First the background. I am a 23-year-old senior Spanish major at the University of Michigan. I’ve lived in Michigan my entire life and the extent of my exploits beyond the borders of my own country is limited to a 4th grade field trip to Toronto. I am supremely fascinated with Latin American culture and history, and especially how that relates to Latinos living in the U.S. I always wanted to study abroad, and I was accepted twice into the study abroad program in Santiago, Chile. The first time I chickened out early. The second time I had my passport ready and everything and then wound up in the hospital during a major depressive episode, so I canceled out of a sense that I was too sick to go. I actually ended up withdrawing from school for a year shortly after that.
I think out my entire academic stay here at the University, not going to Chile to study abroad is the thing I most regret. It was a circumstance in which I had scholarships and financial aid and really not much overhead expense at all–a true wasted opportunity. I should have faced my fears and just went.
But I have made the best of my situation. I spent a semester teaching English as a Second language to adult Latinos in Southwest Detroit. It was a rewarding experience, and enabled me to learn a lot about issues of immigration. Almost every single person I worked with and got to know was Mexican, so I got to learn a lot about Mexico, too. I also spoke to an economist who was doing research on emigration in Jalisco and had fascinating conversations with people who knew a thing or two about life on the U.S.-Mexico border. As a result of these experiences I’ve become very interested in the issue of immigration and wanting to know more about it, first hand.
I have decided (at least, I’m reasonably certain) that I want to apply to the University of California Berkeley School of Social Work to get my Masters or possibly a Ph.D. I’m interested in immigration, as I stated before, but also mental health (and eleven billion other things.) I’m curious what work has been done on Empirically Supported Treatments for Latinos and I’m also curious if there is a mental health need that remains unfulfilled among immigrant populations. Working with Latinos is not an imperative for my personal happiness, but it would be a really exciting opportunity if I could do so.
My Spanish is good (fluent -to-almost-fluent reading/writing, but my speaking and aural comprehension needs work). I know I’m never going to be satisfied with my knowledge of the language no matter how long I study it, but I also know that becoming fluent in a language requires total immersion, not to mention how can I study immigration without a cultural-experiential basis for that understanding?
So I decided, why not go to Mexico? My husband and I talked about it at length. He doesn’t really want me to go away for any longer than three months. I dropped $250 on an application fee last November–the total for the program will amount to about $3000 including airfare. Since we can’t really afford the study abroad programs, and I’m more interested in service work anyways, my program will involve spending 25-30 hours a week working with abandoned and abused girls at an orphanage in Guadalajara. I’ll be staying for two months, from May-July 2007, homestay. That’s been the plan for the last two or three months. I was excited to learn, then, that Guadalajara, being in the state of Jalisco, is hugely impacted by emigration to the U.S., so I see that as a great opportunity to really learn about this situation from “the other side” so-to-speak. And then my random final Spanish class I signed up for turned out to be on the topic of Mexican culture today.
Two major criteria for admission to the School of Social Work at Berkeley are:
- knowledge of social and cultural issues that impact people of differing ethnicities and/or life experiences (read: Latinos)
- extensive volunteer experience.
The way I look at it, Mexico would kind of kill both birds with a single stone.
So that was the plan.
Then. Well. It started with this. I had such an overwhelming sense of revulsion at becoming one of the “typical” American families that blows their money on a bunch of crap they don’t need… especially considering my history. I had been on my own financially since I was 17 and generally did quite well until I got to college. I ended up putting school books and groceries on a credit card when financial aid didn’t come through in time, and then my spending habits got way out of control ($10,000 out of control.) All that debt, on top of having to shell out ungodly sums of money for a chronic medical condition, was soul-crushing and humiliating. My husband (then boyfriend) initially had no problem helping me out financially, until he graduated and his grandparents stopped sending him a monthly allowance for being in college… then it was on him to support both of us which was entirely unfair and breeded extreme amounts of resentment between us both. I had to go to a debt consolidator which helped, but even after consolidating the debt I was still looking at bankruptcy (which I couldn’t even afford.) We got some counseling for our relationship and things began to turn around right away.
Then we married–my husband paid for most of the wedding and I made most of the arrangements–and things literally changed overnight. For some reason fate gave us a second chance at fiscal responsibility. We both paid off our outstanding debt–between the two of us, a total of $13,000. We committed to separating our finances. I learned how to manage my spending. I’m not going to stand here and say I’m perfect at handling money, but I have matured considerably and that is evident in the financial choices I make now. I would rather die than go back to being so utterly financially dependent on my husband… and I’m not even completely satisfied with the way things are now. I have elaborate dreams of having my own savings account and my own Roth IRA. Just having enough to cover my expenses is no longer enough for me. Now that I’m back in the black, I want security that I can stay there.
So the news article I cited above caused us to sit down and have “the talk.” We talked about what we wanted for our lives, for our futures. We decided to open a joint savings account. We agreed that we’re going to adopt children eventually, once one or both of us is finished with college, and that we need to start saving for it. We talked about the kind of life we had now, and the kind of life we wanted in the future. We both agree we don’t need to live extravagant lifestyles–but that we would rather use our extra money for day-to-day perks, like being able to go and see a movie or go out to eat occasionally-- and for humongous and priceless perks, like traveling and helping our kids with their college educations. I was raised working class, and I don’t mind being middle class… right now if you asked me, “If you could spend money on any major purchase, what would it be?” I can’t really think of anything we need. We have a television and a video game system and DVDs and a regular supply of books. All I really want materially is the ability to continue to have these comforts. I don’t have dreams of the prettiest house on the block and the finest clothes and cars. It seems to me it would be way more important to have a reasonable house payment and retirement savings and the ability to sleep at night without worrying our financial life was going to fall apart at any moment.
Which brings me to Mexico. How much is this a necessary part of my career track and how much is it just another financially immature frivolous expense?
I didn’t mention it before, but this summer, about a week after I return from Mexico, we’re also planning to go on a European cruise. It’s a GIFT (yes-- a FREE European cruise) from his grandparents to celebrate their 50th wedding anniversary–they’re bringing their whole damn family including grandkids to Spain, France, and Italy for 10 days. I cannot therefore make the argument that going to Mexico will be my only chance to travel ever. I can reasonably argue that Europe is a touristy kind of personal extravagance, and in Mexico I plan to work hard at a possibly very difficult job, and immerse myself in real culture and real issues-- so they can’t really be compared as the same thing. If I had to choose between the two I would choose Mexico in a heartbeat.
But… it’s still $3,000. We can afford it, but that’s not the issue. It’s $3,000 that might go toward adoption fees, an emergency hospital visit, a Roth IRA or a down payment on a house. I’m so incredibly torn and confused right now.
So what do you think? I’m asking because I don’t have a history of making sound financial decisions. Is $3,000 a drop in the bucket, is it a reasonable or necessary expenditure, or is it just a frivolous excursion? I also lack judgment because my brain is already playing anxiety tricks on me. I don’t know if my impulse to not go is entirely based on financial concerns, or just the fact that I’m scared shitless the same way I was with Chile. I am capable of constructing elaborate reasons for not doing things that terrify me.
Thus I ask for some common sense and objective analysis.
Thanks for your help.