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.”
 
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.
Its really funny how these journoscum retards can't connect the dots and have to always tie back minorities self inflicted problems back on to the white man.
 
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.)
lol, so she moved here to drag down property values. Where's dad, or grandpa for that matter?

I'm sure her aspiring rapper will be another good kid ventilated while he turns his life around after falling in with the wrong crowd.
 
Its really funny how these journoscum retards can't connect the dots and have to always tie back minorities self inflicted problems back on to the white man.
It's not that they CAN'T connect it, they WON'T connect it, because then that would mean they would have to face the harsh truth, which goes against their narrative, so they have to spin it on their favorite boogeyman.
 
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.
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?
 
"white families depleted the resources of the suburbs"

Absolute and total bullshit.

What? Like the whites picked all the apples off the trees, and drank up all the water in the well, and then left the barren landscape to the minorities that stayed behind?

No, what happened was that the economic climate shifted, and the whites went elsewhere to greener economic pastures to be productive and prosperous citizens, while the blacks stayed behind and lived in the crumbling ruins of the towns that they didn't contribute to while the whites were there, and don't lift a finger to maintain after the whites are gone.

The whites didn't deplete the resources the blacks were living on, the whites WERE THE RESOURCES the blacks were living on.

The fact that there are no resources available after the whites leave tells you exactly who was the source of the resources in the first place.
 
I live in the suburbs and it's still mostly white. The only thing that has changed is multiple people now live in many of the single family homes. A house meant for a nuclear family of 2 adults and 2 children now has like 4 or 5 adults living in it. Multiple cars in the driveways and there might even be some kids living in the house depending on the situation.

The whole mortgage system in the US is a scam. It's just glorified rent. It takes 20 years to pay off a mortgage if you ever manage to pay it off. With the housing prices these days you most likely will never pay it off. Then you have the issue of managing to keep your job long enough to pay it off which is becoming increasingly unlikely. Most people have to go look for another job every 5-7 years or so. This often comes with decreases in pay and position. Calling people home owners is also really stupid and part of the scam. You don't really own your home till you pay it off and you get the deed for the property in your hands. You have to completely pay off the loan from the bank to own your home. Till then you don't really own it. The bank that gave you the loan owns your home. You are just renting it from the bank with interest.

The other major financial issue that comes with "owning" a home is maintenance. "Owning" a home is not cheap. You have to maintain the property you "own". Over time the cost of this maintenance has gone up. It's not going to get any cheaper either even with all the illegal beaner labor these companies use. A new roof put on by a team of beaners is still a little less than $10,000. The only people benefiting from the illegal labor are the Boomers that own and run the companies. They are still charging you for a roof that was installed by white men.

You could always do what the Boomers do. Live in the house while it falls down around you because you can't afford to keep it up. I see a lot of that. The house flipping faggots are just licking their lips like wolves at all the run down Boomer shacks the Millennials are going to inherit. Poor broke Millennials that won't be able to pay for the upkeep either.

You most likely will never live in the home without ever having to pay someone money to live there. So, you managed to live long enough and keep a well paying job long enough to finally pay off your mortgage. You have the deed in your hand that says you officially own the house. Now you have to pay the lord (government) yearly taxes for the right to live on the lord's land. This wouldn't be so bad but some of property taxes are thousands of dollars a year. Sure, it's better than rent but it's still ridiculous. Then you are back where you started with the mortgage. If you don't pay this yearly tax the government will seize the property you supposedly own and auction it off for the taxes.

It's a big fucking scam.
 
This is one of those things that such a tangle of correlation vs. causation.

I have family throughout the Central Valley, and the way I see it is this:

1. Developer builds shiny new community full of starter homes.

2. Upwardly mobile young couples move in!

3. 15 years later, a house that worked great for a young couple with little kids are a bit tight for a middle-aged couple with teenagers, so the original families leave the old neighborhood and upgrade to a bigger house.

4. They have two choices of what to do with the old house: they can sell it or rent it.

5. If they sell, they don't want to deal with restoring the now worn house to its as-built condition, so they sell to people looking for a bargain. Those people looking for a bargain are often people making the transition from renting to homeownership, but they don't have the cash on hand to do a full restoration, so the neighborhood gets increasingly shabby.

6. If they rent, then they definitely don't have to worry about keeping everything looking great because the house at this point is basically a parking place for the owner's assets.

7. Right around the 30-year mark, the neighborhood is definitely showing its age. The original residents are all gone, and the people who are left are people who are basically stuck there. Old people, single moms, immigrants, people with various tugboats. No money for schools, no money for the kind of policing that rich people expect, keeping a nice facade on the house loses out to building a chain-link fence around the front yard for 15 shitbulls, the neighbors are dealing or manufacturing drugs and nobody wants to get involved.

You can tell this story without invoking race once.

The 'hood my aunt lives in has gone through a few cycles of being scary, gentrifying, being scary, etc., and her neighborhood is lily white.

It seems like the author of the book is racializing something that's more socioeconomic.
 
In 1951, when a Black family moved in, a mob entered their apartment, tore it up, and pushed a piano out a window.
A country so racist you have to go back nearly a century for stuff to seethe about.

Now do an article about how many times just this year whites, asians, hell really anyone who isn’t a nigger, have been victimized just for being in the wrong place at the wrong time.
 
You most likely will never live in the home without ever having to pay someone money to live there.
This kinda sums up your disconnect. You will never live in that home without enjoying public services like police, fire and ems that cost money. Part of being a net contributor is paying taxes. This is why only property owners were allowed to vote initially.
 
Suburbs don't have "resources" innately. They only have whatever the people living there bring or create. And they only exist so long as the people who live there keep creating them, principally by putting money into the local government and the local economy, by paying taxes and engaging in commerce, respectively.
Your suburb didn't have a community gold mine and oil field? Man you got ripped
 
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.
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.
 
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