Why Do Poor Black People Buy Stuff They Can’t Afford?

Some people may wonder why people buy things that can’t afford, particularly people of color. Take for example, Trayon Christian, the 19-year old young African American male who was stopped & questioned for purchasing a $349 belt from Barneys’ Madison Avenue in New York. While any rational person would condemn racial profiling, the question may still linger – what on earth was a 19-year old Black college student doing buying a belt that costs more than he probably earns in a day?

Well, I can answer that in 4 words – NONE OF YOUR BUSINESS. Whether or not I agree with his purchase decisions, as an African American (and even as a woman) I understand the occasionally desire to look better, dress better, etc. than what your budget allows. I’m certainly not the type to dress above my means, however, it is very alluring and easy to get “caught up” in what society says I should be wearing or driving. As a woman of color, I compete on a daily basis with people who may have more money than I do and sometimes just to keep up, I sometimes find myself making purchases from places that I wouldn’t have otherwise.

Some people dress nicely because it makes them feel better about themselves & I can dig that. But there are other people, and this is where I fit in, who dress nicely because they know that people are judged based on what they wear & how they look, not on who they are. I can be the smartest person in the room or the best driver on the road but if my outfit or my car is raggedy, nobody will take me as seriously as someone who dresses better or drives a fancier car. Is this shallow? Perhaps, but it is the society we live in. Nobody does a double take at a Chevy Cruz but they will check out the driver of a Chevy Camaro. People admire the fashion sense of Kim Kardashian (even though I can’t stand her), but no media outlets will ever report on what Tina Fey wears. So if I know that wearing finer clothes – albeit more costly – will get me noticed by an attractive man or make a lasting impression during a job interview, then yes I will opt for the nicer clothing. First impressions are everything and if I can help my image by looking a certain way then why shouldn’t I do just that?

Now this is not an excuse for people to go out & spend inordinate amounts of money just to create an image they can’t sustain. I just think there needs to be balance. Who knows whether or not that $349 belt was Trayon’s only splurge for this entire year? Maybe he was using his student refund check & not even touching his own bank account? We don’t know. What we do know is that there is nothing wrong with wanting to “look the part”. Notice I did not say I would go into debt for a new pair of shoes or let my electric bill go unpaid so I can have a new handbag. Besides, isn’t that what all the great career coaches say – “Dress for the job you want, not the job you have?” All I’m saying is that buying nice things to make me look better can only help me, not hurt me.

Please read the article below that addresses this very issue from TalkingPointsMemo.com –

Why Do Poor People ‘Waste’ Money On Luxury Goods?
by Tressie Mcmillan Cottom

We hates us some poor people. First, they insist on being poor when it is so easy to not be poor. They do things like buy expensive designer belts and $2500 luxury handbags.

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To be fair, this isn’t about Errol Louis. His is a belief held by many people, including lots of black people, poor people, formerly poor people, etc. It is, I suspect, an honest expression of incredulity. If you are poor, why do you spend money on useless status symbols like handbags and belts and clothes and shoes and televisions and cars?

One thing I’ve learned is that one person’s illogical belief is another person’s survival skill. And nothing is more logical than trying to survive.

My family is a classic black American migration family. We have rural Southern roots, moved north and almost all have returned. I grew up watching my great-grandmother, and later my grandmother and mother, use our minimal resources to help other people make ends meet. We were those good poors, the kind who live mostly within our means. We had a little luck when a male relative got extra military pay when they came home a paraplegic or used the VA to buy a Jim Walter house (pdf). If you were really blessed when a relative died with a paid up insurance policy you might be gifted a lump sum to buy the land that Jim Walters used as collateral to secure your home lease. That’s how generational wealth happens where I’m from: lose a leg, a part of your spine, die right and maybe you can lease-to-own a modular home.

We had a little of that kind of rural black wealth so we were often in a position to help folks less fortunate. But perhaps the greatest resource we had was a bit more education. We were big readers and we encouraged the girl children, especially, to go to some kind of college. Consequently, my grandmother and mother had a particular set of social resources that helped us navigate mostly white bureaucracies to our benefit. We could, as my grandfather would say, talk like white folks. We loaned that privilege out to folks a lot.

I remember my mother taking a next door neighbor down to the social service agency. The elderly woman had been denied benefits to care for the granddaughter she was raising. The woman had been denied in the genteel bureaucratic way — lots of waiting, forms, and deadlines she could not quite navigate. I watched my mother put on her best Diana Ross “Mahogany” outfit: a camel colored cape with matching slacks and knee high boots. I was miffed, as only an only child could be, about sharing my mother’s time with the neighbor girl. I must have said something about why we had to do this. Vivian fixed me with a stare as she was slipping on her pearl earrings and told me that people who can do, must do. It took half a day but something about my mother’s performance of respectable black person — her Queen’s English, her Mahogany outfit, her straight bob and pearl earrings — got done what the elderly lady next door had not been able to get done in over a year. I learned, watching my mother, that there was a price we had to pay to signal to gatekeepers that we were worthy of engaging. It meant dressing well and speaking well. It might not work. It likely wouldn’t work but on the off chance that it would, you had to try. It was unfair but, as Vivian also always said, “life isn’t fair little girl.”

I internalized that lesson and I think it has worked out for me, if unevenly. A woman at Belk’s once refused to show me the Dooney and Burke purse I was interested in buying. Vivian once made a salesgirl cry after she ignored us in an empty store. I have walked away from many of hotly desired purchases, like the impractical off-white winter coat I desperately wanted, after some bigot at the counter insulted me and my mother. But, I have half a PhD and I support myself aping the white male privileged life of the mind. It’s a mixed bag. Of course, the trick is you can never know the counterfactual of your life. There is no evidence of access denied. Who knows what I was not granted for not enacting the right status behaviors or symbols at the right time for an agreeable authority? Respectability rewards are a crap-shoot but we do what we can within the limits of the constraints imposed by a complex set of structural and social interactions designed to limit access to status, wealth, and power.

I do not know how much my mother spent on her camel colored cape or knee-high boots but I know that whatever she paid it returned in hard-to-measure dividends. How do you put a price on the double-take of a clerk at the welfare office who decides you might not be like those other trifling women in the waiting room and provides an extra bit of information about completing a form that you would not have known to ask about? What is the retail value of a school principal who defers a bit more to your child because your mother’s presentation of self signals that she might unleash the bureaucratic savvy of middle class parents to advocate for her child? I don’t know the price of these critical engagements with organizations and gatekeepers relative to our poverty when I was growing up. But, I am living proof of its investment yield.

Why do poor people make stupid, illogical decisions to buy status symbols? For the same reason all but only the most wealthy buy status symbols, I suppose. We want to belong. And, not just for the psychic rewards, but belonging to one group at the right time can mean the difference between unemployment and employment, a good job as opposed to a bad job, housing or a shelter, and so on. Someone mentioned on twitter that poor people can be presentable with affordable options from Kmart. But the issue is not about being presentable. Presentable is the bare minimum of social civility. It means being clean, not smelling, wearing shirts and shoes for service and the like. Presentable as a sufficient condition for gainful, dignified work or successful social interactions is a privilege. It’s the aging white hippie who can cut the ponytail of his youthful rebellion and walk into senior management while aging black panthers can never completely outrun the effects of stigmatization against which they were courting a revolution. Presentable is relative and, like life, it ain’t fair.

In contrast, “acceptable” is about gaining access to a limited set of rewards granted upon group membership. I cannot know exactly how often my presentation of acceptable has helped me but I have enough feedback to know it is not inconsequential. One manager at the apartment complex where I worked while in college told me, repeatedly, that she knew I was “Okay” because my little Nissan was clean. That I had worn a Jones of New York suit to the interview really sealed the deal. She could call the suit by name because she asked me about the label in the interview. Another hiring manager at my first professional job looked me up and down in the waiting room, cataloging my outfit, and later told me that she had decided I was too classy to be on the call center floor. I was hired as a trainer instead. The difference meant no shift work, greater prestige, better pay and a baseline salary for all my future employment.

I have about a half dozen other stories like this. What is remarkable is not that this happened. There is empirical evidence that women and people of color are judged by appearances differently and more harshly than are white men. What is remarkable is that these gatekeepers told me the story. They wanted me to know how I had properly signaled that I was not a typical black or a typical woman, two identities that in combination are almost always conflated with being poor.

I sat in on an interview for a new administrative assistant once. My regional vice president was doing the hiring. A long line of mostly black and brown women applied because we were a cosmetology school. Trade schools at the margins of skilled labor in a gendered field are necessarily classed and raced. I found one candidate particularly charming. She was trying to get out of a salon because 10 hours on her feet cutting hair would average out to an hourly rate below minimum wage. A desk job with 40 set hours and medical benefits represented mobility for her. When she left my VP turned to me and said, “did you see that tank top she had on under her blouse?! OMG, you wear a silk shell, not a tank top!” Both of the women were black.

The VP had constructed her job as senior management. She drove a brand new BMW because she, “should treat herself” and liked to tell us that ours was an image business. A girl wearing a cotton tank top as a shell was incompatible with BMW-driving VPs in the image business. Gatekeeping is a complex job of managing boundaries that do not just define others but that also define ourselves. Status symbols — silk shells, designer shoes, luxury handbags — become keys to unlock these gates. If I need a job that will save my lower back and move my baby from medicaid to an HMO, how much should I spend signaling to people like my former VP that I will not compromise her status by opening the door to me? That candidate maybe could not afford a proper shell. I will never know. But I do know that had she gone hungry for two days to pay for it or missed wages for a trip to the store to buy it, she may have been rewarded a job that could have lifted her above minimum wage. Shells aren’t designer handbags, perhaps. But a cosmetology school in a strip mall isn’t a job at Bank of America, either.

At the heart of these incredulous statements about the poor decisions poor people make is a belief that we would never be like them. We would know better. We would know to save our money, eschew status symbols, cut coupons, practice puritanical sacrifice to amass a million dollars. There is a regular news story of a lunch lady who, unbeknownst to all who knew her, died rich and leaves it all to a cat or a charity or some such. Books about the modest lives of the rich like to tell us how they drive Buicks instead of BMWs. What we forget, if we ever know, is that what we know now about status and wealth creation and sacrifice are predicated on who we are, i.e. not poor. If you change the conditions of your not-poor status, you change everything you know as a result of being a not-poor. You have no idea what you would do if you were poor until you are poor. And not intermittently poor or formerly not-poor, but born poor, expected to be poor and treated by bureaucracies, gatekeepers and well-meaning respectability authorities as inherently poor. Then, and only then, will you understand the relative value of a ridiculous status symbol to someone who intuits that they cannot afford to not have it.

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12 thoughts on “Why Do Poor Black People Buy Stuff They Can’t Afford?

  1. All I wanted to know is the logic behind maxing out credit cards to look like a flashy ghetto idiot. The only answer I’m getting is “none of your business” or that uselessly copied article whining about white privilege when this has NOTHING to do with that. White people who aren’t trying to act ghetto generally dress cheaply unless they’re super wealthy (and guess what? Most aren’t!). I just want to know what created the mentality that you need overpriced ghetto clothes to be accepted in a low income area. Seems extremely counter-productive.

    1. I’m a black professional clinician. I thought black people purchased items beyond their means to attempt to blend in with the main stream. I thought the need to be respected and accepted was a number one priority for low-esteemed folks- black or otherwise. Foe example, on the freeway, main stream will yield to an expensive ‘car’ before yielding to a black person in a commuter car. Vain, arrogant (insecure) folks tend to examine the outward appearance .i.e, merchandise, before the integrity of a person. Just my two-cents, or two-hundred thousand cents.

  2. Hi, excellent read, I’m white and just stumbled across this out of a search for cultural insight – you make some excellent points – I like your point of view it makes a hell of a lot of sense. You see a young white person buy a 350 dollar belt and no one questions it, you see a young black person buy that and you assume 1 of 3 things 1 he stole it 2 he sells drugs or 3 he’s not paying his bills and buying some stupid crap. But a who are we to stop and question this at the end of the day it’s no ones buisness, or to assume. Who are we to judge , we all just want to fit in and belong, long story short I was ridiculed in school for wearing Payless sneakers while people who received public assistance and got free lunch wore expensive sneakers and clothes were the ones ridiculing me, but I ate well and my parents owed a house. Prioritys are different to some.

    Fast forward I went on to become an md at a va hospital about 60-75% of my patients are black, so I get to see real people not the cultural stereo types crap the media portrays

    The media never portrays the average middle class African American family with the exception of Tyler Perry who I commend for this

    The only time rich black people are portrayed in the media are as musicans or performers or athletes never as doctors lawyers accountants small or large buisness owners or other professionals again with the exception of Tyler perrys works.

    Just some food for thought and some kind words for your blog and a thank you


    1. Thank you for reading!

      There are definitely things that people of all ethnicities can’t afford & shouldn’t be buying, however when you’ve never had money before (or come from money) sometimes people end up spending what little they do have on foolish things. If you’ve not been taught better, you don’t necessarily know better. If you don’t have access to a financial advisor or the $10,000 minimum to invest right away, sometimes overspending on frivolous things is the only comfort you have.

      Keep up the good work in the health field. I hope you come back & read my blog again! 🙂

    1. Did you just … skip on down from the title, and decide to forego reading the actual article, in order to grace us with your comprehensive thoughts & wisdom on the topic?


      1. Steve Jobs’ Last Words:

        I reached the pinnacle of success in the business world.

        In others’ eyes, my life is an epitome of success.

        However, aside from work, I have little joy. In the end, wealth is only a fact of life that I am accustomed to.

    2. We are broken people. Longing to be restored to our Creator for wholeness. At times, the opportunity to own material riches satisfies the ego. Living within the constraints imposed by low income – tremendous levels of frustration mounts as the media portrays the illusion that material gain makes one successful or happy. No Jesus, No Joy! Know Jesus as your Savior, Know Joy!

  3. There are some things in this post that are just … ringing.

    (And that little vignette about your Mom brought tears. This WOC will admit it. No, I don’t have something in my eye. “Ain’t I a woman?” 🙂 )

    Thank you for sharing. Respect.

      1. Lots of thoughts … not enough time to absorb it all. rue, but African Americans aren’t the only ones who make wrong choices.

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