I do live in an HOA. Sometimes I question where my money is actually going, and then other times I question why we're not spending money on certain things. I've been asked to be on the board very recently, but I don't have control of when I get home from work, so it's essentially an impossibility to meet the meetings. I'm paying $260 /mo which covers a local and master HOA, and then it's going up at least $50 next year because of the wildfire and we ended up owing ourselves 17k due to increased insurance costs.
We have extensive lawn maintenance, snow removal, trash is included, but we're really behind on things like landscaping; I actually just landscape my own section and no one cares., and some of the HOA board members also just landscape without asking for permission too. We're considered a "premiere" HOA in town, so it's funny to see that we can't landscape worth crap due to two natural disasters [wildfire and a very expensive hailstorm]