve done the research.

From what I can see, the only “war”…

Acid attack. Still wanna go with that word?

… on women, that I’ve experienced, is when other women tell each other that they’re making the wrong life choices. (No, that doesn’t apply to pro-lifers in general, because they feel they’re considering a different life, that cannot speak for itself.) Despite the fact that I’ve survived a wretched marriage, obtained a master’s degree, begun a professional career, and cared for myself financially and physically for years, I’m making less money than men, because I was programmed to do so. Similarly, that girl from high school, who wants to become a professor, surround herself with cats, and never get married or have children? She’ll change her mind. She’ll see the light and realize the right way to be female.

It’s not possible for me to have a different interpretation of the concept of “life.” I just must not be informed of the biology behind Plan B and can’t defend an innocent without attacking “all women.” On the other side of the debate, a woman can’t take Plan B, without being called an irresponsible slut or being told that if she gets pregnant, she asked for it. It is possible for us to have differing opinions without insulting each other. From what I can see, it’s not men flinging these comments. If there is any remaining war on women, it is being waged by women.

Citations

http://www.infoplease.com/spot/womenstimeline1.html

http://www.mmu.ac.uk/equality-and-diversity/doc/gender-equality-timeline.pdf

http://usatoday30.usatoday.com/tech/columnist/aprilholladay/2004-12-10-

http://bigthink.com/dollars-and-sex/the-origin-of-marriage-and-the-evolution-of-divorce

wonderquest_x.htm https://www.rainn.org/public-policy/sexual-assault-issues/marital-rape

http://banbossy.com/

http://www.parents.com/blogs/parents-news-now/2013/08/07/must-read/the-childrens-place-apologizes-for-offensive-girls-t-shirt-2/

http://www.merriam-webster.com/dictionary/glass%20ceiling

http://www.forbes.com/profile/sheryl-sandberg/

http://www.forbes.com/sites/realspin/2012/04/16/its-time-that-we-end-the-equal-pay-myth/

http://www.chicagotribune.com/sns-abortion-timeline,0,7911413.story