5 Insane Things You Believe About Money (Thanks to Movies)

I bet every one of you can remember the first time financial reality smacked you in the face like a Hulk-thrown engine block. ("I work two jobs, shouldn't I be able to afford to get this festering wisdom tooth taken out?"). That's because unless your parents were wealthy, you left school knowing jack shit about how money worked. We have a trillion dollars in credit card debt to show for it, along with an upper class who just can't figure out what the rest of us are bitching about.

So why in the hell does the average person have no idea what kind of lifestyle their job should afford them? As usual, I blame Hollywood. After all, in the world of movies and TV ...

#5. Even Apocalyptic Poverty Isn't That Bad

TriStar Pictures

Raise your hand if you've ever been watching a movie that takes place in an apocalyptic, nightmarish future, saw how the people were living, and thought, "Hey, that's nicer than my place!"

For instance, in Dredd, the planet has been ruined by a worldwide cataclysm, and the remnants of humanity are crammed into overcrowded mega-cities. Within that urban hellscape, Dredd has to venture into the worst of the worst slums to take down a drug lord by shooting 57 people in the face. Here's what those slums look like:



Neat, clean, working appliances, plenty of space, no damage on the walls -- clearly able to get paint and repairs done without much problem. Futuristic ultra-crime aside, how many of you haven't at some point lived in a place worse than this? In Elysium, Matt Damon's character is living in the shattered post-apocalypse of 2154, and has a low-level, manual labor job in a robot factory. Here's his house:

TriStar Pictures
"The washer is busted so I have to clean my work shirts on my abs."

I mean, it's not great, but I've definitely had worse kitchens than that. I think my favorite has to be Zion from The Matrix. Humanity has literally been driven underground by killbots. Here's their dining room:

Warner Bros.

I mean, I realize everything is filthy, but it seems like a pretty good scrubbing would turn this into the kind of place that would rent for $3,000 a month in New York. Or, you know, if you just left it looking exactly like that.

Look, I get it -- in the world of TV and movies, everything is cooler, prettier, and sexier than real life. The nerds are hotter than your high school's prom king, the "plain" girls are played by models, and the "fat" guys are thinner than most people in line at a Walmart. So, as we've previously mentioned, the poor girl from the "wrong side of the tracks" in Pretty in Pink would have been considered rich where I grew up -- she lives in a spacious, two-story home in the suburbs with a manicured lawn. She got her own working car at age 16:

Paramount Pictures
I couldn't have even rented that car until I was 32.

But here's the thing: Hollywood's heightened reality is supposed to work in the other direction, too. Fictional horrors are supposed to be more horrifying than the real thing -- crime in TV dramas is all flamboyant serial killers and brutal dismemberments, and arguments in reality shows always turn into vicious, hair-pulling catfights. But when Hollywood tries to portray the worst of the worst poverty -- the kind you can only get in a post-apocalyptic future -- the worst they can think of is an 800-square-foot, two-bedroom apartment with some smudges on the walls. Their poverty doesn't look so bad even when they're trying to terrify us with how poor the characters are.

So ... how is that supposed to make you feel about your own life? Hell, tell me that none of you haven't had at least one point in your life when you would have gladly traded your accommodations for the run-down but freaking enormous Victorian house in Fight Club?

20th Century Fox
You could clean it up nicely with a little soap.

#4. Financial Wounds Always Heal

Warner Bros.

There's this sitcom trope that has been playing out since the invention of the camera, and it always drives me freaking crazy:

Some rowdy kids are goofing around, and someone throws a ball and breaks a window (or knocks a hole in a wall, or otherwise damages the house or furnishings in some way). A parent comes out and tells the kids to take it outside, and ... that's it. The next time you see that window, it's fine again. I know for a fact there are certain viewers out there who feel actual anxiety when they see shit get broken around a fictional house. Even if it's an action movie fight that smashes up the furniture ...

Miramax Films
If the homeowner wasn't murdered shortly after that mirror broke, she'd have to budget for the repair.

That's because a certain percentage of us grew up in homes where you knew that if a baseball went through a window, that shit was staying broken. Maybe somebody tapes a board over it. I remember accidentally knocking a hole in a piece of paneling when I was 9. The hole was still there when I moved away to college. There was just ... never money in the budget to fix it. In a house with "money problems," every little screw-up gets recorded on the walls, forever, like a cave painting. Scars in the paint and plaster and carpet, serving as daily reminders that your birth made the world a little bit worse.

Of course, the "self-repairing house" bit is just one way sitcoms reset themselves every week -- the Simpsons have trashed their house dozens of times, and by the next episode, it always looks exactly the same. But then there are movies and shows where entire plotlines turn on the fact that the characters have no money, but they still shrug off the consequences of wrecked shit.

Family matters, but not as much as comprehensive house and auto coverage.

In Birdman, they talk constantly about how Michael Keaton's washed-up actor character is broke -- he's having to mortgage his home to pay for the play he's putting on. Then, in a fit of rage, he smashes his dressing room, destroying electronics, decorations, equipment ... and by the next day, not a scratch remains. All I could think was, "Ah, OK -- so when this guy described himself as 'broke' he didn't mean broke broke." Not the way the rest of the world means it, where "broke" means, "I sprung for a new winter jacket, but I'm afraid to wear it out in the rain, because it has to last me at least five years."

Probably my favorite example of this is The Hangover -- someone did the math on the guys' Las Vegas misadventure and figured out they would owe about $60,000, thanks to the trashed hotel room, totaled Mercedes, the emergency room visit, etc. And hey, maybe the Wolf Pack got together and borrowed money to pay for it all, or maybe they got the cash from the groom's rich parents. But that's not the point: The point is nobody is worried about it. At the end, they make it to the wedding and all is well -- they agree to never speak of their chaotic weekend again. Shit, there was a time when just having the fee for that emergency room visit hanging over my head would have ruined my peace of mind for months.

Warner Bros.
"Fuck it; just eat me."

Yeah, that's another one -- everyone in movie/TV land has spectacular health insurance, apparently. One of the characters in the slacker comedy Workaholics (who works part time as a telemarketing clerk) had to be rushed to the hospital after a wacky misadventure resulted in him getting impaled in the abdomen by a trophy. He recuperates on the sofa under the influence of strong painkillers later, but they don't show him going to the pharmacy counter to get those pills. Yeah, they can't turn you away at the emergency room, but if you show up to the pharmacy with no money, you're not getting the medicine unless you have a gun and a ski mask.

Otherwise, you just sit there, in pain. And when I say "sit there," I mean at work, not at home -- there's no way that guy's job comes with lots of paid sick days. See, that's what having a shitty cubicle job is really like: It involves multiple stretches of sitting in that chair even when you're in so much pain that you long for the sweet release of death. Speaking of which ...

#3. You Can Live a Comfortable Life With a Menial, Low-Skill Job

Warner Bros. Television

Look, I get that some of this is just logistics. For instance, there's a pretty simple reason why everybody on TV has a fairly huge apartment or house -- it's impossible to shoot a TV show in a cramped space. You've got to have room for the equipment and shit, and you've got to have room for the actors to let scenes play out (e.g., different people having different conversations in different rooms at the same time, which can't happen among roommates sharing 400 square feet). They can't simply make all of the characters rich (otherwise we wouldn't identify with them), so they just have to go with it.

But the result is that hourly wage earners live like professionals, and professionals live like millionaires. In How I Met Your Mother, Ted Mosby was an architect but the rent for his 1,000-square-foot apartment would have wiped out his whole paycheck before he even had a chance to buy food.

20th Television
This is what $1.45 million looks like in real life.

And when you watch Modern Family, do you think of the Dunphy's as living in a $2.3 million home? Because they totally do.

20th Television
Remember: You need $470,000 in cash just for the down payment.

But it's not the living accommodations that bug me -- it's the combination of lifestyle and time. I honestly think this is what screws people up when they go out on their own: The sticker shock that comes with realizing how much time and energy it takes to live what TV says is an average lifestyle. In Hollywood, the barrier for "makes just enough money to not really have to worry about it" is incredibly low.

For example, in the movie Her (which is a wonderful movie, by the way), the main character has a low-level writing job fabricating love letters for people (and I say low-level because there's no way that's a service people are going to pay hundreds of dollars for; they're basically just wordy greeting cards). But with that job, he's able to afford a massive luxury apartment downtown ...

Warner Bros.

... with all of the latest tech gadgets, and tons of time off, and the ability to take a nice vacation when he feels like it. In the real world, that work would be outsourced to freelancers in India pounding them out for pennies an hour. Maybe he had, I don't know, rich parents or something? If so, they don't mention it, and that's the point -- it's just a given in that universe that having that lifestyle only requires you to be pretty good at a 9-5 office job. In reality, Joaquin Phoenix's character would be sleeping in his car, and sharing it with four other dudes.

That apartment, on the other hand, would belong to the guy who owns the fake letter company -- a guy who spends 100-hour weeks trying to keep a successful business afloat, getting lots of migraines and ulcers in the process. He would joke to his friends how he has a fabulous apartment and never sees it.

Warner Bros.
"That's how I 'live' here. I swipe his key from under the mat."

But hey, that takes place in the future; maybe there are lots of apartments available because everybody else got eaten by zombies or some shit. That's not the case for Sherlock, in which Holmes and Watson have to get the famous apartment at 221B Baker Street together out of financial necessity (Watson was on a military pension, Holmes was freelancing as an occasional crime-solver who doesn't demand payment for his services). That property would sell for $2.8 million fucking dollars in real life. And, sure, Holmes got a deal on the place thanks to his relationship with the owner, but he also has a stylish wardrobe, including shirts in the $200 to $500 range and multiple copies of a trademark overcoat worth about $2,000 each. Watson's trademark jacket (the one with the patch on one shoulder) costs $1,100. When Watson gets married, everyone in the wedding party is adorned in custom suits and dresses ...


... and they host a lavish reception afterward:


And again, in the real world, all of those things are attainable ... if you work yourself like a fucking dog. In the show, they just kind of take whatever freelance jobs they find interesting, whether they pay or not. We briefly see Watson doing work in a clinic, but it's clearly part time, considering they're both able to dash off and take cases at a moment's notice, giving them their full attention. Work simply doesn't get in the way. That choice that virtually all of us have to make -- nice house or car vs. free time and a social life -- simply doesn't exist for them.

On a related note ...

Recommended For Your Pleasure

David Wong

  • Rss

More by David Wong:

See More
To turn on reply notifications, click here


The Cracked Podcast

Choosing to "Like" Cracked has no side effects, so what's the worst that could happen?

The Weekly Hit List

Sit back... Relax... We'll do all the work.
Get a weekly update on the best at Cracked. Subscribe now!