posbehsf
Joined 7 years ago
Joined 7 years ago
I still don’t know what the solution is to address the mental health aspect of homelessness. It’s disturbing seeing disheveled people scream at the top of their lungs in the middle of FiDi after work and no one batting an eye.
It seems like there’s a combination of shame in talking about money, in being made to feel personally responsible for being in precarious financial situations (e.g. too much avocado toast!), and relatively easy access to consumer credit to numb things over. Or it’s just the “boiling frog” phenomenon where things get slightly worse every year due to everything getting a little more expensive but never sharply enough that it’d create a mass revolt.
It explained a lot about how I act today, and why I became very independent at an early age. I continue to struggle with feelings of emptiness, depersonalization, emotional numbness. It sucks to feel like you cannot escape your childhood even as a grown adult.
There are tons of hidden costs with ownership like insurance, property taxes, HOA, repairs/maintenance I don’t have to deal with. Plus the opportunity cost of locking $200k+ in an illiquid asset with high transaction fees to eventually liquidate years later isn’t appealing unless you’re buying a home firstly as a permanent home for raising a family and not as an investment.