April 3, 2014

April 3, 2014 34st.com

$ the money issue $

april 03 LOL

3 HIGHBROW

C.R.E.A.M.FROMTHEEDITOR

2014

This week Street is talking about the one thing you’re not supposed to talk about. No, not drugs, sex, or a woman’s age—money. We’re writing about where to spend it, how to save it, and who’s got the most of it (JK that would be absolutely inappropriate). We hope to have done it with some amount of tact and grace, but then again, that’s not really our style, so sorry if we’ve offended you with our coverage of $100 cheesesteaks (pg. 13).

If there’s one thing I’ve learned at Penn, it’s that money rules everything (and I will never get a marketing internship that will pay close to investment banking). Your social life depends on it, your coffee order depends on it, your ability to save 20 minutes by cabbing to class at the PMA instead of walking depends on it. And yet we never talk about it outside of asking someone to “just venmo me.”

As always, Street wants you to start talking. If you are forced to get coffee with some younger/older member of whatever organization you joined this semester, here’s a juicy and controversial conversation topic. Start small, maybe with how expensive HubBub’s lattes are, and when the moment is right, tackle financial aid and the gap between what covers tuition and lifestyle (pg. 10). Plus we’ve got you covered on everything in between. And as our gift to you, keep this magazine—fo' free.

word on the street, overheard at penn, round up, if hb had a million dollars

4 EGO

ego of the week, going out for less

LOL

LOL

LOL

6 MUSIC

money in the music industry, some reviews or something

8 FILM

movie money timeline

10 FEATURE

the real cost of penn

13 FOOD & DRINK

expensive eats, philly staycation, how to stretch your dough

15 ARTS LOL

LOL

how much this painting cost gurl, how to make money at being fartsy, contrapposto

18 LOWBROW

where your tuition goes, venmo money mo problems, penn currency

20 BACKPAGE

random things about money

JOIN STREET TONIGHT FOR A HALF HOUR OF DEBAUCHERY, WORDS, NAKED SIAMESE TWINS, FREAKY SCARY P0RN, BUTTERED POPCORN, FOOT STEW, ANIMAL CARCASS DRESS–UP AND DEMON SUMMONING

4015 WALNUT, 6:30 PM (it's just a writers' meeting)

34TH STREET MAGAZINE Chloe Bower, Editor–in–Chief Patrick Ford-Matz, Managing Editor Abigail Koffler, Digital Director Margot Halpern, Design Editor Sarah Tse, Photo Editor Byrne Fahey, Assistant Design Ling Zhou, Assistant Design Conor Cook, Assistant Photo Julia Liebergall, Highbrow Alex Sternlicht, Highbrow Nicole Malick, Ego Randi Kramer, Ego Emily Marcus, Food and Drink Ryan Zahalka, Food and Drink 2

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Cassandra Kyriazis, Film and TV Casey Quackenbush, Film and TV Michelle Ma, Features Zacchiaus McKee, Features Ariela Osuna, Music Lucy Hovanisyan, Music Ciara Stein, Arts Molly Collett, Arts Emma Soren, Lowbrow Patrick Del Valle, Lowbrow Marley Coyne, Backpage Emily Johns, Copy Clare Lombardo, Copy Justin Sheen, Copy

Alyssa Berlin, Web Producer Katie Hartman, Web Producer Giulia Imholte, Web Producer Lauren Greenberg, Social Media Sophia Fischler-Gottfried, Assistant Social Media Rosa Escandon, Multimedia COVER DESIGN: Margot Halpern BACKPAGE DESIGN: Byrne Fahey Contributors: Charles Davis, Diane Bayeux, Bethany Christy, Michael Gu, Rachel Rubin, Mark Paraskevas, Seamus Powers, Caroline Quigley, Solomon Bass, Yuqian Li, Anna Resenfeld, Willie Stern, Sam "Fucking" Brodey, Rachel Rubin, Lauren Lauer, Joanna Glum, Aidan Pongrace

Contacting 34th Street Magazine: If you have questions, comments, complaints or letters to the editor, email Chloe Bower, Editor–in–Chief, at bower@34st.com. You can also call us at (215) 8986585. To place an ad, call (215) 898-6581.

VISIT OUR WEB SITE: www.34st.com "I AM excited, Dad! I AM! RUDE!!!!!! 4K!!!!!" ©2014 34th Street Magazine, The Daily Pennsylvanian, Inc. No part may be reproduced in whole or in part without the express, written consent of the editors (but I bet we will give you the a-okay.) All rights reserved. 34th Street Magazine is published by The Daily Pennsylvanian, Inc., 4015 Walnut St., Philadelphia, Pa., 19104, every Thursday

HIGHBROW

IF HIGHBROW HAD A MILLION DOLLARS wordonthestreet Here's how much of it we'd shell out to see each of these things go down.

THEOS and Sammy breakdance to “Hava Negilah”: $$ Apparently Sammy has attracted some diversity, but who doesn’t love having your bros throw you around in a chair? We’re looking for a reunion for the Sigma Alpha Muchachos of now and yesteryear.

Is it easier to do the worm in cargo pants or skinny jeans?

Penn Stud Gov doing less: $$$$ After live–streaming your UA trial a la OJ Simpson, please #freePenn from your antics. Why are you doing so much now when everyone knows you don’t really do anything? (Ed. note: Oh. Snap.)

Stormstager 2.0: $$ Remember when that crazy kid jumped on stage during Tiesto @Fling2012? We’d love to watch another Wild One Guettarrested.

Penne becomes BYO: $$$$ This might be crushing for the master sommelier who happens to be Penne’s general manager (true story, look it up!) but we are in dire need of a campus BYO that’s not Beijing. Let’s be real, Penne: your food would be so much better if it was accompanied by copious amounts of Bankers.

Amy Gutmann existing outside of the internet/student–run publications: $$$ This is kind of self–explanatory, but we’re dying to see what your highlights look like in real life.

Tabard becoming part of the Panhellenic community: $ What would happen? Who would supply us with lunch and endless Round Up gossip? What would their letters be? But really, who would give a shit?

THEROUNDUP Highbrow’s starting a new senior society. You want in? Sorry, we’re not looking for Greek “leaders” or overhyped athletes. No, we’re only tapping the juiciest pieces of gossip to rock this side of the Schuylkill. So grab your hoods and chalk, because it’s going to be a super–exclusive ride. And yes, we haze. With public humiliation.

Speaking of senior societies, half of the junior class was tapped by a new coterie of upperclassmen: Jigsaw. However, the excited puzzle pieces were dismayed to realize that the entire act was a mere April Fool’s day prank. While the jokester remains at large, one thing is certan: you’ll never be that cool, and the only thing you’ll be tapped by is your next sexual partner. If you’re even that lucky.

Everyone knows that housing is stressful, but for one group of freshmen girls, the struggle was real. The betches found themselves in a bind for an eighth roommate for their off–campus lair. Unable to find an available freshman scenester, the girls turned to the next best thing: the Class of 2018. Highbrow hears that a pre– frosh was enlisted to co–sign the lease, but that doesn’t mean she’s giving up her future Riepe single. Instead, she will use the off–campus room as a closet before moving in sophomore year. Where else would she put her trust fund? Sorry that was harsh, but she doesn’t even go here—yet.

While we’re on the subject of trust funds, two freshmen deposited theirs into the capable hands of Lyn (of Lyn’s food truck). Strapped for smaller bills, the egg– lovers paid for their sandwiches with some hefty Benjamins — yes, as in $100 notes. We know BFrank is our mascot, but this may be taking school spirit a little too far. Oh well, at least Lyn had a good weekend.

Ultra Music Festival may have sent some rave-loving Quakers down south, but one UMiami bro brought the ratchet to us. For some inexplicable reason, the Hurricane forewent one of the world’s best music festivals in favor of a Phi Psi party. Following standard blackout protocol, the Southern gent stumbled to TriDelt, where he relieved himself atop their Poland Spring cooler jugs. We’ll classify this as ultra–embarrassing, but at least he returned to the Sunshine State the next day.

over heard PENN at

JAP: How does Ernest Owens have a boyfriend and I don’t? (Ed. Note: Ernest also was selected for EOTW and you weren't.)

Guy on Locust: They couldn’t get acutal drugs, so she took a horse tranquilizer.

Pledge: My Tinder standards are, like, not as low as my real standards.

Hipster: Once I realized they were in Pikapp I was like ‘WTF’ because I thought they went to Drexel.

THE LUCKY ONES

BY CLARE LOMBARDO Last Thursday, Penn released its regular admission decisions for the class of 2018. Only 9.9% of the 35,868 applicants were accepted.

When they arrive here in the fall, they’ll be greeted as the “best and the brightest”—but I’m not sure this is the whole truth.

Most of us would like to think that we got into Penn because we worked hard in high school. And we did. We love to talk about our academic achievements, our AP classes. But what we don’t like to talk about is the equity of money and hard work as conditions of our acceptance.

When I was little, my parents had the time to read to me at night from the books that stocked our shelves. They sent me to a preschool where I played with the children of university professors and learned to read before even starting kindergarten. I took an SAT prep course in high school. My parents invested their money and their time into my education. I listed none of these advantages on my college application—but they molded me as a student worthy of an Ivy League acceptance.

I came to Penn from a public school near Atlanta without knowing anyone, baffled by how many people came with connections from school, camp and summer programs.

But should I have been?

Before coming to college, I thought of Penn and our peer institutions as places where students from all walks of life could earn a spot.

Now that I'm enrolled, I’ve realized that landing here depends on more than just merit.

Prior connections and socioeconomic status shape Penn’s social climate long before acceptance letters arrive in the mail.

Many of my talented and hard–working classmates from high school stayed in Georgia to take advantage of in–state scholarships. The colossal price tags of schools like Penn barred them from applying, despite their qualifications. I can’t help but wonder how many would have gone to Ivy League schools if the cost were more reasonable.

We all overcame great obstacles to earn our Penn acceptances. For many, money wasn't one of them. Penn’s admissions process may be need–blind, but its definition of “achievement” is tied to access to money and the opportunities money can buy. Yes, we are among the “best and the brightest,” but many of us are also the luckiest.

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EGO

WILL SMITH, NICOLE WEBSTER, €GO$OF THE WEEK: NIKITA ANAND AND KATE GOLDENBERG

These seniors want YOU to invest in Penn’s future. The Co–Chairs of Seniors for the Penn Fund ask for donations and channel them into every corner of our school. They’re shooting for 1,740 donations—they’re more interested in senior involvement than the bottom line.

Street: Give us one plug for why we should donate.

Kate Goldenberg: Think about what Penn gave to you in your four years— don’t you want to invest in that and give that to someone else?

Nicole Webster: It’s just investing in the Penn brand. If you want your degree to be valuable 10 years from now, you need to stay involved and be an active young alumni.

Will Smith: Don’t be stingy.

Street: What made you want to be the faces of the Penn Fund?

WS: All of my friends always did it, so I always just thought it was the natural progression where washed– up members of student government went. When you’re no longer relevant in those circles, you start doing this, to make sure the relevant people currently have the resources.

Street: Where do you personally think the money should go?

Nikita Anand: Financial Aid. And another part should go to getting really cool faculty.

KG: Something about housing on campus. They could really do some extermination and fix up the

rooms.

WS: I’d want a restaurant.

Like an Italian restaurant, that serves macaroni and cheese or something. [Ed. note: #penne] Street: If Seniors for the Penn Fund had a mascot, who or what would it be?

NA: A margarita.

NW: We founded a chapter of a sorority. Called MARGS. WS: Mu Alpha Rho Gamma Sigma.

NA: We have chapter at Copa.

Street: What’s the one thing you splurge on?

WS: Sometimes I like to order–in Steven Starr to my room. Just like, mac and cheese and grilled cheese from Jones. Which is really obnoxious.

NA: This is going to be so cliche and I hate myself for saying this but...shoes.

KG: Denim. I feel really strongly about what jeans I wear. I have an absurd—I’m not going to tell you—a disgusting amount of jeans.

NW: Concerts.

Street: What was the last thing you bought?

NA: Oh man, a margarita.

Specifically peach from Copa.

KG: Same!

NW: I bought a Long Island.

WS: A margarita...

Street: Salt or sugar on the rim?

NA: Salt. Always salt.

KG: I get sugar, and we decided that was indicative of our personalities.

Street: Fill in the blank: There are two types of people at Penn...

KG: Those who donate to

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Seniors for the Penn Fund and those who do not. Givers and takers.

WS: People who think they Copa and people who actually Copa.

NW: Student government kids versus everyone else.

NA: Those who are “scene” and those who are “un– scene.”

Street: Fill in the blank: My PennCard looks like...

WS: Shit. It’s like, falling apart. It’s my first one. It’s cracked, the stuff’s peeling.

It hardly swipes anymore.

NA: My hair is fuzzy because there was beer in the picture. Because I literally had to crop out a beer can for this picture.

KG: Mine looks pristine.

Street: If you had a million dollars, what would you buy?

WS: My own airplane.

NA: One, a chef to cook me whatever I wanted and, two, someone who would play music and walk around with me.

KG: I would buy a house in the Greek islands.

NW: I would want a personal concert everyday. I would just pay to have all of my favorite artists.

Street: If you could have a Penn building named after you, which one would you choose?

WS: I would go with College Hall. Make sure that Amy remembers who she is working for.

KG: I would do McNeil.

It’s so ugly and bizarrely designed inside.

NW: Addams. I spend a lot of time there.

NA: Locust Walk. I would renovate Locust Walk. Nikita’s Stride of Pride.

EGO

Tired of spending way too much money each time you get ready to rage? We feel you...Try some of these frugal alternatives and still have a blast.

...DO THIS

INSTEAD OF...

Dropping $30 on cabs alone from to the BYO to the pregame to the downtown to the late night to the Quad.

Spending $12 at the bar for Coca–Cola and an ounce of rum for that gal/guy who's just not even worth it.

Paying $25 to forget to eat at a Charles Plaza BYO.

Spending $30 on that “sweet” button–down or Tobi dress that doesn't really even fit.

Cabbing back with three geeds, four randos, nine greeks and seven UA members, paying for the whole thing and never getting that Venmo charge back.

Check out the walking–distance BYOs on campus like Saigon (Chestnut and 40th streets), RX: The Farmacy (44th and Spruce streets) or even Beijing (37th and Spruce streets). Yes, Beijing.

Take the Penn Student Agencies bartending course and learn to make your own drinks. Your crush will be WAY more impressed.

Host a potluck dinner with your friends. Have everyone bring food (that will actually be eaten) and a drink of their choosing!

Have a clothing swap with your friends: mi closet es su closet.

SEPTA there, cab back to save a few. And if your friends are true Venmo mooches... suggest calling PennRide, (215) 898–RIDE (7433), for a free ride back!

Spending $10 on Distrito frozen margaritas until you're young, wild and free enough to buy a round for your whole group.

Keep an eye out for their special events—discounted drink nights happen almost every month! And you can't forget about $2 Taco Tuesdays.

Handing over $2 for the Smokes' cover, then losing track of how many $4 drinks you buy and $9 pitchers you share, when all you really wanted to do was watch a movie.

Forget all the "gotta show face" nonsense: Thursday nights are discount nights (only $5.50!) at the (better, kind of ) Rave, and the Ritz Theaters downtown have student prices every night (a cool $7.75).

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ST

FILM

FILM

How Penn Students Watch Movies

MONEY AN ECONOMIC HISTORY IN FILM Borrow from Library DO YOU PAYMOVIES: PER VIEW? Because who wants to take “History of American Capitalism” when you can just watch a bunch of movies instead?

Film polled you to find out how you are getting your Sunday afternoon ANTHONY movie fixes. Here’s we learned.

“City what Lights”: Charlie BY Chaplin’s LittleKHAYKIN

1931

T

blind flower girlwewhoyou guess then that Penn stuhough we Tramp all knowfalls thein love watchwith Hugoa in theaters.

And mistakes him foris a wealthy A charade ensues that Internet for porngentleman. fit this mold of overworked Ivydis-dents would prefer to get their plays not onlyAvenue heart–warming by a man with heart ofRomCom fix online with free (thanks Q), the courtship League students well, witha only gold, butisalso experiences “the other of theundergrads tracks,” min-streaming websites like SideReel bedroom no his longer the onlyon about 17%side of Penn area being ceded digital terrimoviesChaplin at the Rave ev- theand Ch131 rather than pay for gling with the to absurdly wealthywatching of the town. makes tory.

For every girl with daddy’s ery semester. audience acutely aware of the frivolous waste of the rich in thisservices provided by Netflix and AmEx, window browsing onmore focused But howon about other depression era film, which is truththe than thesteescap-Redbox?

Fifth Avenue been replaced reotype, the one that says all colWhile 75% of us watch movist fare of itshas generation. with online shopping. And lege students are poor? The free ies online, nearly 50% pay for FYEs everywhere have virtu- movement of information made it. I hear Horrible Bosses — a ally been rendered useless (pun possible by the interweb makes new release on iTunes — is hysintended) with the existence of terical, but is Whose recommendations do you take? the multifarious iTunes store. it worth the 50 Things are no different here 1.5 salads at 47.7% Other at Penn, where the Rave gets Sweetgreen 40% 40 A Friend nearly half the traffic for the it would CinemaYears Studies “The Best of Our midnight screenings of blockhave cost if 30 Major 26.2% 25% 25%Lives”: A post–war film conbuster hits like Twilight as Hulu I had seen it Professor or TA 20 cerned with the stories of three does the day after the newest in theaters?

Street recently–returned veterans and their respective loved ones. While episode of 30 Rock airs. This Ramennot noo10 *Students surveyed were allowed to choose more makes sense. We Penn students dles aren’t specifically about the economy, the film sheds light than one option.

0 are too busy procrastinating that bad, on post–war economic possibilities, using one I on Penn InTouch and designguess. main character’s occupation as a bank loan officer ing funny lacrosse pinnies for entertainment accessible average Penn to express that and while theThe US economy was onstudent the the clubs we’re involved in to inexpensive to anyonethe with an (who anything upswing, returning vetsishad a less but thanaverage, lucra- if leave the comfort of our beds to AirPennNet tive account.

Wouldn’t you ask Amy Gutmann) watchreturn to the job market.

1946

24.6%

Don't Watch Movies

Theaters “On the Waterfront”: “I coulda’ Free aStreaming had class. I coulda’ been contender. I 47.7% 16.9% coulda’ been somebody instead of a bum, which is what Paid Online Services I am.” While many films of the fifties were focused on what appeared to be impending doom via the approach9.2% ing Cold War and McCarthy–era persecutions, “On the Waterfront” stands as a glaringly realistic account of union and labor conditions 1.5% in a world of work riddled with corruption and shady economic politics.

1954

Why do you go to the movies?

3.1%

6.3%

Other It's a way to hang out with friends

25%

40.6%

It's a good study break It makes you feel relaxed and happy

25%

Required for Class

es seven movies, more or less, every semester. Simple arithme- Cowboy”: The economic ex“Midnight tic proves that it’spanse $40 cheaper of the sixties precluded any discussion of toeconomic watch said movies on ix but when the end of the decade depressions inNetfl society, than at the Rave, and an addirolled along (and the Hollywood Code was abandoned), filmtional $20took lesson onthe iTunes (cost makers society of film as their peers took on the ofworld: popcorn and Mike and with counterculture.Ikes Detailing the trials and tribulations not included in these calculaof a would–be male prostitute and his dying friend, this film tions). The low cost of watchtakes a turn from the earlier offerings of the decade and shows ing seven movies on iTunes for Total amount the sad reality for a growing class of >> unemployed citizens. of less than 30 bucks is worth the money spent in movie many conveniences that online

by Penn

BY JOANNA GLUM theaters* AND CASSANDRA KYRIAZIS paid services afford us: not bestudents each semester ing interrupted by incessant buffering and commercials, the immunity to computer viruses and most importantly, not havA N D T H E ing to wait 54 minutes after >> Total amount of watching 72 minutes of a movie money spent watching on Megavideo. online, if all people who Not to mention, it’s a small paid for online services price to pay when you look at iTunes* the big pictureNoted — the combined BZBI’s First Annual Lecture scholar, Professor used in Jewish Thought and savings of theEli47.7% of Penn Zaretsky (author Psychoanalysis of online the students who of paySecrets for their Sunday, April 27, 4 PM Socialtoand services ratherSoul: thanAgoing the History of movie theaterCultural is somewhere beOPEN TO ALL • $15 or Psychoanalysis), will tween $196,136 and $295,344, >>$5Total amount of ID for students with valid guide us on through a fascinating depending whether they use 300 S. 18th St., Phila. money spent watching part past andrespectively. present in this Netfl ixoforouriTunes, Register at bzbi.org online, if all people who new of lecture seriesis: devoted to the Moral the story we won't paid for online services cultural, andinconceptual judge if youhistoric, just stay bed. used Netflix*

1969

BY THE NUMBERS

$153,701

Freud, Moses

34TH STREET Magazine December 1, 2011

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interfaces between Jewish and Psychoanalytic thinking.sample *A simple random

*$12.50/ticket at the Rave of 100 Penn undergrads were *$3.99 to rent a movie on iTunes surveyed to collect data about There’s a lot more to learn at www.JewishThoughtandPsychoanalysis.com *$7.99/month on Netflix their film viewing habits.

FILM

2000

“Boiler Room”: This is actually the original Jordan Belfort movie, based on interviews with Belfort and his colleagues about their failed firm Stratton Oakmont. Starring Giovanni Ribisi, Ben Affleck and the inimitable Vin Diesel, the film follows protagonist Ribisi through shady dealings with a seemingly legitimate brokerage firm until, suprise! It all comes crashing down and somebody gets indicted by the FBI. Another attempt at creating conscience during a time of excess and the dot com bubble.

2006

“The One Percent”: A documentary about exactly what it sounds like: the one percent. It features interviews from Milton Friedman all the way to Ralph Nader. This documentary coined the very term that brought everyone’s attention to the fact that one percent of the United States controlled 42.2% of its total financial wealth.

1987

“Wall Street”: You know what it’s about: ruthless Wall Street player Gordon Gekko (Michael Douglas) takes up–and–coming young stockbroker Bud Fox (Charlie Sheen) under his wing, but soon all goes to hell, morals are compromised and we’re left wondering: is greed really good?! It also left audiences with a conscience when Black Monday hit the market in real life in October of the same year.

2010

“The Inside Job” (2010): This supposedly all–encompassing documentary about the 2007 financial crisis looks to explain how shifts in policy and banking in the US created the “recession” from which swaths of the country are still recovering. Plus, the first of the five parts of the doc, “How We Got Here,” essentially explains the economic history that the other 10 movies on this list tells. We feel obsolete.

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F E AT U R E

We don’t like to talk about money here. But for students who struggle to afford life at Penn, it’s unavoidable. By Sam Brodey

t adds up. It’s hard to reduce each person’s unique college experience to three words, but from a strictly factual standpoint, these are perfect. Being at Penn is expensive, period. Forget tuition, rent, books—between seminars and problem sets, there are coffees to drink, Chipotle burritos to eat, weekends to be spent out, clubs and Greek organizations to join. Imagine, for a minute, that someone could show you the amount of money you’ve spent here.

Would you want to know? For some students, there’s no choice but to know. They arrive at Penn and find out, sooner or later, that they can’t keep up with the cost of living and never will.

Sure, the education itself has become more accessible. Penn, buoyed by its billions, has used financial aid to bring in talented students of middle– and working–class backgrounds who couldn’t afford an elite education otherwise. That generous financial aid, though, often stops at tuition—you might get rent and meals if your package allows for them. And beyond even the biggest awards, life goes on outside the dining hall and the college house. What then?

The students featured here have had to navigate this campus, which can be so preoccupied with status and spending, with far less money than most. They’re deeply different and fall on a broad economic spectrum: they’re immigrants, sorority girls, part–time workers, sons of housekeepers and daughters of teachers. But together, they tell the story of a side of Penn that isn’t often talked about. It’s a story of awkward conversations, Excel spreadsheets cataloging each and every expense and that nagging thought, before you go to bed, of that drink you bought weeks ago that you shouldn’t have.

For most of these students, who generally did not come from cultures of wealth and privilege, arriving at Penn was a culture shock. Jessica*, who is affiliated with The Daily Pennsylvanian, came to Penn on the strength of her financial aid offer, but found that the money didn’t help with day–to–day life. “Freshman year was the most difficult,” she says. “When you make friends, you can’t just say, ‘oh, I can’t come to your birthday dinner, I don’t have 20 bucks.’ It’s 20 bucks, it shouldn’t be a big deal.” “It’s hard to explain things like this to my friends,” she says. “It’s not that I couldn’t trust [them]. I just didn’t want to be seen that way.”

Daniel* came from a socioeconomically diverse public school where his peers were just as likely to live in mansions as trailer parks. He came to Penn on substantial financial aid and with a

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goal to manage his money effectively. But he was taken aback at the spending habits of Penn students. “It takes a lot to rattle me, it wasn’t something that shocked me—it was just a cultural thing I noticed,” he says. He remembers suggesting going to Commons on an average night, and his friends suggested dinner at Pod. “I try to get whatever’s cheapest,” he says. “The way we live at Penn is not the way a normal 20–year–old should be living.”

For College senior Robert Franco, being unable to keep up with the high cost of social life was enough to make him consider leaving. Robert comes from a working–class neighborhood in North Philadelphia, but grew up following his mother around Penn, where she is a custodial worker. “When I did matriculate as an undergrad student, it definitely was a culture shock,” he says. “I remember when Gia Pronto was still a thing to go to...

Gia’s really expensive! I could never go to that. And late night Wawa runs and stuff.” He seriously considered transferring out to another Philadelphia university where his friends were. “I felt like, maybe if I left, I wouldn’t have to worry about money, or social stuff,” he explains. Ultimately, Robert’s parents convinced him to stay. He says they reminded him “the opportunities provided here at Penn you can’t find at any other school in Philly.

I’m glad I stayed for that.”

None of these students take participating in the average Penn lifestyle for granted—from big expenses to small ones. For them, engagement hinges on planning, hard work and sacrifices. Between her clubs, her sorority and her friends, Jessica is a typically busy Penn student. But since her parents can’t afford to contribute anything, she works part–time to make her lifestyle possible, in addition to taking out a considerable amount in loans. To her, every spending decision, big or small, is a question of: do I want to spend another day paying off loans? Or another hour in a Wharton behavioral lab? Generally, she says, “I try to work 15 hours a week, which is 15 hours I’m not doing homework, or sleeping or whatever. I have to compete with people who have the luxury of not having to do that. It changes the way you see earning money.”

Loans, though hard to swallow, are necessary to stay above water. “When I’m taking these loans out, I’m taking them to be at the bare minimum, it’s like, I’m not taking loans out to go to Smokes’.” No matter how well Jessica manages her situation, she believes some things will always be out of reach. “I’ve just accepted that I can never go out and get a drink and not worry

about it. I went out...with my friend and I spent $12 on a drink.

It was three weeks ago and I’m still thinking about it.”

Like Jessica, Robert’s financial aid allows him to attend Penn, but loans make the rest possible. He could’ve commuted from his home in North Philadelphia, but—worried about missing out on student culture by not living on campus—he decided to take out loans to afford it. “I’m in debt mostly so that I could be on campus and be a full–time Penn student,” he says.

Daniel hasn’t had to take these kinds of measures. He says his parents work hard to make sure he has what he needs, but

When I’m taking these loans out, I’m taking them to be at the bare minimum. I’m not taking loans out to go to Smoke’s.

he still must make sacrifices and tough decisions compared to most in his social circle. Freshman year, he joined an off–campus Greek organization, where dues are high and members tend to hail from privileged, affluent backgrounds. Daniel sold his parents on the professional benefits of joining a group like this one, and they contribute to his dues, with occasional help from extended family.

But that’s just getting in the door. “The kids in my frat go downtown every single week,” Daniel says. “When you go downtown, it’s $10 for cab, $10 back...every time you go downtown it’s at least $100. I’m not really into that whole scene.” On the occasions he does go, he drinks beforehand to avoid spending money on expensive drinks and bottle service. “You are able to do things wealthy people do, you just have to find a way to do it cheaply.” But spring break—an institution in his house— complicated that. Finding the money for a $1,500 trip, he says, required planning nearly a year in advance. “I told my parents, don’t get me anything for Christmas, no birthday presents.”

Rachel*, who would be considered middle–class almost anywhere but here, manages her funds more intensely than most.

“I’ve always been frugal, and it doesn’t necessarily bother me that I’ve had to keep tight constraints on my budget,” she says. Nevertheless, she explains, “I have ridiculous spreadsheets on my computer, all of what I spend on groceries for the week, divided by the number of weeks that I’ve lived here, so that I can keep

track of where I am...It’s a little ridiculous,” she says, laughing.

One of those spreadsheets is for the sorority she joined her freshman year. Navigating sorority life, with its dues and numerous out–of–pocket expenses, is challenging. “Thus far this year, God, with big–little week it’s over $1,000 that I’ve spent on a sorority.” She is quick to put her situation in perspective: “It goes to show you that it’s not like I don’t have the means to do that, because if I truly was struggling in any way, I’d cut it out,” she says. “But it is tough.” To make things work, she almost never goes out to eat. Friends, she says, have basically stopped asking her to go out anywhere.

Despite their different backgrounds and ways of making ends meet, those featured here agreed that wealthier students don’t look down on or pity less wealthy ones, but seem almost unable to understand their lives.

Rachel brought up an illustrative example from a spring break conversation this year. She ran into a friend who asked about break, and she told him she planned to stay in Philly. According to Rachel, he said, “shit, that sucks!” She responded that she was looking forward to it, but he kept pressing the issue—saying “that’s so lame” or “why aren’t you going?” “He was going somewhere, PV, PC, I don’t know...I tried to give him every possible excuse without saying I don’t have $1,500 to spend on a week vacation.” She finally said that she couldn’t spend that much money, to which the friend responded, “oh...ok.”

Jessica has had plenty of similar experiences. “A lot of people have very strong assumptions that are very hard to combat,” she says. When talking to peers, Jessica explains, “If I say, ‘sorry, I don’t have money for this,’ they don’t get it. If they don’t have money, it’s that their parents forgot to put it in their account, not that it doesn’t exist.”

Ignorance about the lifestyles of socioeconomically diverse students appears to be a status quo around here, and it's one that this group would like to see changed. A difficult point, however, is that Penn students can engage in conversations on a number of issues, but money—and socioeconomic diversity—is a topic with which few are comfortable. Jessica feels that “other issues we talk about here are often not specific to one individual.” Students’ financial situations are highly personal and can change often; “I guess it’s too awkward and specific to bring up,” she says.

It’s unclear how to advance the conversation, but a few students pointed to advising as a potential avenue for improving the

socioeconomic dialogue on campus and helping students adjust.

Dr. Pamela Felder, a faculty member at the Graduate School of Education who specializes in diversity in higher education, feels that Penn has done well in accommodating students of diverse backgrounds and identifies advising as one of the university's strengths. At the same time, she says, “advising is certainly an area where we could do better—not just Penn, higher education in general—helping students find the resources to support their interests, and being facilitators in terms of making connections for students.”

As far as advising is concerned, Robert agrees more could be done. “There could be better mentoring in college houses,” he says, “or people in college houses that are aware of economic situations of people. I think that would go a long way.” Daniel believes that any improvements have to come from the student body. “I think...students that come from lower backgrounds need to realize they deserve to be here,” he says. He has a freshman friend from a similar background, and they often talk about how to live what he calls “the Penn lifestyle on a budget.”

Daniel says it’s helped boost his friend’s confidence, and feels he would’ve benefitted from that mentorship as a freshman.

Fundamentals of Collective Undergraduate Success (FOCUS), a new student group, is attempting to foster those kinds of relationships and fill a support void on campus, regardless of the student’s status or background. Azani Pinkney, a College senior, co–founded the group with the broad mission of promoting “undergraduate success” in a variety of ways. A part of the plan is facilitating student–to–student advising and providing students with upperclassman mentors. Beyond that, Azani hopes FOCUS will help improve the dialogue on socioeconomic diversity. “So much of what I feel like goes on at Penn in terms of culture here is about fighting silence and replacing it with cultures of understanding and communication.”

No one’s suggesting that more financial aid is the solution.

Still, students expressed hope that more communication will lead to freedom and comfort for socioeconomically diverse students, not more awkwardness and tension. For a number of reasons, talking about money in college is hard—but it doesn’t need to be as painful as it is. “Talking about this is liberating,” Jessica said. “We talk about everything so much. Why is this the one thing that people ignore?” *Students' names have been changed to protect their identities.

Sam Brodey is a senior from Los Angeles majoring in political science. He is the former managing editor of 34th Street Magazine.

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Breakfast: Reading Terminal Market (12th St. and Market) Who said being touristy was a bad thing? Reading Terminal provides amazing food options for every meal—and breakfast is no exception. I started the morning at Old City Coffee. I got the Mochaccino ($4.40), and the rich coffee and chocolate blend woke me right up. I also tried the hot apple cider ($3.95), which was equally tasty and perfect for warming up on a chilly morning. The wafting smell of Nutella drew me over to Profi’s Creperie, and thank God it did. The Nutella Strawberry Banana crepe ($7.50) puts our campus creperie to shame.

Lunch: Milk and Honey Market (518 South 4th St.)

In an effort to get out of the rain, I ducked into this adorable lunch spot. Though it looks like a simple coffee shop, Milk and Honey Market has an extensive menu that uses locally sourced ingredients. I opted for the chicken salad sandwich on multigrain ($7). The ingredients were fresh and flavorful, and I loved the use of pesto instead of traditional mayonnaise for the chicken salad. For those who don’t want to leave the Penn Bubble, try their University City location (4435 Baltimore Ave.). With everything on the menu coming in under $8, I’ll definitely be back soon.

Dinner: Koreana (3801 Chestnut St.) Exhausted from my day on the town, I made my way back to University City for dinner. I decided I needed to end the day with a little kick, courtesy of hot sauce and kimchi. Koreana’s menu offers a wide variety of options, which satisfied both my vegetarian friend and me. We chose the bibimbap ($7.25) with tofu instead of beef. The dish was warm and tasty, and offered just the heat I was looking for. With tax and tip, I came in right under the day’s budget.

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FOOD & DRINK

HOW TO S T R E T C H YOUR DOUGH WITHOUT STRAINING YOUR WALLET Because Pillsbury is the poor man’s Metro 1. Mold it: Pillsbury Crescent Bread Bowl

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Press dough to cover two 4.5–inch buttered tart pans. Prick all over (Ed. note: heh) with a fork and freeze until firm for about 10 minutes.

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If it’s nice out you can walk, but otherwise it’s a pain to get to via SEPTA, so you’re forced to fork out $20 for a cab there and back. Upon arrival you pay $14 as a student to enter the exhibitions. Should an institution that aims to be a civic space really cost us $34 per visit? I grew up in the United Kingdom where admissions to national museums are free, so handing over the bills always makes me cringe.

Plus, in a year I’ll be paying an additional $6 as an “Adult.”

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Admissions costs are often confusing; there are unspoken loopholes and exceptions (i.e. Art History majors get into the PMA for free). At the Metropolitan Museum of Art in New York the ticketing makes the $25 fee seem as though it is required rather than recommended. The

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majority of the city’s population. As Anderson, director of the DMA, said, “many taxpayers don’t have the disposable income to toss around for cultural endeavors. They’ve got to pay the bills, keep the kids clothed. They have serious issues. And I don’t want an admission fee to be an obstacle to them.”

Essentially, it boils down to whether museums should concentrate on producing profits, or whether they should be free collective resources.

Glenn D. Lowry, director of the Museum of Modern Art, maintains, “it’s almost a moral duty that museums should be free.” Meanwhile, Phillippe de Montebello, director of the Met, argues that people pay “huge amounts of money” to attend concerts and sporting events. He questioned, “What is it about art that it shouldn’t be paid for?”

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word “recommended” is in a smaller, easily missable font, and the attendant will ring you up for the full price unless you specify otherwise. Similar to the Pay–What–You–Wish Wednesdays at the PMA, a donation of $1 will earn you a judgmental stare down.

The Met has approximately six million visitors annually, and 40% of them pay the full price ticket.

A 2011 survey by The Art Newspaper revealed that the art museums of smaller cities tended to be free while those of larger cities tended to have higher entry fees. The study argued that museums in major cities focus on tourists and thus they charge accordingly. Meanwhile, cities with less “tourism desirability” rely on returning local visitors.

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How much an ivy league education (and president) is worth. Salaries reflect annual figures.

Dartmouth

Jim Yong Kim — $917,625 Cost of Attendance — $57,998 Average Financial Aid Package —$42,419 Percent on Aid — 45.1% Endowment — $3.7 billion Return on Investment — $1,262,000

Harvard

Drew Faust — $874,559 Cost of Attendance — $51,206 Average Financial Aid Package — $44,053 Percent on Aid — 60% Endowment — $32.3 billion Return on Investment — $1,334,000

Brown

Penn

Amy Gutmann — $2,091,764 Cost of Attendance — $58,812 Average Financial Aid Package — $41,135 Percent on Aid — 45% Endowment — $7.7 billion Return on Investment Over 30 years — $1,220,300

Cornell

David J. Skorton — $854,082 Cost of Attendance — $53,468 Average Financial Aid Package — $40,942 Percent on Aid — 50.4% Endowment — $5.3 billion Return on Investment — $1,117,000

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Columbia

Lee C. Bollinger — $2,327,344 Cost of Attendance — $59,355 Average Financial Aid Package — $39,674 Percent on Aid — 50% Endowment — $8.2 billion Return on Investment — $1,175,000

Princeton

Shirley Tilghman — $935,326 Cost of Attendance — $53,250 Average Financial Aid Package — $39,700 Percent on Aid — 60% Endowment — $18.2 billion Return on Investment — $1,234,000

Ruth Simmons — $1,292,110 Cost of Attendance — $55,016 Average Financial Aid Package —$40,209 Percent on Aid — 46% Endowment — $2.7 billion Return on Investment — $1,118,000

Yale

Richard C. Levin — $1,652,543 Cost of Attendance — $58,812 Average Financial Aid Package — $41,135 Percent on Aid — 55% Endowment — $20.8 billion Return on Investment — $954,300

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