Wednesday, October 9, 2013

STUFF!!

We are obsessed with STUFF!

I've been wrestling with  how to write this post without coming across all preachy, but there is no other way to do it. As a society, we place so much emphasis and importance on the accumulation of material things, and surrounding ourselves with stuff. Some of us want to make sure the people around us know we have stuff, and lots of it. Some others place so much importance on the stuff they accumulate, so much so that their self-worth is dependent on it.

When I was in 2nd or 3rd grade, my parents gave me a meager allowance every week to cover any snack purchases I wanted to buy at school. I  remember being disheartened that my allowance was so much less than my friends’, who had double, triple, or even quadruple the amount I got. My parents thought the amount was perfectly reasonable. After all, what would a 2nd or 3rd grader need with more money? I had a packed lunch, and I was going to school, not shopping at the mall.

Growing up, I went to private schools. In Egypt if you want any semblance of a decent education, and your parents could afford it, you had to go to a private school. Public schools were for people that lived several stories below the poverty line, and had no other alternatives. My family did not come from money. My mother and father both worked hard for a living, and were the product of fathers (their mothers did not work) who also worked hard for a living. My father eventually started his own business, and financed it all from his hard earned income. We lived in a two bedroom apartment, and I shared a bedroom with my sister until I was 13 years old. They worked hard, and invested in my, and my sister’s education. My parents never bought a lot of stuff. We had good furniture, working cars, and nice clothes. We lived within our means.

After I graduated high school, I was privileged enough to attend a private American university. I lived with my parents (the majority of Egyptians do that until they get married…and some even afterwards), and I drove my mother’s old car (1985 model Peugeot). The school I attended was full of rich kids, and we often referred to it as Cairo 90210. It was easy to feel inferior, or like I did not belong because I did not have designer jeans, or the latest fashions from Europe or the States, and I did not drive a BMW. I remember catching a ride with a friend one day, and he was babbling on about “not being proud of his car”. It was a latest model something or other, with leather seats, and a working A/C. His mother was on staff at the university, so he did not pay any tuition, and for the most part he was a mediocre student. I wanted to punch him in the face!!

My father did not (and probably still does not) believe in credit. He never owned a credit card, and always paid everything in cash. If he did not have the cash, that means he could not afford something, and therefore did not buy it. He paid for our house in cash, bought his car in cash, and paid for my education in cash. I still remember him sending me to school every semester with a bag full of cash to pay my tuition.

When I moved to the United States, I had the fortune of having a loving adopted/surrogate family that took me in, and help me in establishing my life here. They are/were good people, and firmly believe, as do I, in pulling one’s self up by one’s bootstraps, and working hard to get ahead in life. My first job in the States (a year out of college with a B.A. in political science from the top American university in Egypt) was as the night shift clerk at a White Hen Pantry (now 7-11). I made $7 an hour, and spent my nights mopping the floors, and stocking the fridge. I eventually learned to slice deli meat, and progressed to $7.50 an hour. I financed my first car (a 1995 Mercury Sable), and eventually found jobs further away than walking distance.

I've lived here now for 12 years, and my biggest debt is my mortgage and my student loans from graduate school. I acquiesced to getting a credit card in 2006 so I can establish revolving credit in order to qualify for a mortgage, and have never charged anything that I could not pay off in a couple of months at most.  I make a conscious choice on a daily basis to live within my means, and set goals for myself to save in order to afford the things that I currently cannot.

I know I sound like a goodie-two-shoes, and I know I have been very lucky in my life. But,  It is because of my history that I fail to understand people that live beyond their means, and borrow, beg, and yes even steal (or defraud and embezzle) in order to accumulate mountains of stuff for the soul purpose of impressing the people around them. There is a culture of consumerism in this country that makes people go crazy over accumulating material things for no other reason but to gain some kind of fictitious status in their community, or a misguided belief that more stuff equals higher self-worth.

My partner is currently going through a Chapter 13 bankruptcy following the dissolution of his previous marriage. As with any divorce, both parties must agree to the division of their property. Unfortunately for my partner, the “property” from this divorce ended up being nothing but debt.  His share was a mortgage that was under water due to the declining value of the house, and numerous other debts that were solely in his ex-husband’s name as a result of borrowing from a retirement plan, or paying for their lavish over the top wedding. In going through the divorce, and a couple of years later through the bankruptcy, I got a first had glimpse at the extent of the funny money that was going around to finance a lavish lifestyle that was nothing but smoke and mirrors. Borrow from A, to buy B; then sell B to buy C; rent out A, to pay for living in D; and then sell C, to buy E; and while we’re at it, let’s borrow from any family member that would give us money so we can go on trips, buy boats, or cars, or clothes or what-have-you.

Did any of this stuff make them happier? Obviously not! Did any of this stuff matter to their life together? I would say it was probably one of the reasons their relationship collapsed. In the end, there were days when my partner literally did not have two pennies to rub together,  and there were days when he could not even afford to buy himself lunch. A decade of accumulating stuff, and just buying things resulted in enormous debt that could likely force him to pay half of his income for the next 5 years to pay off. Debt that was accumulated by his ex-husband, but is now his cross to bear.

My partner is so much happier without all this stuff that he did not need. Ask him what he enjoys, and he will tell you a good book, listening to vinyl records, opera, watching movies, and eating popcorn. He is at his happiest and most joyful when he is frolicking in the ocean, chasing waves, and bathing in the sun. And I am at my happiest when I’m watching him laughing joyously while swimming in the ocean, and cuddling him in our bed before we both fall asleep in each other’s arms.

We don’t need stuff! All this clutter and endless desire for things and money has made people forget what is important in life. When you are on your deathbed and taking your last breath of air, you won’t have your stuff or money with you. No!! You will have nothing but your memories flashing in the final seconds before you cross over.  Do you want these to be memories of time spent buying things, or pretending to be wealthy, or showing off your material wealth (real or fake) to the people around you? Or do you want these last fleeting memories to be of love, joy, and happiness surrounded by people who truly love you?

I know what I would choose!