Subsidized in the City

« Return to Article

Discuss

Member Comments

  • Posted By: aericao @ 07/25/2008 8:42:57 AM

    I applaud this young lady for her efforts for financial independence. I wonder if life would be harder if she had a $400 a month student loan to pay back for the next umpteen years of her life? She can brag all she wants about her skimping and sacrifice, but having college paid for is a HUGE advantage for young people today. Others certainly aren't as lucky as her to have that luxury.

  • Posted By: blablahblah @ 07/25/2008 8:42:43 AM

    First: Kudos to this young women for supporting hrself, on her own after school, after she got a job and was financially able to get herself an apt. To be able to get an apt. in NYC,NY is no easy feat, the prices have skyrocketed. I moved out of my $900.00/mth apt there and it went up to $2500.00/mth. That's a shame. The problem is no "affordable housing" - that's why many people take "advantage" of their parents generosity.

  • Posted By: dienethal @ 07/25/2008 8:40:28 AM

    Thank you! As a 25 year old in Chicago, I thought I was the only one that wasn't depending on Mommy and Daddy to get through my day to day life. I absolutely agree that writting that rent check each month is liberating! Even those of you who weren't lucky enought to have your parents pay for school and are now feeling like you are drowning in student loan debt, can survive on your own! I have rent, a car loan, a student loan and an interest free credit card for which I bought all my furniture to furnish my apartment. Not to mention that I am now starting to plan a wedding and the cost of that is almost as much as what I owe on my student loans!! With the rising cost of gas, I am still able to live comforable. To make ends meet, I still work a few hours at my first part-time job as a cashier! It is better to live on my own than to be too proud to work two jobs.

  • Posted By: WaylonBryson @ 07/25/2008 2:45:55 AM

    Also, for those interested, the following link will allow you to listen to a NPR interview with Miss Sarafino regarding her essay: http://www.npr.org/templates/story/story.php?storyId=92744950

  • Posted By: WaylonBryson @ 07/25/2008 1:47:11 AM

    The realities of Miss Serafino's life are hardly relevant to her essay's central message: personal responsibility is a good thing. It is interesting that to me that so many people are posting so strongly against her because she happened to have parents who were/are in a position to help her in life. Moreover, even if her comments apply only to say 10% of the American population that still gives her an audience of 33 million plus. However, the message of financial responsibility and the benefits of independence go far beyond those of us who have been priviledged to receive multiple years of private education. Most americans live right at or slightly beyond their means, and this leads to all kinds of social misseries. The finanical pressure of living on an incomes edge leads to stress throughout a person's life --money related stress is a huge factor in the majority of divorces for instance. Miss Serafino's friends might be subsidizing designer shopping sprees on their parents, but how many of us know other people who are allowing their parents to subsidize extra trips to the gap and starbucks? Personal responsibility begins with financial responsibility. For some of us it is easier to obtain "a riches to riches story" but their are plenty of "rags to riches stories" and "riches to rags stories" that attest to the importance of economic independence and fiscal responsibility.

  • Posted By: maggs8888 @ 07/24/2008 10:54:08 PM

    To all those making fun of Melody: I actually went to school with her, and if I recall properly, I believe she got a full scholarship to Fairfield University. She's a very hard working and intelligent girl from a middleclass family in Western Massachusetts. Don't assume she's a spoiled brat because she went to private school.

    Melody, GREAT JOB GIRL!!!!!!!!!!! Go unicorns! :)












    Melody

    • Posted By: darzin @ 07/25/2008 1:28:23 AM

      No, you didn't. Melody already said her parents paid for her entire education.

  • Posted By: chris21799 @ 07/24/2008 11:42:03 PM

    Well, despite what David1959 says regarding Melody Serafino not knowing how hard it can be to make ends meet in NYC, should possibly should rethink that opinion. She is paying her own rent. Yes, that comes from after having her parents providing financial support for her education, but no one is to blame for that. My parents have never paid for my education and I just earned my Masters degree (Yes, I have a lot of student loan debt). However, I wouldn't have minded the help, that is, if they could have afforded it. Getting an education whether it is on your dime or someone else's shouldn't be looked down upon. She took advantage of her options and chose to at least be educated. There are many people out there that are not as financially well off in NYC, and due to their financial hardship, they are entitled to Pell grants and other FREE money for education and chose NOT to take advantage of it. This is nearly infuriating to me as my family "makes too much money" to receive financial help outside of student loans. My father is a self-employed construction worker, my mom, a legal secretary for the State (they reside in another state) and they have three children. In addition to these things, money management has been an issue in my family so altogether one can probably gather that my family "just got by" majority of the time. I didn't have the luxury for "free" financial aid, nor could my parents pay for my education. Am I boo-hooing?? NO! I'm cool with it. I have been doing things I need to do financially since I started working at 16 and I'm thankful for it. But don't think for one minute I don't know how hard it can be making ends meet here in NYC where I also live. I moved here when I was 24 and I paid all my bills by working 2 jobs while attending my graduate program full time. I know other friends of mine who still live at home also, but I'm not judging. Many people at some point in their lifetime return home after leaving because of financial difficulties. I'd rather someone take a little more time, get their education and prepare to become financially independent while living at home than to move out, make terrible mistakes, and return home in their thirties, forties or fifties even. I feel as if my friends still living at home are at a disadvantage and not knowing what it is like to be truly an independent adult and free to do what they want with their lives.

    • Posted By: darzin @ 07/25/2008 1:23:35 AM

      Paragraphs... they usually are an idication of having a Master Degree level of education. You should probably use them.

  • Posted By: Shawn310 @ 07/25/2008 12:17:58 AM

    I can see here that most of you missed the point of the article. She is not talking about those that need assistance from their parents, but those that are taking advantage of their parents generosity and could go it along but are just to reluctant to. In other words "If Mom and Dad will give it to me I will not stop them". That is the attitude that she is talking about. I know what she is talking about because I have been working since I was 12 years old and paid for my own clothes in H.S. because I felt the need to help out because of our situation. But I had and still have friends that constantly borrowed money from their parents and I am 38 now. I shouldn't say borrowed either because they never plan on or will ever pay them back and they get upset when they are told "no".

    • Posted By: darzin @ 07/25/2008 1:22:10 AM

      I have a question, how do you actually know that "her friends" aren't actually in need of the rent? How do we know that she hasn't taken any money or help from her parents? She wrote it, it's in Newsweek, my god, it has to be all true! No one would ever lie about something like this! Never!

  • Posted By: chris21799 @ 07/24/2008 11:51:32 PM

    Yes, I too think people are just jealous of others' opportunities. I had a scholarship too for undergrad. Why? Because I worked my a** knowing my parents weren't going to be able help me. And yes, I did work in h.s. as I mentioned before. I do not judge her, she is doing a great job. It's great her parents could help her. When I have children and I am able to help financially while their in school, I will.

    • Posted By: darzin @ 07/25/2008 1:20:05 AM

      Or maybe, it's no jealousy, rather a feeling that the article was a stroking of ones own ego?

  • Posted By: darzin @ 07/25/2008 1:16:05 AM

    "However, while in college full time, it is difficult to be completely financially independent in NYC." She didn't attend college in NYC from what I gathered from the story, nor did she live independent. She simply lived off her parents during the time.

  • Posted By: chris21799 @ 07/25/2008 12:42:21 AM

    My comments are more for those that seem upset that her parents helped her at all. I agree that you shouldn't take advantage when you are able to support yourself. However, while in college full time, it is difficult to be completely financially independent in NYC. It is one thing to receive help with rent, a totally different thing to get shopping sprees.

  • Posted By: chris21799 @ 07/24/2008 11:43:13 PM

    Continued from previous posting: There are a lot of twenty somethings that fall into two categories, both who do not choose to be educated: those who's family have the financial means to pay for their education, and those who do not. A smaller amount fall into another category: not financially priviledged and still manage to move out, get a good education and know it is like to work hard making your own way never looking back or needing to return home. I guess what I'm getting at is twenty somethings, educated and paying your own way in NYC can still experience how hard it can be to make ends meet. Do not judge, as you do not know what it is to walk in another's shoes. I know that youths often seem shallow, immature, inexperienced and selfish at times ( I too often feel this way). But if you are young and pay your own way in NYC, more than likely, you DO KNOW how hard it can be to make ends meet whether you received financial help in the past or not. Just because you may not ever live on the streets or have to beg for money or food doesn't mean you are not capable of knowing and experiencing a sense of hardship.

    But hey, I could be wrong. Maybe she doesn't really know, but then again, maybe she does. This economy affects everyone, the single, married, young and old.

  • Posted By: c6182 @ 07/24/2008 11:39:28 PM

    Melody is just giving her opinion. She is really arguing why people who can financially support themselves still live off of mommy and daddy. This has nothing to do with her personally. Why do you have to pick her apart? You don't know anything about her. She is a very hardworking person with a lot of drive. What do you not have anything better to do than to sit at your computer and belittle her for having an opinion? Mabe if you put this sort of effort into your everyday life you would be at work furthering your career and not having to ask mommy and daddy for money.

  • Posted By: Erin222 @ 07/24/2008 11:39:13 PM

    My goodness, there is a lot of bitterness in this thread. So many of you are impugning the author for the fact that her parents subsidized her education when yours did not...you do know that the fact that your parents did not cover your education does not make you better than her (or more entitled to an opinion), anymore than her situation makes her better than you, right?

    There is absolutely nothing in the article that even suggests Ms. Serafino is making a comparison of her own situation to that of someone who put themselves through school. She's talking about something OTHER than that, and expressing an opinion about a DIFFERENT subset of people. She's actually not talking about the financial situation of people who put themselves through school in at ALL, and if you read the article and attempted to understand her point before spouting off your self-righteous, self-pitying rants, you would know that. You're very impressive for having struggled more than the author. We get it. Can we get back on topic now?

  • Posted By: skinnypizzalover @ 07/24/2008 9:29:03 PM

    I find it interesting that the author admits to having her parents finance her entire college education. For those of us who had to use college loans, work study, and credit cards, it's a different story when we graduate. It would have been nice not to pay an additional $450 per month. And no, my parents never helped me with college. So I think it's time to stop being hypocritical and try this - if you can live in NYC on your own AND pay back your parents every month for the money they spent on your tuition... then I'll listen to what you have to say about this subject.

    • Posted By: c6182 @ 07/24/2008 11:38:34 PM

      Melody is just giving her opinion. She is really arguing why people who can financially support themselves still live off of mommy and daddy. This has nothing to do with her personally. Why do you have to pick her apart? You don't know anything about her. She is a very hardworking person with a lot of drive. What do you not have anything better to do than to sit at your computer and belittle her for having an opinion? Mabe if you put this sort of effort into your everyday life you would be at work furthering your career and not having to ask mommy and daddy for money.

  • Posted By: Tiff88 @ 07/24/2008 4:37:55 PM

    OMG. As I read this thread it sounds like some of you people think that I should feel bad for having nice things and parents who care about me. I'm 25 and I'm not ashamed to say that my parents pay for my education and help out with my rent and living expenses including the occasional shopping spree (lol). So what. You'd do the same thing if you were in my shoes. If your parents truly cared about you they would have found a way to do the same for you. Don't be a hater because your Mom and Dad didn't care enough about your future to plan and support you. That's your parents' job. You shouldn't have to struggle. Don't get me wrong I totally sympathize and understand your frustration and know where you're coming from. I'm in my second year of a predoctoral internship program in clinical psychology. Believe me it's hard work and I don't even get paid! Sometimes it feels like I'm volunteering or something but that's ok with me, it makes me feel like I'm giving back : ) I'm no slacker. I'm a strong believer in positive thinking and feel that your will plays a large part of how your future unfolds. If you think negative thoughts, negative things will come to you. I highly suggest that you read "The Secret". Think action not reaction.

    • Posted By: heether13 @ 07/24/2008 11:10:26 PM

      Actually, it's a parent's responsibility to provide for their children financially until they are 18. And that only requires food, clothing, and shelter. My parents could not afford to financially support after 18. I think it's great when parents help their kids with college, but no matter how much money I have when I have children who are ready to go to college, I will NOT pay for their entire education. They will work in high school and save their money to help pay for college. And once they are in college, they will be either working part-time to pay or taking out loans. Parents should not feel obligated to spend their savings (what they've worked hard for) on their children's educations after they are 18. Parents are going to need their savings for retirement.

      Also, you're 25. You need to pay your own rent. It's what adults do. Until you can do that yourself, you're not an adult. Unless there is some extreme reason why your parents need to help you out financially (ex. expensive medical bills due to a disease), they should not have to. You sound like you EXPECT your parents to pay for things for you. That's pathetic! I hope you're going to be saving up lots of your money to provide for them when they're older.

    • Posted By: aliciac113 @ 07/24/2008 6:57:22 PM

      well. You're certainly a young and naive 25. It's nice that your parents can afford to help you out. But your statement about "if your parents truly cared about you they would have found a way to do the same for you" is a bogus statement and shows a large misunderstanding of the world on your part. My parents cared immensely about my sister and I, we had a wonderful upbringing. Through unfortunate circumstances, however, through no "negative thoughts" from anyone, my father lost everything and was not able to afford college for us. I don't hate those that have been more fortunate, indeed, I am grateful for everything I have and everything I went through. And, it's not your parents "job" to send you to college, despite what you might think. It's their "job" to feed and clothe you, put a roof over your head until you can survive on your own, which this country deems to be 18 years of age. If they can afford to send you to college after that, well bonus for you! You've won the lottery.
      You say your in your second year of clinical psychology. I sincerely hope that some of your "volunteer" work is with people, who, through no fault of their own, "negative thoughts" aside, have endured hardship much more difficult than you ever have.
      Also, I don't think you should feel bad for having nice things and parents who care about you. In contrast, I would feel insanely grateful and appreciative if I were you. You don't seem to understand just how lucky you really are.

  • Posted By: heether13 @ 07/24/2008 10:55:33 PM

    Wow, big deal. I love how she's judging all her friends who are living off their parents when it sounds like her parents have supported her financially until now. I did not have the luxury of growing up in a family who was able to pay for my college education...I did it on my own with scholarships, working and saving, and taking out loans. There are many others out there just like me and some who had it even harder. Her becoming "financially independent" AFTER graduating college isn't much...most people do.

  • Posted By: david1959 @ 07/24/2008 10:30:34 PM

    I enjoy Newsweek because it usually speaks to a middlebrow audience, and that is rare in this age of cultural and political extremes. But Melody Serafino's "My Turn" piece was one of the most off-putting things I've read in the magazine in a long time. Here's this young woman, following 10 years of parentally-subsidized private schools (and apparently with no, or very little, student loan debt?), casting judgment on her similarly advantaged peers who are still living off the parental units? Huh?!

    Guest columns like this one appear when national periodicals indulge the faux-wisdom of privileged young things whose school smarts far outpace the breadth of their life experience and the depth of their social intelligence. This woman clearly has no idea about how hard it can be to make ends meet in a major metro area. Especially at a time when the economy is tanking and so many people are in such dire situations, this piece was a poor use of precious space.

  • Posted By: david1959 @ 07/24/2008 10:30:08 PM

    I enjoy Newsweek because it usually speaks to a middlebrow audience, and that is rare in this age of cultural and political extremes. But Melody Serafino's "My Turn" piece was one of the most off-putting things I've read in the magazine in a long time. Here's this young woman, following 10 years of parentally-subsidized private schools (and apparently with no, or very little, student loan debt?), casting judgment on her similarly advantaged peers who are still living off the parental units? Huh?!

    Guest columns like this one appear when national periodicals indulge the faux-wisdom of privileged young things whose school smarts far outpace the breadth of their life experience and the depth of their social intelligence. This woman clearly has no idea about how hard it can be to make ends meet in a major metro area. Especially at a time when the economy is tanking and so many people are in such dire situations, this piece was a poor use of precious space.

  • Posted By: jane.simpson.wilson @ 07/24/2008 10:28:02 PM

    Durp. This has been New York since Truman Capote and et. al, settled in NYC. Not to mention O. Henry. Where were you educated? Obviously, a Prep School that your parents could afford as much as your rent. Booo-Hoooo. Give me a Break. Make your Chops on our own, or stop complaining like a little girl.

Reply

Report Abuse

Enter comments if any for reporting abuse