THE SUBURBS HAVE BECOME A PONZI SCHEME - A new book looks at how white families depleted the resources of the suburbs and left more recent Black and Latino residents “holding the bag.”


Nearly 25 years ago, I reported on the changing demographics of Cicero, a working-class suburb just west of Chicago. For years, the town, which was made up mostly of Italian and Eastern European American families, worked hard at keeping Black people from settling there. In 1951, when a Black family moved in, a mob entered their apartment, tore it up, and pushed a piano out a window. Police watched and did nothing. The governor had to call out the National Guard. By 2000, the nearby factories, which were the economic foundation of the community, had begun to close. White families moved out and left behind a distressed, struggling town to its new residents—Latinos, who now made up three-quarters of the population. It felt wrong. It felt like the white families got to enjoy the prosperity of the place, and then left it to these newcomers to figure out how to repair aging infrastructure and make up for the lost tax revenues.
After reading Benjamin Herold’s Disillusioned, I now realize I was witnessing something much larger: the steady unraveling of America’s suburbs. Herold, an education journalist, set out to understand why “thousands of families of color had come to suburbia in search of their own American dreams, only to discover they’d been left holding the bag.” In this richly reported book, he follows five families that sought comfort and promise in America’s suburbs over these past couple of decades, outside Chicago, Atlanta, Dallas, Los Angeles, and Pittsburgh. In each of these communities, Herold zeroes in on the schools, in large part because education captures the essence of what attracted these families: the prospect of something better for their kids.
The racial and economic fissures in our cities have gotten much attention, but less has been written about how these same fault lines have manifested themselves in the suburbs. This is surprising because the suburbs serve as such a deeply powerful symbol for American aspiration. A house. Good schools. Safe streets. Plentiful services. Consider that from 1950 to 2020, the populations of the nation’s suburbs grew from roughly 37 million to 170 million, which Herold writes represents “one of the most sweeping reorganizations of people, space, and money in the country’s history.”

The suburbs have become such a strong emblem for the American dream that in the 2020 presidential election, Donald Trump used their decline as a bludgeon against the Democrats to suggest that that dream was withering. “They fought all their lives to be there,” he declared about suburbanites. “And then all of sudden something happened that changed their life.” He posted on Twitter, “If I don’t win, America’s Suburbs will be OVERRUN with Low Income Projects, Anarchists, Agitators Looters, and, of course ‘Friendly Protestors.’” I can’t fully decipher Trump’s rant, but suffice it to say he knew that people feared the fall of America’s great experiment in community, and he played off white families’ fear that their communities would be “overrun” with residents who didn’t look like them. In the granular details of the lives of the five families Herold chronicles, it’s clear that Trump had it only partially right. The suburbs—especially the inner-ring suburbs, those closest to the urban centers—have been in collapse, but the people affected, mostly Black and brown families, are not necessarily the constituency Trump had in mind.
Herold opens his book by visiting his hometown, a Pittsburgh suburb called Penn Hills. In many ways, the story of this particular suburb captures it all. When Herold’s family moved here in 1976, the average home price in 2020 dollars was $148,000. Now it’s $95,000. Herold knocks on a door just down the street from where he grew up, and there meets Bethany Smith, who has recently purchased the house with her mom. She’s single and Black and undaunted, raising a son, Jackson, for whom she wants the absolute best, which means finding a well-resourced, nurturing school and buying a home, an investment that will serve as a foundation to building wealth. (She’s also gotten priced out of her gentrifying neighborhood in Pittsburgh.)

But Bethany has walked into a mess of a town. Signs of wear and tear are everywhere: most notably, a collapsing sewer system and a school district that is $9 million in debt. According to Herold, the town didn’t invest in infrastructure improvements, kicking any needed repairs down the road. Financial mismanagement is everywhere. Enrollment in the schools has steeply declined. White families like Herold’s have moved out; Black families have moved in. It’s a pattern, Herold writes, repeated in suburb after suburb. It’s what I witnessed in Cicero with Latino families. Herold poses the question that drives his reporting: “How are the abundant opportunities my family extracted from Penn Hills a generation earlier linked to the cratering fortunes of the families who live there now?”

We have, Herold suggests, been looking directly at this problem—and either haven’t acknowledged what’s occurring or, worse yet, don’t care. He points to Ferguson, Missouri, an inner-ring suburb just outside St. Louis, where in the summer of 2014 a white police officer shot and killed Michael Brown, a Black teen. In the news coverage that followed, people were shocked to learn that more than 20 percent of the town’s operating revenue came from fees, fines, and court summons collected from the town’s mostly Black residents, a result of aggressive policing. This was because Ferguson had gone the way of so many inner-ring suburbs.
At the peak of its prosperity, in the 1960s and ’70s, the town was 99 percent white, and local leaders borrowed large sums of money and took state and federal subsidies to quickly build its infrastructure. (Herold points out that many of our suburbs were built with endowed money, either government-constructed infrastructure such as expressways or cheap mortgages through federal loan guarantees.) To keep taxes low, Ferguson postponed budgeting for long-term maintenance. By 2013, Herold writes, the town was in steep decline, and that year spent $800,000 to pay down the interest on its debt, leaving just $25,000 for rudimentary services such as sidewalk improvement. Hence the need for revenues from unlikely places, including fees, fines, and court summons. White people had left long ago, leaving the new residents—the town was now two-thirds Black—with the waste and debris of their prosperity. “The illusion that suburbia remains somehow separate from America’s problems,” Herold writes, “is no longer viable.”
Charles Marohn, whom Herold describes as “a moderate white conservative from Minnesota,” is the one to lay out Ferguson’s decline to him. According to Herold, Marohn had a hand in building suburbs, but he has since had an awakening. Marohn suggests that what’s happened in places such as Ferguson and Penn Hills is the equivalent of a Ponzi scheme. It’s “the development version of slash-and-burn agriculture,” he tells the author. “We build a place, we use up the resources, and when the returns start diminishing, we move on, leaving a geographic time bomb in our wake!”
This is a sprawling book, which is its virtue and the source of its occasional misfires. Five families are a lot to keep track of. I found myself at times having to flip back in the book to remember the contours of each family and their respective suburb. I wasn’t convinced that Herold needed all these people to make his point. So many of their stories echoed one another, and at times I simply wanted to hear more about the architects of America’s dream, especially those like Marohn who have apparently become disillusioned with their grand vision. I so wanted to know more about Marohn. Who is he exactly? How did he help build America’s suburbs? I wonder if this isn’t a missed opportunity, given that Marohn is helping Herold make sense of what he’s witnessing.
Despite its imperfections, though, Disillusioned is an astonishingly important work. We know what’s happened and happening in our cities. Finally, here’s someone to take us to the places that early on served as an escape valve, mostly for white families fleeing the changing demographics of urban America, the places where many Americans imagined a kind of social and economic utopia.

At one point Bethany tells the author that she worries he’s pigeonholed her, that she isn’t a victim, that she is more—far more—than just a struggling single Black mom. To his credit, he doesn’t walk away but instead reflects on how he may have failed her. After some consideration, he offers to let her write the epilogue to the book, and in those few sharply written pages we have a clear-eyed take on what has occurred in a place like Penn Hills coupled with a passionate plea for what could be.
“We want to build good lives for ourselves,” Bethany Smith writes. “We want to raise our children in safe environments. We want to have them in schools where they are being taught and governed by folks who have their best interest at heart. We want the same deal that the suburbs gave white families like Ben’s. This time, though, we want it to last.”
 
The author has it backwards. Whites leaving some suburbs because they were mismanaged gives non-whites an opportunity at home ownership. If the people buying in the white-fleeing suburbs could buy somewhere better they would. But buying in a shithole suburb must seem better than whatever their living situation was before.
Aren't there special government loans for "fair housing"?

I've heard it helps to get some of these non-whites into good neighborhoods which then helps turn them to shit.

So they weren't bad neighborhoods these people moved into, it's more that they're likely scaring the good people off.

It only takes a few scares for some nice white family to want to get out of an area. Whether it's because of a break-in or just someone in the area seeming a bit dangerous, it makes those people with higher standards want the hell out.

The idea that this is all from mismanagement seems far fetched to me.
 
There are 'equitable housing' sections near wealthy areas these days assuming they don't protest and shut the project down. If you are talking about the past, you'll get an earful about redlining. I have driven by these modern projects many times, crime is typically higher in these areas and generally the neighborhood is in disrepair and has garbage on the balcony. They lack the aspiration to be something better, or if they do, expect someone else to do the hard work.
Interestingly, there is a Vietnam immigrant community that has good chunks of land in the crappy part of town. Somehow their stores are always clean and the people are friendly despite it being run down. In fact they are seeing their housing prices go up. Wonder why.
 
This is the only interesting thing in the article. I've never heard the idea that suburban towns are drowning in debt that was generated generations ago.

The article keeps bringing up factories, and why the lack of them is the root cause of the economic decline of these suburbs. But then it tip toes around it and blames it on whites as if they disassembled the factories over night then forced minorities to buy their houses.
Check out the fuckcara/urbanism thread. It's one of their founding myths, although the most counfounding one is induced demand...only for some things. Quite bizarre, really.
 
It felt like the white families got to enjoy the prosperity of the place, and then left it to these newcomers to figure out how to repair aging infrastructure and make up for the lost tax revenues.
If you have a one to one replacement, than you shouldn't have to worry about lost taxes... Unless you are saying niggers and spics don't pay their fair share, and that would be racist...
 
The guy who beat the shit out of a Paki convenience store clerk, stole a bunch of crap, assaulted a police officer who shot him in self-defense? That Michael Brown?
Every day, I'm reminded that the Clown World Regime is built on a mountain of lies agreed upon. "Hands up, don't shoot", being proven a bald-faced lie that the city burned for was one of my earliest redpills.
white people leave towns, somehow it's their fault for not making the lives of minority groups amazing.

Just pay taxes, don't shit up the town, etc.
>Whites move in = white flight = racism
>Whites move out = gentrification = racism
Bethany, dear, you are not entitled to white people, or their taxes, or their safe neighborhoods, or their orderly high-performing schools, especially when you shame these aspects of white culture, while at the same time wanting to benefit from that culture.

You could learn a thing or two from whitey. You won't, but you could.
Like crabs in a bucket. In the name of "equity", we all have to suffer and be miserable.
 
Aren't there special government loans for "fair housing"?
Community Reinvestment Act is a major one, as it is effectively a federal gun against the banks to make them give loans to people not qualify for them and/or unlikely to pay them back. Something Carter had passed in his administration, later Clinton and Obama in his community organizer days weaponized and sue any and every bank and credit union refusing to serve the "underprivileged" loans. Which is the catalyst to the eventual 2008 crash.
 
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Fuck your ad, atlantic.
The suburbs have become such a strong emblem for the American dream that in the 2020 presidential election, Donald Trump used their decline as a bludgeon against the Democrats to suggest that that dream was withering. “They fought all their lives to be there,” he declared about suburbanites. “And then all of sudden something happened that changed their life.” He posted on Twitter, “If I don’t win, America’s Suburbs will be OVERRUN with Low Income Projects, Anarchists, Agitators Looters, and, of course ‘Friendly Protestors.’” I can’t fully decipher Trump’s rant, but suffice it to say he knew that people feared the fall of America’s great experiment in community, and he played off white families’ fear that their communities would be “overrun” with residents who didn’t look like them.
Since the 90's the left has been attacking suburbs. Whether it was state agencies forcing local government to ignore a massive influx of illegals or legislating that for every so many new homes built a set amount must be low income housing somewhere. This led to entire towns being destroyed by having developers dump all the low income housing in one town.

It also has nothing to do with looking like them. It is because the culture that they import is a negative. I would rather have educated asians, hispanics, or even blacks than some Appalachian rednecks who are going to be meth'd out 24/7 move in near me.

These fucking race grifters are so full of shit and are still spewing lies that people like Thomas Sowell debunked ages ago.
 
@KiwiFuzz2

He's right. The town I grew up in went through something like this.

30+ years ago the southwest side of town was newisher, me and my friends lived on the East side of town and yeah there was alot of mexicans. Honestly I dont get why people dont like mexicans.

So in high school I noticed the white guy at my school liked to date white girls from the south west side of town, the kid whose parents divorced had his mom go live on the southwest side of town.

I used to work with land lords and can go over the life span of house.

House is new neighborhood is new young people buy start families the kids go to school and at the 20 year mark. the oldest kids leave for college.

The things in a house have a life span the parents decided to upsize/down size get divorced what ever their is equity in the house.

It gets sold to the next wave of people coming into the neighboor hood and the key question is will these people put the money into the house.

a good example would be roofs wood shake roofs are a god damn fire hazard. Also comp roofs have a life span and it can be as short as 10 years to as long as 30. The sad part is roof labor is the same so cheaping out the material is not really the best save you could have.

So now the south west side of town has a run down strip malls shake roofs in bad shape and yeah more black kids at the jr high than it should.

Now the place to be is the northwest side of town, which back in my day was a "semi rual" place.

Oh was the house built with coper pipes because yeah tweakers are gonna strip it, or even worse 20+ plus years of high chlorine in the water make hot spots, I had to repipe a 40 year old house a few years ago because of that, (the place down the street was rather good because the owner had a water softener)

Water heaters are fucking 1000 dollars now, and alot of new construction uses tankless, how many people are gonna do the yearly flushing? is it a rental because god help you when you have a trashed tankless water heater.

Now for the dose of A&N racism.

The summer of love I kept hearing about how white people genociding colored people.

If white people are such fucking nazi's why do black want to live with them? Isnt it dangerous? shouldnt they be in their own communities where they will be safe?

The answer is because black culture is fucking toxic I say this as a teacher thats had to work with black students.
 
Community Reinvestment Act is a major one, as it is effectively a federal gun against the banks to make them give loans to people not qualify for them and/or unlikely to pay them back. Something Carter had passed in his administration, later Clinton and Obama in his community organizer days weaponized and sue any and every bank and credit union refusing to serve the "underprivileged" loans. Which is the catalyst to the eventual 2008 crash.

Sorry for the double post but I have to speak to this.

The Catalyst had nothing to do with a bill from the carter administration 25 YEARS later bankers leanders/borrowers etc were not forced to be retarded.

To put in A&N speak the wall street kiks kept making securities out of shitty loans.

Or to put another way a lending company would make a loan not based on the needs of the barrower, but on what they could flip to a bank, the bank would then flip the loans, to a wall street bank, that would then bundle the loans into a mortage back security and sell to teacher pension funds in norway.

The wall street jews need more and more loans to make more and more MBS, this demand helped fuel the 2007/8 property bubble and crisis not telling a local bank to loan to people wanting to buy in certain parts of a town
 
Community Reinvestment Act is a major one, as it is effectively a federal gun against the banks to make them give loans to people not qualify for them and/or unlikely to pay them back. Something Carter had passed in his administration, later Clinton and Obama in his community organizer days weaponized and sue any and every bank and credit union refusing to serve the "underprivileged" loans. Which is the catalyst to the eventual 2008 crash.
That wasn't the Community Reinvestment Act (which bans "redlining", in which a bank declares entire neighborhoods no-lend zones).

CRA and Equal Credit Opportunity Act basically say that you have to have a good reason to turn someone down for a loan (i.e. bad credit), and document your turndowns. It doesn't mean the bank is required to give loans to everyone who asks.

Rather, the 2008 crash was caused by the passage of the Gramm-Leach-Bliley Act in 1999 (which, among other things, blurred the lines between commercial and investment banks), and the introduction of subprime mortgages, which granted mortgages to borrowers with bad credit at a higher interest rate to compensate for the risk.

The problem is that those subprime mortgages also had adjustable rates, and when interest rates go up, people start defaulting. And a lot of people had them.
 
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Oh look. Its a miniature version of what happened when Mugabe took over Rhodesia and forced the whites off. Breadbasket of Africa before, Basketcase of Africa now!

The fate of Rhodesia is ultimately the future of the West.
It's the whole "magic dirt" these people believe in always amazes me. Like its all the land that matters and is what causes the people that live there to thrive.

It's never the land! Hell white people are making South Africa livable after the blacks destroyed the first world country they were handed in the 90s.
 
It's the whole "magic dirt" these people believe in always amazes me. Like its all the land that matters and is what causes the people that live there to thrive.

It's never the land! Hell white people are making South Africa livable after the blacks destroyed the first world country they were handed in the 90s.
One of the things that I detest about the Palestinians is that they're literally 5 feet away from the Jews and they can't even "monkey see, monkey do" any of what makes Israel function.

The Jews have used their superior Jew wisdom to form a country that's basically Desert Western Europe with a fascinating combination of capitalism and socialism. And with fewer Muslims lol.

There's nothing stopping the Palestinians from developing thriving kibbutzim on the West Bank, but they'd rather sneed at their neighbor's tricknology instead of putting their backs to the plow.

For a less Jewy example, Utah's got a lot of the same can-do attitude. A slightly different people group would have made it Wyoming with blackjack and hookers, but the Mormons collectively built shit.

If I go too much further thinking about this, I'm going to come to the conclusion that limited socialism within an ethnostate is the way to go. Depressing.
 
Looking up this Marohn guy who supposedly invented suburbs (no you didn't) made me laugh though.

Screenshot 2024-01-29 110746.jpg

Oh jaaah? Home of Paul Bunyan and Babe the Blue Ox. We got that big statue ovar there. Oh jaah? Jaaah.

But yeah the article is just standard Marxist/progressivist bullshit. Except now they're trying to claim people fleeing crime (or other reasons like no jobs) and taking their tax base with them is white supreme pizza. Oh and white people ran up the tab on city/township debts for what exactly?
 
Oh and white people ran up the tab on city/township debts for what exactly?
One might posit that there's an inherent problem with the way small, newer cities are funded, where they take out enormous loans to put in infrastructure and all the shit associated with getting a small city off the ground, then all of a sudden there are middle-aged city problems like upgrading the wastewater plant and there's no plan for funding that shit.

I personally blame the Chinks on the city council for every single pothole between my house and the weed store.
 
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There was a group that studied kids in STL.
They saw that (predominantly white and asian) kids living in certain zip codes did really well in school while (predominantly black and hispanic) kids in other zip codes failed at school.

They ignored the income differences, the fact that the kids in the more expensive zip codes were way more likely to have a 2 parent household.
They ignored everything everything other than the zip codes.

You already know what their solution was.

The proposed that if all the kids in the "bad" zip codes were moved to "good" zip codes they would preform just as the same as the kids that lived in the "good" zip codes.

"Kids, shake off that tragic dirt, Uncle Sugga is going to deliver you to the magic dirt and all your problems will be solved!"

I guess they believe numerology is the cause of all the country's problems
Apparently some number combinations are cursed.
The greedy why-pee-po take all the good zip codes and leave the cursed ones for the blacks.

The Kansas City experiment already has shown school funding makes little difference in the outcome of students.
Even schools that could benefit from more money wont because education has been a pork barrel "get out the vote" program for democrats for years. They refuse to fire the bad teachers and insist paying them more will make them do a better job.

It doesn't.

The public education system is broken and can not be fixed.
 
Except now they're trying to claim people fleeing crime (or other reasons like no jobs) and taking their tax base with them is white supreme pizza.
Strangely enough they didn't call it "Black Flight" when the hispanics ran the blacks "Straight Outta Compton".
They used a different term
Ethnic Cleansing.

Other groups can flee from racial violence and that's OK.
Whites are not allowed to leave or come back.
 
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