Friday, January 9, 2009

Just some things I've been pondering...

Recently I’ve had the opportunity to get back in touch with people I haven’t heard from in years (a long-winded way of saying I’ve joined Facebook) and often old classmates are amazed and excited to hear I live in Italy, imaging scrawny little Michelle from 7th-grade English class today sipping espressos leisurely in sunny piazzas and buying lots of designer shoes on via Montenapoleone. Readers of this blog will know that’s not what my life is about. Don’t worry - this is not a rant or a whinge session. I promise.

All of this has got me to thinking about one of the questions I hear most often from friends back home, which is, “If Italian salaries are so low, why are Italians so well dressed and how can they afford to have nice cars and go out to restaurants?” This is especially true in Milan – Milan (the center, that is) feels very rich. And you see people driving and parking incredibly expensive cars in narrow cobblestoned streets that are not expensive-car friendly. I am no economist but I have formulated a theory as to how Italians can live so relatively well on so little.

The simplified explanation is that relative economic wellbeing in Italy is thanks to the famiglia. Let’s take a sample family that I think is reprsentative of many of the families I know here: A newly married couple in post-WWII Italy inherited a small apartment in Milan from a grandmother who died. They had two children, a boy and a girl. Over the years the couple saved and saved their modest incomes (and didn’t have a mortgage as they had inherited their apartment), putting aside money for seaside vacations every year and even buying a small apartment in the same building as an investment. The children lived at home until marriage. When the daughter got married, she was given as a wedding gift the small investment apartment and she moved into that with her husband. When the son got married, he too was “sistemato” (this means being set up, usually with a home or a job) by his new wife’s family with an apartment. The daughter and the son lived as modestly as their parents in small apartments with their respective families, saving their money and only buying the things they had money for and never using credit. They dressed well, ate well and vacationed each year as this was the Italian way but they didn’t have a lot of superfluous material “things” in their lives weighing them down. Like their parents, they had received their furnishings as wedding gifts and they never felt the need to buy anything new. The daughter and the son went on to have children and this would be the generation of twentysomethings and thirtysomethings today in Italy.

The lives of this generation are different in that though they too may be “sistemati” with inherited apartments, the job-for-life mentality of their parents’ and grandparents’ generation no longer exists and the work situation is much more precarious. Nonetheless, push still has not come to shove in that while “young people” (28-year-olds are still referred to as “giovani” here) earn very little, they are able to use that as their disposable income because their basic needs are covered since they either still live at home or don’t have rent expenses. They know where their next meal is coming from – mamma – and they are fine with that.

In the U.S. we tend to leave home young, move to a different city and set up our own “household,” which is an expensive undertaking. All of those pots, pans, extension cords and fans add up. Living in a divey apartment with several friends, existing on noodles with MSG-laden flavor packets and just trying to scrape by is a rite of passage (or it was when I finished high school). The idea was that you left home and lived well below the means of your parents as you were just starting out and it was time for you to prove whether you could “sink or swim.” There wasn’t the idea that you left home when you were already “set up.” Your fate was based on the economy at large, not necessarily on how much money your parents had in the bank (granted, many young Americans do rely on their parents financially but others can’t or are too proud because they want to “do it on their own.”)

I see the merits of both ways, and I am not advocating one and slamming the other. The Italian way is definitely less wasteful – Italians typically take up only the space they need, buy the things they need (with some designer extravagances, of course) and stay local. But it can also be stifling. You are born and die in the same town or city, often moving only within the same building. Your circle of friends include those you’ve known since childhood. You find a job not necessarily in the field that most interests you but in what is available in your birth city. If that means working in a factory when you’ve got a law degree, so be it. The American way is more “exciting” (at least for me) but if I think of all of the crap I accumulated and threw away in 20+ moves over the years, it was not all that practical economically or environmentally speaking. I met a lot of interesting people, had amazing experiences and tried to make the most of career opportunities. But I was also away from my family and some of my closest friends for all of those years. Again, pros and cons.

Recently an Italian friend asked me if Cristiano and I were thinking of having other kids but then she stopped herself in mid-sentence and said "Well, probably not. I mean, you've only got one family here and not two to help you out..." The idea was that we could only have two children if we had both families here to help us since Italian society (with its lack of affordable daycare options and services for children) doesn't do you any favors. Perhaps if my in-laws had given us an apartment (they didn't but they are incredibly generous people with what they have) and my mother was here buying my groceries and cooking my meals, I'd be on via Montenapoleone buying designer shoes.

I’m going a bit off course but getting back to the economic aspect, I think in Italy, it is the family that serves as a buffer from whatever problems are going on in the global economy. That has worked for the previous generations but I’m not sure how long it is going to work for this or future generations.

16 comments:

Emmina said...

I completely agree. Example: Our 23year-old plumber (who has become a bit of a regular visitor thanks to a lousy heating system!) turns up every time in his Audi A3, dressed head to toe in designer labels, whilst we "30-something professionals" pay the rent, the condominium fees, the monthly car payments, gas, electricity, petrol and food... then see what's left! Said plumber lives at home, and the Audi is "shared" with his dad. It's not that we do badly or get no help whatsoever from our families (anzi, they do a lot) but it demonstrates the point pretty well...

Caro said...

I've noticed this time and time again. Almost all of my Italian friends live in apartments handed over by their parents. It makes sense from a financial point of view: so a lifetime of savings amounts to more than a lifetime of paying a mortgage because there are no hefty interest payments. The downside is that it doesn't exactly foster a spirit of independence - people expect to have things handed to them.

nyc/caribbean ragazza said...

Excellent post. This is something I think about a lot since I'm stuck in the middle. I have the worst of both worlds. My family isn't here and I'm not "making paper" like my American or Italian counterparts. ha

95% of my family in the Caribbean live in houses that were passed down including the cousins from my generation. Mortgages are rare.

I think in America we do (or did before this economic crisis) put a lot of faith in the idea that hard work equals success and the government knows what it's doing. In the Caribbean even on stable islands the family is everything. You can only trust in them. They are a buffer against, corrupt governments and for those who moved to America your family was your buffer against racism.

I found this lack of individualism suffocating growing up. However now that I'm older I can see my parents had a point.

My parents had a completely different mentality about spending money than most of our neighbors. They'd buy a new car only when the old one gave out instead of getting a new BMW every few years, they never bought anything on credit, clothes were mended or taken to the tailor instead of shopping for new clothes all the time, they didn't buy a new house once their income went up.

Now while some of my friend's retired parents struggle with pensions plans being wiped out and all kinds of debt, my parents have no debt and a diversified portfolio. They were all about spend less, save/invest more.

Your point about setting up a household in America is so true. If you are single it's even more expensive because you don't get to sign up for a wedding register.

I guess in a perfect world there would be a middle ground. I'm very independent but there is something to be said for not having to worry about literally having a roof over your head esp. when you work in an unstable field.

Courtney said...

Really great post. I have noticed and thought about this too as I start my family here in Italy with an Italian man. We are in our mid 30's, most of our un-married friends live with their parents. We are living in an apartment on my fiancee's grandparent's property, everyone I know who lives away from their parents lives in a home that belongs to the family- no rent, no mortgage.
My fiancee cannot understand why people would buy cars on a payment plan or hold credit card- if you can't afford it you shouldn't buy it. Everything we buy we think about long and hard- the financial aspect, the environmental impact (the object itself, how it was made and if it is electric how much energy it will use). I once threw out leftovers that sat out overnight after a party and was given a stern talking to about wasting food or for that matter anything. I think that families play a huge part in it, but as you touched on the Italians generally have a less wasteful attitude. However, as you also mentioned, they are not afraid of luxury purchases. I find that these luxury purchases too are thought out and taken well care of. I see many fine items (clothing, shoes, jewelry) among our family and friends but I see the same items worn over and over again and being taken care of.

Giovanna said...

Thought provoking...but you only told part of the story...
In that woebegone arse-end of Italy where kids don't have the option of living with Mamma- where they are forced to move north for university -if they have the belief in themselves, the encouragement and their family has the means for them to eke it out in some mouldy posto letto for six years- to a place where they have no connections and a second class status.
My boyfriend from Calabria on looking for a pathetic camera singola in Bologna had the door slammed in his face or the other end of the phone promptly hung up when his origins were revealed.
That's the Mezzogiorno- it's in Italy too.

Kataroma said...

Good anaysis. But the problem is that (as Giovanna points out) many Italians don't inherit apartments from grandma these days. And not just southerners - also here in Rome I know many people who are paying their own rent and/or even financially supporting their own parents or other family members. Most of our friends in this situation have started their own businesses (mostly B&Bs like us) because that's the only way to make any money at all here. I'm sure many of them would have loved to go to university or gone into a profession but in Italy you only have the luxury of doing these things if your parents can support you since there are no student loans or stipends and professionals are expected to work for free for many years.

Looking at the broader Italian scene, I think it's the country's great loss that so many young, bright working class or lower middle class people can't afford to go to university or get into certain professions. And the professions are clogged up with the sons and daughters of doctors/lawyers/natai/architects etc. who have gone into these professions not because they love the work but because they can easily be 'sistemato' by their parents in these fields.

I agree that leaving home at 18 as in the US is too extreme though. In Australia most of my friends lived at home during university and then left (and became financially independent) when they got their first real jobs at 21-23 years old or so.

Chia of Bologna said...

I am confident we'll do it. I feel the family is a terrific buffer as you said it. I live in the home his parents gave to Gabriele, but I'm in a mortgage to buy my apartment, too. This of course now is getting a deeper meaning. I am doing it for Fagiolino on the way. Of course, if Fagiolino will be happy to travel all over Europ and work say, to UK, I'll be more than happy to let him go. But he will have a little home saved for him by his mother if he wants, to sell or to live into when older. This is the Italian way, and I feel very proud for it.
Chia

J.Doe said...

Good post, but as many commenters have said many times the parents have no property to hand down to their kids and the 'kids' in their 30s and 40s barely have enough money to survive.

Cath said...

Hi - you basically described our situation. We have our flat because my parents-in-law bought a flat years ago for my husband which he then sold so that we could get a bigger one - although the "bigger" one is actually quite small, nobody in his family can understand why we need so much space.

When I was single and living with friends in Italy, no Italian friends could believe that I didn't have a car - I couldn't afford one.

Chia of Bologna said...

J. Doe
I'm 37 and I have perfectly the money I need to survive. AND pay my loan. Of course, I can't afford to live like Aga Khan. Or even like my boss.
But I made it on my own, and NOT at 40.
Italy is a very complex matter to approach. Difficult to even scratch its surface.
Chiara

Giovanna said...

Have you ever been south and seen the for the most part unfinished concrete edifices scarring the landscape?

With the death of my father in law,we just "inherited" one floor of a finished concrete villa; 4 bedrooms, 2 bathrooms, 3 balconies and perfectly habitable.
Doing his duty,bowing slavishly to convention, or wishing to display his success as a Gastarbeiter in Germany, my husband's Calabrian father added a second and third floor for his kids.

Ironically,it's a dead asset we can use 3 weeks a year at best, and a financial drain at worst.
We considered moving there but with the bitter acknowledgement of the day we would wave our son off at the station "forever" when the time came to make his way in the world.

You see, ownership can be a burden!

Michellanea said...
This comment has been removed by the author.
Michellanea said...

Hi everyone,
Thanks for the comments. I just wanted to mention that I didn't mean for this post to be a north-south thing. I have spent time in the south and have many friends here in Milan from the south (I know it's hard when they move up here for university or for work, know nobody and have to do it all on their own). I wasn't saying EVERYONE gets an apartment from their parents (uh, we didn't...). That's certainly not the case. As for what I wrote, I was only commenting on what I see here in Milan. This is where I live so I can only "report" what I see firsthand.

Also this was a very sweeping overview of the situation from my perspective. There are a lot of little nuances that I didn't cover. I have changed my perspective on getting "help" quite a bit since I moved here almost nine years ago. It'd be great if there were some happy medium between the extreme harsh American way and the extreme co-dependent Italian way (note I said EXTREME - not all cases are like this).

I am so thankful to have the help I have now that I have a child. I've been humbled by it. I don't know what I'd do without it

Anonymous said...

Well written and informative post. I think it should be posted where more readers can get access to it. Especially, during these trying times. I couldn't have done a better job describing the two different and extreme ways. I've lived both coming from the South of Italy (which has really nothing to do with the message that you intended)and a new life in America.
I do get tired of all the comments I hear about Italian's home life.
I also have to admit, I have the survival's skills that I learned from my parents, but will I be able to pass them on to my future generations?

Megan in Liguria said...

You nailed it! Your sentiments are exactly what I have tried to explain to so many people. Having moved here from the US after having an "adult" life there, the mentality (and convenience, if you will) of the Italian life proved one of my biggest challenges in the beginning. 5 years into it, I am learning to accept it, at least to an extent. But it doesn't stop me from worrying about how we will our child(ren) in this society. IMO, something's got to change. Great post!

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