On the drive to work the other morning, I was listening to KLOS, hoping to catch some Pat Benatar or Eagles or Doors or other standard L.A. FM-radio fare. Instead, I started listening to a caller who said she was homeless but had a college degree and some certifications, with bookkeeping and administrative skills, recent work experience, and so on. She sounded sharp—spry, even. The morning personalities (“Heidi and Frank”) asked the caller how in the world she had become homeless. The woman mentioned something about a divorce and losing her job, then “the next thing you know, you’re living out of your car.”
Actually, it’s not that hard to understand.
Alfred Postell is a Harvard-educated lawyer. He’s also homeless
The Economist, which (bear in mind) is hardly a paragon of left-wing social advocacy, ran an article recently about the high cost of being poor. It mentioned that “In 2014 nearly half of American households said they could not cover an unexpected $400 expense without borrowing or selling something.”
In L.A., the median rent is now around $1800 a month, so if you’re one of those can’t-afford-a-sudden-$400-expense households and you suddenly lose your job, it’s a Very Big Deal. It could mean moving into your car while you begin the 28.4-week (on average) process of finding a new job.
Back to the homeless radio-show caller. It turns out being homeless but college-educated is in no way uncommon, although people still treat it as a freak situation (which it’s not). The Washington Post not long ago ran a story about a Harvard-educated lawyer who is homeless. It’s the sort of story that goes viral because it’s so unexpected. But it’s only unexpected because so many people are so ill-informed about homelessness. Also, we have a strong need to believe our cherished myths about education being the key to a better life blah blah BLAH BLAH. When reality collides with that sort of myth, the myth, oddly enough, tends to win.
In Los Angeles County, where I live now, about 82,000 people are homeless on any given night; 32% are college graduates.
Nationwide, 56,000 college students are homeless.
Also: In L.A., 18% of homeless men and women are veterans of the armed forces.
But: The homeless don’t work, right?
According to a 2002 national study by the Urban Institute, about 45% of homeless adults had worked in the past 30 days. (That’s only about 15% less than the population as a whole.) The idea that homeless people are, as a group, generally unemployed or without an income is false. Many work full-time. Some have disability checks. My wife is one of those. She’s not homeless, but her $705 monthly check from Social Security isn’t enough to pay rent. (Kafka side-note: She’s been turned down, in the past, for low-income housing. Not enough income.)
We tell ourselves all kinds of myths to avoid having to understand homelessness in any kind of detail, because it’s just too frightening a subject. One of the most popular myths is that homeless people are, by and large, either drug addicts or mentally ill, or both. That’s pretty far from accurate. In L.A., only about 20% of homeless are mentally ill. Substance abuse is harder to quantify (since it’s based mostly on self-reporting), but the Substance Abuse and Mental Health Services Administration estimated, in 2003, that 38% of homeless people were alcohol-dependent and 26% abused other drugs. That’s a lot, but it’s not 100%, or even 50%.
Another myth that’s comforting (somehow)—because it keeps us from having to think any further—is that many homeless people choose homelessness.
We have a strong, primal need to cling to our feel-good beliefs. If someone is poor, it’s obviously because they chose that. That’s the predominant myth sold in America. If you’re not a millionaire, it’s because you didn’t choose it; you chose to be the loser you are.
Not getting that dream job? It’s because you made these 10 common mistakes in your resume.
Not getting traffic to your website? It’s because you didn’t follow these 5 surefire headline-writing techniques.
Not getting the man of your dreams? You didn’t read last month’s Cosmo.
Not successful beyond your wildest dreams? You didn’t follow the law of attraction.
That’s it. That’s it in a nutshell.
11 Most Read IRIS Articles of the Week!
4 Ways to Find Your Prospect’s Biggest Pain Points
MyPerfectFinancialAdvisor and Why I Started It
Understanding Elder Law with Guest Geoff Hoatson
Leaders: Where There’s Smoke, There’s Not Always Fire
What You Need to Know About Senior Isolation
Transitioning from Business Ownership to Retirement
10 Key Components for Creating a Positive Company Culture
What is a Captive Insurance Agent
Hard Work Increases Your Value
Development2 days ago
Changing Forward Means Silencing Your Inner Gremlins
Research2 days ago
Please Don’t Buy the Dip in Nvidia or Other Chip Stocks
Content Marketing2 days ago
3 Ways to Distinguish Yourself as an Advisor Using Only Your Blog
Permission to Succeed3 days ago
Setting the Standard of Care for Medical Cannabis with Nick Vita
Strategies3 days ago
Junk in the Trunk: The Story of Today’s Bond Market
Marketing3 days ago
4 Reasons Your Sales Team Isn’t Receiving Referrals
Development3 days ago
10 Tips For Recruiting Financial Advisors
Development4 days ago
Why Short Term Trading Is Not Investing