A wealth gap

I can across an interesting article that coincides with what I’ve been thinking hard about these past few days. It’s about black people and wealth disparities. You can read it here . As the product of two generations of a middle class family (grandparents and parents), I don’t have anything to show for all their hard work. No property, no trust fund, no assets. Just a crippling amount of student loan debt. And I know that I’m not the only one in this predicament. Growing up, my father worked and my mother stayed home to care for us. She decided that she wanted to raise her children and homeschool us so she did. As a result, we lived in a single income household. A phenomenon that I’m experiencing now with my household of one. There are so many things that I want to do now but I won’t be able to because of my financial obligations. Transitioning to teaching or a post-doctoral position would require a pay cut of about 20k to 40k per year and I can’t afford that. This year one of my goals is to become more financially literate and I’m working on it. However, I wish that I didn’t have to start from the bottom and if I ever make enough money to afford kids I want them to have a different experience. It’s like I’m starting off at a disadvantage and don’t have the opportunity to at least start at baseline. Definitely tough.

Qualifying

I admit that I struggle with the general idea that one has to “qualify” in order to get married. There’s this list of things that single women are given and expected to accomplish before they are ready to get married. We tell our girls that boys will always be there and to get their education first. You’re expected to work on yourself, do fun things, finish school, pay off debt, and get a decent job among other things before you qualify for marriage. Now granted, my story is different in that while I’ve always wanted to get married, I had a feeling that I would be on the road less traveled for a long time. I just didn’t anticipate how long it would be. I was hoping for 25 but now I’m pushing 30 without any actual potential mate on the horizon. I find it frustrating when I’m told that there’s something that I’m doing wrong or just haven’t done yet that makes me unqualified to be married. I see people all day, I’m a good listener, I can hold an emotionally safe place and challenge the perspectives of others in a way that is non-threatening and supportive. I’m the sole provider of my household of one and while I’m not rich, bills do get paid and I travel once in a while. I recently completed the highest educational level one can achieve (PhD) and yet the Universe still apparently sees me as unqualified for a mate. I’m all about doing the work but shit, being alone gets old after a while. I’ve learned how to self soothe and what to do to calm myself down but there are times that I’d sell my soul for a hug and the knowledge that someone has my back. Yes, I’m approached by guys but so far they aren’t ready for anything serious or want me to finance their lives and take care of them. Neither is an option I want to live with. It sounds corny but I want to matter to someone. Really matter. I haven’t found that yet and the older I get the less optimistic I am. It’s just exhausting and tiring doing it alone all the time and while I’ll always do what I have to do, I wish things were different.

Therapeutic travel

One thing that I often encourage my clients to do is to get outside of their comfort zone once in a while. This often takes the form of encouraging them to travel somewhere. That’s why I really liked this article about traveling that’s written by a therapist. You can read it here. There’s nothing like doing something while going out your comfort zone. There’s the opportunity for learning more about yourself and the world around you when you go somewhere. You have the chance to experience a new culture and navigate in an unfamiliar environment where you don’t necessarily have the backup of friends and family. Solo travel can be daunting but that’s the fun part about working through your reluctance. The more you learn, the more you realize what you don’t know. But it’s all about taking the first step and doing it–because let’s be honest, sometimes you just have to do things while scared because it’s something your future self will thank you for.

Living at home

One thing about being a therapist is that I get to meet people from different walks of life and backgrounds. While everyone comes to see me for different reasons, sometimes I hear similar sentiments echoed my multiple people. I’ve met with a lot of people who are stressed out because of their adult children who are living in their home. Many times these are devoted parents who have attempted many times to help but they are at their wits end because they truly believe that their adult children in their 20s, 30s and 40s never intend to leave. As expected, there’s often a lot of clashing as the adult kids want to be respected and do what they want to do while the parents feel inconvenienced and many times feel obligated to make some sort of rules or give a move out date. Some of this is truly due to the economy as it can be harder to get a good paying job and the cost of housing continues to rise. Sometimes people have no other choice than to move in with family and save money. But there’s another group that doesn’t see the need to move out because it’s comfortable. In these situations the adult child usually refuses to get a job and the parent feels helpless because they don’t want their child to be homeless. In the cycle of life there’s a time ideally where the parent and the child switch roles as being the caregiver for each other. I’ve met many parents who desperately need help from their children but the switch has never been made and instead they are giving all their resources and money to their children who aren’t appreciative and it’s at the parents’ detriment. However the parents refuse to do anything because it’s their children and they feel obligated to care for their (adult) able-bodied children for as long as they are alive. The endless cycle continues because neither adult child or parent wants to make a different or a difficult decision. It’s definitely a phenomenon that I would love to do more research on at some point.

Social work today

A few days ago I shared an article on social media about the ways the social work is failing. While it was very thought provoking, the author also talked about ways to remedy the problem. As someone who has worked in the field for almost 7 years, the looks on people’s faces when I tell them that I’m a social worker can be quite comical. Unfortunately there’s still a prevalent belief that all social workers do is take kids away from their parents. Social work is one of the only professions I know where you can have a masters degree, two years of supervised experience, a clinical license AND make $17 an hour. That number isn’t arbitrary. It’s actually what I made when I first relocated to my original state of residence. The fact is that we are often overworked and not fairly compensated for our services. Burnout rates are at an all time high because we can’t even afford to take time off and it’s sometimes a struggle to pay bills and make student loan payments out of the pittance we’re given. Don’t get me wrong, you can make a decent living as a social worker but it will probably entail working more than one job, working in an administrative capacity, or being an entrepreneur of sorts. With mental illness continuing to be a growing concern, I wish that the growing demand for mental health providers like social workers translated into an increase in compensation—like it has for nurses. Something definitely needs to change and maybe the change that is needed is that of a union. While I don’t have all the answers, I believe that this topic deserves more discussion and also subsequent advocacy.

Striking out

I’ve made so many decisions since I moved back the South. Where I was going to live, what I was going to do, where I wanted to go, etc. In addition to starting a new job, I’ve also been tasked with keeping up with another job I have and simultaneously getting another two jobs off the ground and running. The thought of totally working for myself has always scared me to an extent. As an unmarried single person, there isn’t even the “safety net” of a spouse who could hold me down while I got something off the ground. I remember reading a quote that said entrepreneurship is like jumping off a cliff and building a parachute on the way down. The thing about building a location based business is that you have to be willing to put down some roots in order to build up some clientele and network. It isn’t something that happens overnight and it takes some deliberate effort. But maybe it’s time to do something different and consider settling down for a change. While I love the idea of some stability, I also hate the feeling of being stuck without a good reason. And if I have to settle down I want it to be close to a beach where I can see and swim with some dolphins. But the truth is that if I’m taking the fairly big step of renting an office, then I need to do something that actually justifies the monthly fee that I’m paying. Logistically, having even two private clients a month would pay for the office itself. Two people out of a city of several million doesn’t sound too bad. It just means that I need to be strategic and market appropriately. Maybe it’s time to step out and do something different. I don’t love the idea of working for other people for the rest of my life.