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Before I begin, I will flat out admit that  is a pretty stupid film overall.  The premise of the movie was that imbeciles were procreating at a faster rate than highly educated people so after 500 years the whole earth was filled with idiots.  They created giant piles of trash and watered their crops with energy drinks.  It was a dumb movie, and my husband said he felt stupider after watching it.

The first time I got reminded of Idiocracy was when we watched in the theatre.  These two movies both had giant piles of trash and also a very similar ending. The main difference was that Wall-E’s protagonists were cute little robots.  After watching that movie my husband said, “Idiocracy ruined Wall-E for me”.

This week I remembered the story of Idiocracy again after reading about Nadya Suleman.  Nadya Suleman is the mother of the now famous octuplets.  Apparently she now has a total of 14 kids.  Three of her older six kids are disabled so she’s receiving food stamps and money for them, and she funded her invitro treatments with her disability payments.  She is unemployed and now Kaiser is demanding money from MediCal to pay for the care of her octuplets.

I totally believe that everyone should be able to have as many kids as they want, but people need to understand that kids are huge responsibilities financially, physically, and emotionally.  An understanding these of responsibilities is what prevents a lot of folks from having a lot of kids, and this was illustrated in the movie Idiocracy.

So what’s my point?  I actually do not believe that book smarts is totally hereditary so I think it is possible that parents that are considered to be “dumb” can have very successful children. Basically, I do not believe that the world in Idiocracy would actually become a reality.  However, I am pretty annoyed by people who are perpetually unemployed and have  kids just to milk the system and collect welfare checks or discounted housing.   If you intend to provide for the kids you have and find a way to do it then there is nothing wrong with having tons of kids.  In fact, I admire the Duggar family of Arkansas a lot for what they are doing with their brood of 18.

With that said, if Nadya Suleman gets a reality show I think I would puke, because that would be true idiocracy.

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Today the hubby and I once again discussed the idea of having one of us stay at home when we have a kid. I have researched the costs of daycare in San Mateo and it is very expensive. We can definitely afford it but from what I read many infant care facilities are not only expensive, but have extremely long waiting lists. One of the Wise Bread writers I met last week used to live in Redwood City and she said that she signed up to be on the wait list of one of the daycares with a better reputation while she was pregnant and she got a call back when her daughter was two! That’s pretty crazy and makes me want to put myself on the list right now. Anyway, the hubby expressed interest in being a stay at home dad before, and I asked him about it again.

Financially, my income is still above the San Mateo median if we became an one income family. I used our actual incomes and plugged it into this at MSN money. According to the calculator if we lose my hubby’s income but he takes care of our kid we would lose about $12500 a year and that doesn’t seem like all that much. The hubby makes a decent income as a game programmer, but we are taxed quite a bit on that second income so the biggest savings we get is on taxes. I plugged in daycare costs at $1200 a month, but that’s actually a pretty low estimate because apparently for their top of the line on campus daycare. I consider my hubby to be a top of the line caretaker considering his intelligence and attentiveness towards kids so when I plug in $2500 a month for daycare obviously we come out ahead by having the hubby stay at home. Additionally, right now the hubby commutes about 50 miles a day to and from work so we will save a few hundred a month on gas. If I were to stay home, we would lose more money because my base salary is about 12% higher than the hubby’s and I have been getting bigger raises than the hubby just because the type of companies I work for pay more. If the hubby stayed in enterprise software he would be making more money than me right now because he has one more year of experience and he graduated from an elite school. However, he is in games right now and every software engineer knows that you work in games for love and not money.

The main issue is that I am afraid that the hubby would not want to give up his career, but he said that he really would love to be a stay at home at dad. He thinks that he would have a lot of free time for his own projects because he always wanted to make his own games. He also has tons of movies he would like to watch, dozens of books he wants to read, and so much stuff he wants to learn. Additionally, he just loves babies. Then I asked him if he would be lonely, and he said that he could just hang out with all the other stay at home parents he knows. We do know a stay at home dad from church with three kids and several stay at home moms that are our friends. Besides that, one of the hubby’s best friends has a work schedule where he gets home in the early afternoon so they could hang out. In terms of jobs, it is also generally easier for a man to get back to a career after taking a little hiatus. If he really uses his time to create games on his own then he would be even more attractive to future employers., or if he really makes great games he could sell them on the internet by himself.

Anyway, this is all hypothetical because we don’t have kids yet, but it is good to know that the hubby wouldn’t mind being a stay at home parent. I have read many blog posts by women whose husbands tried out the stay at home thing and got ridiculously bored and went back to work, but I guess it’s mostly because they didn’t have any projects of their own. I am not too worried about the hubby having nothing to entertain himself with because he has a ton of games he hasn’t started playing yet and he is one of those nerds that could just sit there and think for hours for fun. The hubby wants to finish the game at his workplace first, and then we may work on actually trying to having a kid and this stay at home dad thing may actually happen.

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I have only two cousins because of the . My older cousin is named Yang and he is three days older than me. Before I left China, we were sort of like twins and played with each other quite often. Last year, he finished his masters in wireless engineering in Nanjing and recently my mom told me that he got a job as an wireless engineer in Shanghai that pays about 5000 yuan a month. I thought that was great news because jobs in China are very difficult to find for young people since there are just too many college graduates. Then my mom started to name all the things she thought were negative about this job because it is her duty as a Chinese mom to report all the bad things in a gossip session.

First of all she said that my cousin is paying over 1000 yuan to rent a small apartment in the city of Shanghai even though he is only paid 5000 yuan. Second, the company he works for does not provide job security. They fire anyone at anytime they please, and some employees have committed suicide because of long work hours. Third, she said that my aunt told her that it is impossible for Yang to afford to buy a place in Shanghai on his salary. I pretty much laughed at this and said, “you think my life is so different?” When I just graduated, I was paid exactly 5000 dollars a month, and I also had living expenses of nearly 1000 a month. If I lived alone I would also have paid rent of over 1000 dollars a month. So on the expenses front, the difference between my cousin and I is that one of us uses dollar and one of us uses yuan, but our expenses are pretty much the same in terms of percentage of income. I also do not have any job security because California is an at-will state that can fire anyone they want at any time for any reason. Finally, on the real estate front, I can’t afford a place in San Francisco on my salary either! (I am using San Francisco as a parallel to Shanghai because they are both big and densely populated cities with very expensive real estate). The only thing I don’t have is the long work hours, but that is because I choose to not work long hours.

After talking to my friend Mary who goes to China often, we both came to the conclusion that the struggles of young people in China and America are very similar. Financially, we are all dealing with rising prices, stagnant pay, and unstable careers. There has also been a housing bubble in China since the Chinese Communist Party allowed personal ownership of real estate. Politically and socially we all do not have much of a say in  governments that are ruled by the generation before us. Sure, America is supposedly democratic, but honestly how many politicians actually care about our generation? Even Obama, who is supposed to be “young”, is proposing a tax proposal that eliminates taxes for seniors making under $50,000. What about the young people that make under $50,000? Anyway, I could write a whole other rant on this issue, but basically the challenges American young adults face politically are not so different from Chinese youths who are under a totalitarian regime. American youths are taught to believe that they can affect the decisions of the government, but in actuality the government is controlled by an older generation that could not care less. In a way that’s more frustrating than knowing for certain that your government will not listen.

One thing that is marked different between the lives of Chinese young adults and American young adults is that many of the urban Chinese youths we know have quite a bit financial and physical support from their parents. For example, some married only children have all four of their parents taking care of their kids. On the other hand, American young adults have to deal with costly childcare or just not have children at all. I don’t know of any non-Asian households where all four grandparents are taking care of their grandchildren full time. A lot of Chinese parents also buy houses for their children, and again, that is rare in America.

So having said that, I think my cousin is doing great in China. He has officially become independent, and that is a great achievement for any young adult.

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As many of you bloggers already know, this weekend is the BlogHer ’08 conference in San Francisco. I was planning to attend, but got lazy and missed the registration deadline. Additionally, these couple months have been kind of crazy in terms of having free weekends. Nevertheless, several bloggers are flying in so we will be meeting for dinner in San Francisco tomorrow! I am pretty excited about meeting , , , , and . Anyway, I’m sure the conference will be awesome and they will be spreading the word for Wise Bread.

Besides that, we found out that our rent is not increasing. This is the advantage in finding a nice landlord. I know that his HOA fees went up a little bit, so keeping the rent the same actually means he is losing a little bit of profit, but having good tenants that pay on time like us is very valuable to a landlord, too.

As usual people are asking me when I will have babies. Honestly, that is up to God and the hubby. Obviously I can’t have a baby on my own, so I don’t know why I get the most queries about this subject. So I tend to say, “ask my husband” now. As I have said before, I prefer to have the first kid before I turn 30, but it is not totally up to me.

Finally, my husband and I are playing in the . He named our team Team Chimerica. It’s a combination of the words China and America, and also looks like the word chimera. He has been chronicling our battles against ancient evil . If you have never played before then my hubby’s posts may sound like insane nerd babble, but this cooperative game is the only board game where we don’t try to kill each other but instead work together to fight an Ancient One and other monsters.

That is all for this really random post. There are more personal finance topics to write about and more evil to fight, but for now I must figure out what to have for dinner.

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Welcome to the Carnival of Money Stories #67!  This week we have sixteen great stories full of insights,inspiration,triumph, and tragedy.  Read on to be titillated and entertained!

prescription drugs cialis us- Silicon Valley Blogger tells the story of her friends’ ill fated real estate purchase in posted at . This story is a must read.

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Dean Paley presents posted at . It seems pretty simple to negotiate your mortgage terms with the banks these days.

FMF tells of posted at . When I do buy a house, I will make sure to make a lowball offer. There is just no point in paying sticker price for anything.

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Kelly from Almost Frugal tells us how she is at . When you have a chronic disease, money management is even more important.

GBlogger presents posted at . This is an inspirational story about a guy that managed to invest well despite the debilitating effects of brain cancer.

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Mr Credit Card presents posted at . Is it worth it to get a crappy credit card to build your credit score? Mr Credit Card tells us his experience.

paidtwice presents posted at .

Brooke presents posted at . In this story Brooke outlines how much she spent this month in various things. She has been bad.

Ryan Suenaga presents posted at . This is a tip on how to get 5% back on gift card purchases through credit cards.

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Jim presents posted at . Jim reflects on his decision to become a professional blogger.

The Financial Blogger writes about his new job in posted at . He is trying to make more income so that his wife can stay home without worrying about finances.

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Dorian Wales tells us how to posted at . Well, Monopoly isn’t really my favorite boardgame because there is too much luck involved, but this is a good post about it.

Todd tells us that his neighbors are having at . Hip hip hooray for Todd’s neighbor I guess.

Tip Diva presents posted at .  I am sorry you were victimized Tip Diva!

vh presents posted at . Estate sales are pretty awesome for furniture, and that ottoman vh got is quite delicious.

Money Monk and MoneyNing had very similar stories about living below your means. See posted at and posted at .

That is all for this week!  Next week the carnival will make a stop at so !

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