Showing posts with label 21st century. Show all posts
Showing posts with label 21st century. Show all posts

Thursday, January 9, 2014

Minimum Wage to Reality: My Financial Education, Pt 1 by Kyle Phoenix



My first job, on the books, was for $4 an hour at Pathmark, in Hartsdale, New York, it was amazing to me because I'd been paid $30 a week for about 30 hours of work at Charles' Friend Chicken as a delivery boy.  Sure I had carfare and a whole lot to learn (how to use the register, memorizing the codes for all fruits and vegetables, the departmental division of items---a supermarket is a hotbed of intellectual effort.)  Then we moved and I was then at $3.35 an hour at Wendy's.  I was so proud and even more so when after a few months I got up to $3.65.  I could just smell $4.00 on the horizon with them.  But then I got pulled back into the game at D'Agostino's supermarket, for $4 an hour, which was right across the street from my high school.  I thought being smart was the operative goal, so when I came up $50 short, I proved how their computer system was in error and that it was the manager's error, not mine.  So they fired me.  But that was okay in the short run, I went to Abraham & Strauss Department store, where I got a whopping $7 an hour PLUS 8% commission on ever sale.  I went back to D'Agostino a few months later, armed with a Mastercard AND a Visa cresdit card (that A&S's employment helped me get)  at 18 and shopped, hard---lobster, steaks, the good stuff and such---to prove a point.  The revenge of a teenager.

There were two jobs in between there and college, I wasn't able to go until I was 21, one at $7 an hour and the other at $5 an hour.  At college---I was punched in the gut back down to $3.35 an hour at several university jobs---and a limitation on how many hours I could work.  I literally had to ball together 5 jobs, 4 on the books, and one side hustle to create a decent monthly income to pay my way through school.  But I made it happen.  One year I calculated that I had survived on $3000 for an entire year.  Today, I tend to believe that's what workers in India and China are making, if not less.

After undergrad, my first temp job was $7.25 an hour, then $10.25, then $14---these jumps happening from assignment to assignment across three cities in about 5 months.  Then I landed my first "real" full time corporate job, with overtime it came out to about $46k a year plus benefits.  I was able to get a huge apartment and even when that job ended, I was much more centered in my skills and ability to command a higher salary.  For about 5 years I kept up the increases, averaging out, mastering how to control my spending and taxes until I hit a personal high of around $80k essentially from just temping.  All of that took about 5 years from the $7.25 at a pharmaceutical company in the mountains of nowhere right after college to edging into the six figures in a handful of years.


Since and during  then I've gone back to school several times, learned a lot, incurred some more debt, started a prosperous business, shutdown that business, started another one and gone into the non-profit world, left the non-profit world, gone back to school, gone into education and arrived at the point of traveling a lot around the country, and soon the world, in this hybrid educational career.

Backtracking to minimum wage, I've earned every wage and expect that as I slowly build a sustainable business yet again, it's going to jump back and forth a few more times.  I was just offered a job in 2013 paying exactly $80k a year but it's on the other side of the country---which would mean abandoning my current schooling and not being along the corridor of travel of home, school, family that I have going over several states.  Everyone around me, the headhunters, my family, my friends---they were all tempted, asking about the multiple interviews, about my plans my interest.  I was sort of...meh...about the whole thing.  And even I was struck by my lack of wholehearted interest and frankly, hunger for it that I remember having a handful of years ago or way back to when I left undergrad.  I would've killed a few puppies for that job and been there 23 hours a day, my first job, the $46k one?---I used to clock about 18 to 20 hours a day there and I was commuting from 100 miles away.

My favorite job, insanely enough went back to my undergrad days and temporarily repeated itself: security.  I worked for Public Safety during my undergrad years and someone suggested it and I pursued it.  I'd been walking wherever I wander late nights in Manhattan and noticed a parking lot with a security attendant in it on his laptop.  It must've been about 2am and it suddenly struck me that I could do that!  That I had done that!  That I could get amazingly prodigious amounts of work done.  It took about a month or so before I was sitting in an empty lobby writing to my hearts content.  It was amazing.  I wrote about 6 books, edited them, did law school classes, was refreshed and aware in class (I'm a night owl) and as long as the check covered basic expenses, I was happy.  It was with varying costs and sundries under $10 an hour.

But here's how I looked at it.  And how strangely I look at a lot of work.  For the 8 hours plus 2 hours travel, I got say $80.  I was responsible for watching a few hundred people sign in or out, the numbers lessening when I was on my preferred later shifts.  I generally bought or brought a nice dinner, about $10, my IPod dockable radio, a few books, several notebooks, and a binder of classwork.  Maybe 2 hours was spent acting as security, I didn't have to patrol, just make notations every hour.  Honestly I really didn't do much.  For them.  They literally paid me an extra $50 a night to write my books, to build my business, to study law.  I was good at it because naturally I'm a night owl so they never had to worry about my dozing off---which seemed to be 90% of the issue with most everyone else.

Now for myself, I created several royalty bearing items while I was sitting there, started generating money.  Which meant that $10 an hour some nights was really $30 or $40 as sales were popping up and happening all over the world.  I was able to focus one semester on wholly being a student, taking a break from teaching, and ironically, as a night owl, I would've been awake those hours anyway and probably less productive.  By less productive I mean that for me, personally, I've noticed that work, no matter what it is, as long as it doesn't require too much of me, acts as sort of "nap" from my other thinking and writing and business stuff.  I'm often able to be pleasant and present and disconnected from all the things employees gripe about, both real and unreal, because I'm not in it.


 I started out this blog posting thinking I would take to task the American financial system and explain how the three states of the individual in and to Capitalism (Product (think: slave), Consumer, and Creator (Owner/Entrepreneurs) was underrepresented in a firm understanding due to a lack of financial education overall to the American populace.  I was then going to to rail a little as to how an Owner is forced to choose between their own aspirations and familial responsibilities and the payroll and operating expenses of a business in competition to competitors and the convoluted, equally fair and unfair taxation system.  I was then going to, as an educator, lash into the overall lack of available education to workers to improve their skill levels to increase their value from a physical ratio of 1:1 (one person puts out essentially one point of physical energy) and that not being taught, that ratio, and therefore how to increase the ratio, workers are doomed to thinking what they do is all they can do.  I really was going to go at that.

But I thought I should look at minimum wage in my own work history.  And maybe pull some insights from that as to how I, brown as the floor, have managed.

I was talking to a friend/fellow instructor at Columbia about the American economic system---you know---a light chat----and he was really upset about his current job position.  In my observing opinion and professional estimation, he's a very good teacher.  I actively encouraged and gave him some recommendations for other positions, if he wasn't interested in the laborious task of climbing the university food chain to full professor.  He went on and on about co-workers and bosses and environments at his consulting position.  The consulting position offering health care and other benefits into his contract so it offsets the minimal stuff he's eligible for at the university.  He was just upset.

Listening I realized, I've been an Employee.  And I've been paid every wage.  I personally liked temping and even more, consulting because it allowed me to learn from every place I was at, always my number one priority, and it gave diversity to the places I was at---so I've never sat at any one place for longer that 2 years doing the same thing.  It infused a dynamism to work for me.  I realized also that having my side entrepreneurial enterprises, some years bringing in a few thousand, others up to $50,000 a year, while working full time, have always given me a space to be mentally about work.  I can literally take it or leave it.  I'm there to learn but I've never expected a job to save me, hold me, support me, be there for me, like me, be fair to me.

In fact, I count the Public Safety jobs that gave me time to think, ponder, write, create as pound for pound, the most useful.  Similar to Einstein at the patent office.  Luckily I had read several biographies on Einstein so I knew the importance of time to think, to create (He sussed out the theory of relativity working for 7 years at a Swiss patent office and said he loved it because the low level work gave him time to ponder theoretical physics all day long and not be tied into teaching, working, constantly satisfying an employer about physics).

The current employment system, girded initially by the lack of financial education suggests to employees a care taking that isn't ever stable or assured.  Or bluntly, true.  Your job doesn't love you and your manager will toss you over and replace you, I calculate, in the amount of time comparable to a day to the dollar of your hourly wage.   I realized in talking to my friend, how much of an entrepreneurial mindset I had.  I personally look at jobs like a 7-11 Store---oh good, it's open for that immediate need but I'm really focused on the supermarket, on a big shop elsewhere.  But as an educator, I've worked hard to teach my students, mainly adults now, quite a few Black, Latino and Asian, that the 21st century means that paradigm of being an hourly employee has changed.  I think it shifted in about 1998 or so when skill, higher than a 1:1 work productivity ratio, technology and financial education all merged or coalesced into a bigger, or at least different, expectation of employees.


The average worker is not ready for the 21st century, more than a decade into it.  As more and more of my books publish, several of them focus on the financial future and education of people of color.  I endeavor to in every book print a glossary of information on how money works, on the options for enhancement of one's self.  And I'm standing somewhere in person or on TV or in an online video doing this as well, pretty much every minute of the day.  Don't get me wrong, I've gotten great feedback and seen people do incredible things with the little bits of information I've passed on, I'm just greedy I suppose.  I want more people to be able to do more.  I'm constantly heeding the thrumming in my ears from my ancestors: "Free my people."

Part 2 of this article will talk about the things that I did and maybe the things that you can do to shore yourself up, to get ready because as I forecast into the future, it's not going to get easier, it's going to get harder if you're dependent upon a job.

Thank you for reading and if you liked this check out the other blogs or one my books on Amazon.com
Kyle Phoenix
Email: kylephoenixshow@gmail.com
Website: http://kylephoenix.com/
Blog: http://kylephoenixshow.blogspot.com/
Amazon.com: simply type in Kyle Phoenix for over 25 paperback and digital books!
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Sunday, November 25, 2012

Education: Children Become Their Parents by Kyle Phoenix


There's a push and a ranting and a visceral push now in the world around education.  Primarily this is driven by the internet.  The availability of so much information/knowledge from so many of the people of Earth, throughout disciplines and sciences and innovation means that individuals have a different level of expectation on them than ever before.  This then traces back through all of our lives to how much education we have and how to improve it.

I spend a lot of my professional time teaching and developing intensive programs particularly for Black and Latino students to advance.  I've been working on a range of students from elementary school all the way up to adult/college level learners with the concern of how to infuse knowledge and ability and assess where students are at.  Truthfully, not everyone from all of those ranges 5 to 50 are going to make it, are going to advance in education.  Some of the students have dropped out of high school, some haven't completed college, some need job training and I'm always struck by how some students latch on and move through.  The benefit of my unique positions is that I can ask questions of the home life of children/adults and get a deeper sense of the history of education within a family.

Here's what I've bluntly learned: the education level of your parents determines your education level.  If books were used in your house for holding up furniture and starting the fire in the stove, the product of those homes has less of a an interest and drive towards learning in a formalized education way.  Now you might bring up exceptions to this concept,maybe even you have a college education and your parents didn't.  I'll throw back at you there are two exceptionalizing forces:  
  • One's maternal grandfather's education level influences your own.  Why so?  A man who is educated will want his children to be educated, even his daughters (your mother); your mother having a higher education will make education a priority to her and your grandfather spending time with you will allow him to transfer higher linguistic skills faster to children.  (Women tend to educate their children as a matter of course while men tend to be out of the house working so don't have as strong an influence to immediate education.  This is why the education of women is so vital around the world.)
  • Secondly, mentors/teachers.  If your parents were not as highly educated as you then look for the relative/mentor who replaced them intellectually/educationally in your life.

 What I often find in my students is they're raised in single parent households by women who are trying to occupy the role of parent and breadwinner.  This negates a woman's ability to enforce education.  Or worse yet Welfare is the crippling force that the women are dependent upon for education.  Welfare creates entitlement but not empowerment.  It teaches, multiple generations, the disqualification of masculine/manhood responsibility and also erodes the work ethic of adults who on it too long.  How does Welfare effect students when they get to my classrooms?  They don't have an ingrained work ethic to do the work and if you don't come from education, you don't know what the value of education is.  Education has no value in Welfare, nor vice versa and when there is no value, it negates the other.

We can expand the concept of Welfare to Poverty.  Poor people stay poor because of the ways to get out of poverty are generally out of range to them:

  1. Windfall: winning the lottery; Powerball was 1 in 175,000,000 to win this week.
  2. Inheritance: if you're poor, there's probably no inheritance
  3. Marriage: to marry rich is really, really, really a stretch.  Pretty Woman is such a fantasy and transfer that to people of color who aren't celebrities or sports stars.
  4. Education: is the sole way that all social classes can shift to the next level by becoming say a doctor, lawyer, scientist, entrepreneur.
I am often shaking my head in frustration at students who won't read a book, write a page, do some math, make an effort, well into their 20s and 30s and higher but I have to roll back my understanding to this precept: there is no educational history in their family.  I know that what I'm trying to get them to do, doesn't make sense to them.  Literally lack of education shifts how people see time, they can't see what education might mean to their lifetime or even how their education could break the cycle of parent-child outcome.

How do we change this?

There's a mass of us that are educated, approximately 35% of Blacks and 30% of Latinos have graduated high school and gone on to and through college.  That mass must turn around and assist at least 1 other person to get through high school and then at least 4 years of college.  By 2014 the minimum requirement for earning $15 an hour will be a 2 year Associates degree.  Imagine if the Educated could get tax breaks or some of their student loans paid off for volunteer mentoring/educational services?  You can volunteer with a GED program and make it a goal to get several of those students in a year to graduation/degree.  Then make it a further goal to get them into college.

I'm lucky in some ways that I'm able to mentor students into college and through it.  One of my efforts has been to create a chain of individuals from GED to 2 year college to Ivy League university at Columbia, helping all each other get through with tutoring in each individuals weakest subject.  I think of it as the application of an Educational Railroad similar to the Underground railroad, someone is a step ahead of you, a year ahead of you so they can help you through that year.  There's then another student ahead of them to help pull them to the next level.  I've been able to design programs/schools for adults to further educate them to college level and then teach them how to tutor their children.

It in no way helps a child to send them to school and you can't do multiplication or geometry or calculus when they get home.  Do they see you reading books or watching Atlanta Housewives?  For birthdays and Christmas are you giving the latest electronics or books and making the reading of the books and writing reports how they get a $20.  It seems weird to pay children to read/grow but the logic of wanting children to do for free what they might not understand the long term value of yet, is worth a few dollars.

I wrote before about education for children and adults and I was asked what's the right amount of reading/math that should be done to improve a child or an adult's skill level.  One book a week but the books have to be of increasing difficulty.  Reading Stephen King is easy which is one of the reasons why he's so popular, challenge to the next level of an Edgar Allen Poe.  Smart is natural, intelligence is developed through increasing complexity.  Zane might be sexy and fun but Toni Morrison will make you work for the book.  Hand out books to strangers, make it mandatory for your relationships with younger people.  Read a book yourself every week---you're an example and role model to someone.  You might even consider that is you're looking for a man or woman, especially one of color, maybe you can't find what you want or feel that you deserve in terms of education or money or work ethic, because we who are educated are not going back.  But Good Men and Women do go back.  And while you're helping, you might suddenly be cute to the other volunteer teacher who cares about their community, other people and the future.  Taht says a lot about character.  Suddenly, you've just been casually told where the Good Men and Women are, huh?  I'm just saying........

The most hopeful thing I've seen this year was on the 3 train coming from an adult educational institute I started a few months back.  It was about 10pm and there was a young Black girl, about 17 years old with a baby in a stroller.  But she was reading a book.  I'm always bobbing and trying to peep what people are reading and I was gratified to see that it was a novel of some merit.  I said I've got to break the wall of propriety and tell her how wonderful she is, let her know that someone sees her trying to improve herself.  As she was about to get off I stopped her and handed her a book from my bag that my students were reading (Song of Solomon by Toni Morrison) and I told her I was a teacher (so she wouldn't freak out), that I was proud of her and had an extra book for her.  She was thankful and happy and then she did what every teachers wishes to see, she looked at the book with a naked greed for what it might contain, ravenous for her new intellectual meal.

I don't know what she will become but I do know she will become.


Thank you,
Kyle Phoenix
Email: kylephoenixshow@aol.com
Website: http://kylephoenixsite.com/
Blog: http://kylephoenixshow.blogspot.com/2012
Thanks and enjoy! You can Like Us on FaceBook or Follow Us on Twitter! Don't forget to watch The Kyle Phoenix Show on Channel 56 (Time Warner), 83 (RCN), 34 (Verizon) and the Thursday/Friday 12am/midnight simulcast on http://kylephoenixsite.com/