In this personal essay at The New Yorker, Anna Holmes writes about growing up in Davis, California, a college town near Sacramento; the financial challenges her mixed-race family faced; and what it means to come from a family without the generational wealth that can make homeownership, and the financial security that comes with it, possible.

It’s hard to hear people who own property grumble about how little money they have. One friend who regularly moans about money has a four-bedroom home on the West Coast and a vacation house in New England. I’m unmoved by the financial lamentations of another friend, who owns a town house in New York with an apartment for a nanny or an in-law. Stuff like this makes me want to scream. Demonstrate some modicum of self-awareness! Read the fucking room! When a friend told me that her parents were going to help her buy a second home, I made a pointed remark that it must be nice to have access to that sort of capital. She conceded the point, graciously, and we moved on.