Intro

It's time for a reality check ...

Maybe we’ve reached the point of diminishing astonishment.

But I suspect that much of what we’re hammered with every day really doesn’t make much of an impact on most of us anymore. We’ve heard the same stories too often. We’ve been exposed to the same issues for so long without any meaningful resolution. We recognize that reality is rapidly becoming malleable, primarily in the hands of whoever has the biggest microphone. How else can we explain a society where myth asserts itself as reality, based entirely how many hits it gets online?

We know that many of the “issues” as defined are pure crapola, hyped by politicians on both sides pandering to “the will of the people,” which is still more crapola. Inevitably, it’s not the will of all the people they reflect, but the will of relatively small groups of people with disproportionate political influence.

Nobody wants to face up to the realities of the issues. Nobody wants to say what’s right or wrong – even when it’s obvious and there are numbers to back it up. Most of us are afraid to bring up the realities for fear of being accused of being insensitive or downright mean.

So we say nothing. Until now.

It’s time for a reality check on the fundamentals – much of which is common knowledge to many of us, already. But it might be comforting to know you are not alone …

Friday, April 29, 2016

Saving up for a house …

How would you feel if an adult with a regular full-time job moved into your home with their girlfriend or boyfriend, and maybe even their kids and pets, took over part of your house, expected you to clean and cook for them, do their laundry and pay all the bills?   

If they’re your kids or grandkids, that’s what’s happening today. And many parents and grandparents seem to be fine with this.   

I’ll admit I’m stunned. Maybe because I was raised by wolves, I never once even considered moving back in with my parents. They never expected me to do that, either. In fact, when I left for college they almost immediately moved into a condo.  I was welcome to visit – temporarily – but would never again have a room of my own there.    

Contrast that with today.  I now know people who’ve had grandkids and their respective boyfriends or girlfriends, plus kids, move back in with them.  I know others with daughters and sons near their 40s with decent paying full-time jobs who have moved back home.

Look, I understand people falling on hard times and moving back home temporarily.  Or kids just out of college looking for a job. 

This isn’t the case here. 

These are grown-up adults, with regular jobs and a good salary, living rent and expense free in their parents’ or grandparents’ home. In some cases, Mom and Dad, or Gramma and Grandpop, are still paying their car insurance, their health insurance, paying for all the food as well as all the normal house expenses like taxes and utilities.  Their “guests” are paying for practically nothing.

When I ask them why they are allowing this, they almost always say the same thing:

Their kids or grandkids are saving up for a house. 

Seriously. Does anyone really believe this?  Is everyone that delusional?  Do these parents and grandparents expect that one day middle-aged Jimmy or Suzy is going to say: “Folks, we’ve saved enough for the lovely Cape Cod we’ve wanted and are moving next week.”

Get real. Never going to happen.  As long as they can get free room and board and hotel service at no cost to them they’re going to stay. Forever.      

Because they aren’t “saving up for a house”; they already have a house – yours. They aren’t “saving”; they’re waiting for you to just give up and hand your house to them. Free. 

Make no mistake – that’s the plan. They will play the “saving for a house” card or the “saving up to pay off my student loans” card as long as possible. Meanwhile, they have no problem making car payments, taking vacations, or partying on the money they’re saving at your expense.

They realize they can depend on old Mom and Dad, or the grandparents, to fall for this nonsense. After all, isn’t buying a house or paying down your debts something to be supported?

Why of course. If that’s what they’re really doing. But it’s not. And after a fashion even the most clueless parent or grandparent senses what’s going on. 

Their precious little snowflakes – now in their 30s and 40s – are still taking them for a ride. Just as they always have. And just as they always will, given the opportunity. Parents and grandparents are ATMs they can tap anytime they want and they never have to pay them back. 

This is not news. What do you expect from people coddled as children and brought up to expect that the world owes them everything for free.

Including a free home.         

I’ve actually heard parents and grandparents in this situation talk about just moving out of their own house, leaving the kids or grandkids there, and finding another house for themselves. They think this will solve things because once they’re no longer there cooking, cleaning, and paying all the bills, the moochers will move on to a place of their own. 

Fat chance of that. I can’t see the future, but I can hazard a pretty good guess.

I’ll bet if they do move out and leave the kids and grandkids behind in their old house, they still won’t be off the hook. Those same kids and grandkids will continue to expect them to maintain the property, do repairs, and pay the taxes and utilities on the house they no longer live in.

The only real answer is to kick them out. If you love them, you’ll do this. Even if you don’t love them all that much anymore – and if that’s the case I understand – do it ASAP   

Just stand up from the dinner table one night and say: “it’s time for you to go. You have a month to get ready. At the end of that month either a moving van will pull up to take you and your possessions to your new place.  Or a Goodwill truck will pull up to take all your stuff as a donation. Your choice.”    

Worried about the consequences? The hurt feelings? Don't. It's still your house.  

Years ago I had a woman in her late 20s who worked for me still living with Mom and Dad. She was making a good salary here, had a nice car, nice clothes, and was always out at night partying with her friends.     

One day I asked her if she ever thought about moving out and getting her own place. She told me she couldn’t do that because it would break her parents’ hearts.   

Honest to God, that’s what she said.

At least she didn’t tell me she was “saving up to buy a house.” I’ll give her that.

Years later she moved out to San Francisco with a new job. I suspect her parents survived. 

So will they.   

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