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Sale Cereal

Cereal image via Wylio http://www.wylio.com/credits/Flickr/5399595876
Cereal image via Wylio http://www.wylio.com/credits/Flickr/5399595876

There were two people in front of me in line at the Starbucks by my house: one, a stocky, stump-of-a man, the other, a plush, I-bedazzled-my-iPhone Latina. I looked at the patterned taupe and gunmetal tile, and traced the edges with my eyes until the barista called out.

“I can help whoever’s next.” Which was me. I walked to the counter.

“Do you guys have for-here mugs?” I asked, slinging my messenger bag to the front of my chest, and pulling out my brown, leather wallet, the one my students told me only balding men should own.

“Yeah, what did you want?”

“Perfect,” I said. I was going to stay for a couple hours and start on a story I’d been flirting with since the week before. “Can I get a grande black coffee?”

“Yeah, it’ll be $1.85.” While she went to fill the cup, I opened my tri-fold Geoffrey Beene and pulled out my blue, Chase debit card. She set the steaming coffee on the counter between us.

“Did you want a receipt?” she asked, as she confidently swiped the plastic.

“No, it’s fine, thanks.”

She bit her bottom lip first, then lifted her gaze to my unassuming face. When she started looking at me softly, like I was some sort of oft-beaten puppy, I knew what was coming.

“I’m so sorry,” she whispered, “but your card’s been declined.” I offered a solution.

“Huh. Want to try it again?” Unsurprisingly, nothing changed, save her face, which only contorted more.

“Weird,” I said. The steam tauntingly danced on my cheeks. “Let me go check with my bank and figure it out.” I walked to a table, leaving the coffee, and pulled out my computer. After entering my username and password, my statement appeared on the screen.

“Available Balance: -$10.41,” it read.

Post-grad poverty is a haughty, heavy-handed, love-hating asshole, because it reminds you of a few things: your years studying Dostoevsky and Brueggemann, while enjoyable, have left you surprisingly unmarketable; often, you can’t afford coffee, let alone anything but the sale cereal; you’ve got to stop guessing how much money you have left in your account.

Luckily, I had positive fifteen dollars in savings, which I immediately transferred.

“Available Balance: $4.59.”  I smiled: nice try, Chase bank. I walked back to the counter.

“Funniest thing,” I told her. “It should work this time.” I returned to my table, coffee in hand.

A month ago, I was talking to one of my students at lunch. He was freeing a pre-packaged, rectangular piece of pizza from its decidedly hazardous plastic wrap. He gave me his apple, which he did every day. “Every good teacher needs an apple,” he explained the first time he handed me one.

“How was your night?” I asked, taking his trash so he could start eating.

“Good,” he said. “The power went, so it was dark.”

“Oh, no way! I didn’t hear about that on the news. Was it out all over National?” He chewed the cheese, pseudo-sausage, and bread-ish crust of his lunch.

“Huh-uh. We couldn’t pay the bill, so it just shut off,” he said, nonchalantly, and kept chewing.

“Oh,” I said. “Does that happen a lot?” He replied without hesitation.

“Yeah, like once a month.” The bell rang, and we fist-bumped before he walked away.

“See you after school, bud.”

“Alright, then.”

For my middle-class friends — the ones who have snuggled into comfortably paying, socially respected careers—the post-grad years of scraping by, of wrangling coins for groceries and beer — become cutely nostalgic. “Remember when we’d eat Ramen all the time, and could only go out during happy hour, and got clothes at Target?” Now sipping $60 bottles of wine and donning designer jeans, these years become testament to their ability to do it—the whole poverty thing—as if it’s some sort of game, some trial-by-fire, a stepping stone to real, adult life.

My problem is that, for many, it’s not seasonal: the lights go off every month for years, the cards are always declined, pulling on those mythical bootstraps isn’t really an option. Aside from the whole I-want-to-get-married-someday thing, this is probably why I’m a democrat, because I work in the communities that are supposed to benefit from trickle-down economics. Here’s a little secret, though: they don’t. They’re stuck, and not because they lack motivation, but because they haven’t been afforded the same opportunities for success. Poverty preys on their prayers.

I was on a first-and-last date a while ago, and when I told him where I work, his reaction was telling.

“Oh, that’s, like, really ghetto, right?” 

No, I explained: It’s National City, and it’s beautiful.

Todd Clayton is an AmeriCorps service member, working in National City, Calif., as a mentor for violent, underserved, minority youth. Read more of Todd's writing on his blog HERE.

 

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by: jlynch

01-23-2012 @ 4:06pm

This guy has some serious talent with his words.....I highly recoment you check out his other writing: http://toddandrewclayton.com/ ....my personal favorite: http://toddandrewclayton.com/2012/01/06/i-didnt-call-her-a-bitch/ and if you have the time, this one is pretty awesome as well: http://toddandrewclayton.com/2011/12/08/unassuming-suspects/

by: SLMeyer

01-23-2012 @ 10:15pm

If you don't even have $1.85 for a cup of coffee, perhaps you don't need to be in Starbucks. And that $4.59 you had leftover after the transfer will no doubt go towards an overdraft fee. But of course, it's not your fault for not knowing your available balance. You're just way too busy to be concerned about how your failure to manage your own life has negative consequences. It's sad how a lack of personal responsibility in your life has made you unmarketable, but it's nobody's fault but your own. The world doesn't owe you a living, so please do something about it instead of just complaining.

by: kenny.latta

01-25-2012 @ 10:49am

Excellent post. Thank you for sharing.

I am a post-graduate volunteer teacher as well, working for room and board and stipend, so I know the experience of seeing that bank account balance hover close to (or below) zero. There's a strange kind of embarrassment and indignity that comes along with those single-digit numbers, and I always have to remind myself that this sensation - feeling less-than because of my poverty - is something that my students and their families deal with every day. And not by choice.

Anyway, thanks for putting this into words. And thanks for reminding us that post-grad poverty isn't something to wear like a badge of honor into our future. It's the constant reality faced by so many people in our country, and it's tragic.

by: bridgetc47

01-27-2012 @ 9:48am

I know this is going to be unpopular. So be it.


Balancing your checkbook - especially if you have on line access - is not rocket science and it's not the first step on the road to Wall Street. I promise you you can do it and still be a democrat.


It's good stewardship.


You're also telling me that you're taking an apple daily from a kid who's own food security is probably iffy. It's wonderful that you're letting him do this act of generosity, but what are you doing personally in return? Do you bring the milk or cookies or something - or are you really letting a student give up part of his lunch to feed his teacher? I have a problem with that.


I'm not going to demonize Starbucks - I love Starbucks and the wifi access is probably worth the coffee price - but you have to budget for it, because if the above poster is right (and they probably are) about the overdraft fees - that Starbucks just cost you another $5, $10 or $35 depending on how your bank calculates the fee. That's very expensive coffee even with wifi.


Is there any reason you don't carry $5 in cash? Because you could have saved yourself that overdraft fee if you had just paid in cash. And how much do you love your bank? Do you really want to give them an extra $5, $10, or $35 bucks in pure profit because you can't check your access before you use your debit card?


Poor people get treated lousy in this country - as they have for several thousand years. The best way to stop them from being treated badly in the short term is to help them get out. And yes, the deck is stacked against them. But by teaching them to use what little they have wisely so they're not at the mercy of the banks, and the payday lenders and the utilities - all of whom make money on the desperation of the poor.


Look at the late fees and the bounce fees and the deposits on the utility bill. Those are costs that are keeping your student's family at risk for losing power every month. Sometimes it can't be helped. But sometimes (and trust me I've lived this one) you can sacrifice for a month or two or three and just get enough ahead to pay the d**n thing on time. And by doing so you save more money. Maybe not enough to get name brand cereal, but enough to get by. And enough so the lights stay on.


And that's a lesson your students really need to learn.


 

by: kiniraya

01-27-2012 @ 4:57pm

Why is it surprising that "years studying Dostoevsky and Brueggemann" made you unmarketable? Did you ever look at help wanted ads before you spent many 1,000's of $ on a degree with no job prospects? Perhaps you could use your hard-earned experience to counsel others to: (1)not buy overpriced coffee at Starbucks especially when (2) you can't afford it and (3)pursue a degree where there are actual jobs or potential for entrepreneurship. Am I a greedy capitalist for saying this? No, I'm someone who truly believes that people are best served by helping them work their way out of poverty and government dependence.

by: Alice323

01-27-2012 @ 11:56pm

Your post is well written and those of us who have experienced the paralyzing fear of not having enough money and cards getting declined, perhaps give more grace than those who post rather judgmental/fingerpointing comments. the same folks who get all hot about the cost of Starbucks coffee and act so shocked and appalled, probably spend $50 on a bra from Victoria's Secret, $120 on a "great pair of runniing shoes", or maybe they are just perfect responsible members of society who live in frustration due to those of us who fall short. Oh well...and by the way i choose not to choose a career based on whehter it is the hot career of the year. I prefer to work in a field I love;that I have passion for. Todd if I'm ever your way I'll spring for coffee!

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by: kenny.latta

01-25-2012 @ 10:49am

Excellent post. Thank you for sharing.

I am a post-graduate volunteer teacher as well, working for room and board and stipend, so I know the experience of seeing that bank account balance hover close to (or below) zero. There's a strange kind of embarrassment and indignity that comes along with those single-digit numbers, and I always have to remind myself that this sensation - feeling less-than because of my poverty - is something that my students and their families deal with every day. And not by choice.

Anyway, thanks for putting this into words. And thanks for reminding us that post-grad poverty isn't something to wear like a badge of honor into our future. It's the constant reality faced by so many people in our country, and it's tragic.

by: jlynch

01-23-2012 @ 4:06pm

This guy has some serious talent with his words.....I highly recoment you check out his other writing: http://toddandrewclayton.com/ ....my personal favorite: http://toddandrewclayton.com/2012/01/06/i-didnt-call-her-a-bitch/ and if you have the time, this one is pretty awesome as well: http://toddandrewclayton.com/2011/12/08/unassuming-suspects/

by: bridgetc47

01-27-2012 @ 9:48am

I know this is going to be unpopular. So be it.


Balancing your checkbook - especially if you have on line access - is not rocket science and it's not the first step on the road to Wall Street. I promise you you can do it and still be a democrat.


It's good stewardship.


You're also telling me that you're taking an apple daily from a kid who's own food security is probably iffy. It's wonderful that you're letting him do this act of generosity, but what are you doing personally in return? Do you bring the milk or cookies or something - or are you really letting a student give up part of his lunch to feed his teacher? I have a problem with that.


I'm not going to demonize Starbucks - I love Starbucks and the wifi access is probably worth the coffee price - but you have to budget for it, because if the above poster is right (and they probably are) about the overdraft fees - that Starbucks just cost you another $5, $10 or $35 depending on how your bank calculates the fee. That's very expensive coffee even with wifi.


Is there any reason you don't carry $5 in cash? Because you could have saved yourself that overdraft fee if you had just paid in cash. And how much do you love your bank? Do you really want to give them an extra $5, $10, or $35 bucks in pure profit because you can't check your access before you use your debit card?


Poor people get treated lousy in this country - as they have for several thousand years. The best way to stop them from being treated badly in the short term is to help them get out. And yes, the deck is stacked against them. But by teaching them to use what little they have wisely so they're not at the mercy of the banks, and the payday lenders and the utilities - all of whom make money on the desperation of the poor.


Look at the late fees and the bounce fees and the deposits on the utility bill. Those are costs that are keeping your student's family at risk for losing power every month. Sometimes it can't be helped. But sometimes (and trust me I've lived this one) you can sacrifice for a month or two or three and just get enough ahead to pay the d**n thing on time. And by doing so you save more money. Maybe not enough to get name brand cereal, but enough to get by. And enough so the lights stay on.


And that's a lesson your students really need to learn.


 

by: SLMeyer

01-23-2012 @ 10:15pm

If you don't even have $1.85 for a cup of coffee, perhaps you don't need to be in Starbucks. And that $4.59 you had leftover after the transfer will no doubt go towards an overdraft fee. But of course, it's not your fault for not knowing your available balance. You're just way too busy to be concerned about how your failure to manage your own life has negative consequences. It's sad how a lack of personal responsibility in your life has made you unmarketable, but it's nobody's fault but your own. The world doesn't owe you a living, so please do something about it instead of just complaining.

by: Alice323

01-27-2012 @ 11:56pm

Your post is well written and those of us who have experienced the paralyzing fear of not having enough money and cards getting declined, perhaps give more grace than those who post rather judgmental/fingerpointing comments. the same folks who get all hot about the cost of Starbucks coffee and act so shocked and appalled, probably spend $50 on a bra from Victoria's Secret, $120 on a "great pair of runniing shoes", or maybe they are just perfect responsible members of society who live in frustration due to those of us who fall short. Oh well...and by the way i choose not to choose a career based on whehter it is the hot career of the year. I prefer to work in a field I love;that I have passion for. Todd if I'm ever your way I'll spring for coffee!

by: kiniraya

01-27-2012 @ 4:57pm

Why is it surprising that "years studying Dostoevsky and Brueggemann" made you unmarketable? Did you ever look at help wanted ads before you spent many 1,000's of $ on a degree with no job prospects? Perhaps you could use your hard-earned experience to counsel others to: (1)not buy overpriced coffee at Starbucks especially when (2) you can't afford it and (3)pursue a degree where there are actual jobs or potential for entrepreneurship. Am I a greedy capitalist for saying this? No, I'm someone who truly believes that people are best served by helping them work their way out of poverty and government dependence.