Burials and Understandings

Death is a strange bird. No matter what you do, no matter how you prepare, no matter how well you think you’ve dealt with the immutability of the eventual demise of someone you love, you’re always surprised when it happens. You’ve watched the jocular weatherman’s five-day forecast, you see the clouds coming, and you wear the raincoat and open the umbrella and roll up all the car windows, but somehow you still get wet. Soaked. Sopping.

This is what ran through my head as I was mopping tears off my cheeks a few weeks ago, and looking down at my cat, who had just expired on a stainless steel table in a veterinarian’s office. Since the night before, when I found her in front of our other cat’s water bowl, suddenly underweight and stinking of litterbox, I knew there was something rotten in the state of Mavis.

When I took her to the vet and he said immediately that she was critically ill, I knew I was going to have to make The Decision. When he prodded her kidneys and said he couldn’t tell them apart from the other organs, I knew I’d be driving home alone. When he showed me the x-ray, and told me her kidneys had somehow ballooned to the size of lemons when they should be about as big as a pair of dried apricots, I gulped and made the final arrangements in my head: Someone who has been my roommate for the past three years is going to die.

I’d known it all day, and I’d gone to bed thinking it the night before. I didn’t hide from the truth; in general, I’m naturally pessimistic and cynical to the point of wondering if the whole universe is just a big joke on me, so I wasn’t expecting any miracles. I was emotionally prepared for this. I opened the umbrella.

I got soaked.

Since then, I’ve thought of Mavis’s last minutes, prodded and probed and punctured on a cold table with a glass rod full of mercury in her rectum. I’ve thought about how she yowled when the technicians had to push on her bladder to make her pee in a vial. I’ve thought about how she yowled louder when the vet wrapped a tourniquet around her foreleg because he couldn’t find a vein. I’ve thought about how melodramatic I must have seemed afterward, slumping over the table and blubbering into her fur, even though I was still alive and comfortable and it was Mavis who had spent the last hour on a table in a lab, excreting water faster than she could drink it and facing the business ends of needles and rectal thermometers and unfamiliar fingers.

I thought of the signs of her illness that I should’ve seen but didn’t. I was changing the kitty-litter twice as much as usual; I’d just figured Mavis had developed some sort of litterbox treaty with Simba, the other cat, who she normally hated. Mavis started peeing when I was in the room, something she — a former stray — had always been too defensive to do; I thought maybe she was finally letting her guard down around me. I thought of how she had seemed just a little too uninterested in me, or food, or anything, over the past few weeks.

But I also thought of the time when she brought a sparrow, squawking like the Dickens, from the balcony and placed it in front of me in the bathroom and then sat there proudly, maybe waiting for me to stick it to the fridge with a magnet or something. When the sparrow tried to hop away, she would bat it down with a paw, then look at me again, with the same I-done-a-good-job-boss look on her face, like I was a Casa Nostra boss and she an up-and-coming kneecap-breaker.

And the times when she would curl up in bed next to my head and purr loudly and sometimes knead the pillow, tearing the pillowcase to shreds, and I would say “DAMMIT MAVIS I am trying to SLEEP!” and she wouldn’t move and I would roll over with plans to unceremoniously chuck her onto the floor, and she’d look all adorable with her eyes shut and her little paws working, and I’d lose my nerve and sleep on the couch.

And on warm nights when she would sit on the balcony waiting for me to come home, and meow like crazy when she saw me rounding the corner of the house, then be at the door when I opened it and practically fall out onto my feet.

And the time when she first came into my life, when I sat on my front stoop with a bowl of Bumblebee tuna and she ate the whole thing, and I tried to coax her upstairs into my apartment but she decided she’d rather curl up in my lap right there, and we enjoyed the warm night and said hi to passing neighbors. She came to live with me a few nights later.

These memories were better, and greater in volume than the one where she sat dehydrated on the vet’s table.

That’s the secret. You can’t prepare yourself for someone’s death. You can’t. Just forget about it, Kemosabe, ’cause it ain’t gonna happen. Even if Grandpa has been hooked up to machines for a year, you’ll still sob like a toddler when he finally goes away. No matter how waterproof the mackintosh, you’ll get wet.

But you can prepare yourself for the aftermath. You can dry off, eventually. You can’t help it. If you love someone, you’re prepared to dry. You’ve already got the memories, the mental Polaroids of how they looked when they were asleep, how they smiled when you bought them presents, how they laminated that cover of George magazine with the cast of The West Wing on it for you, how they talked about you in the acknowledgements of their dissertation. How they told you how great you are just at the time when you were feeling like a royal putz.

Last year, my grandmother was in the hospital, and my mother called me and said it might be a good idea for me to come home. She wasn’t responding to the medication the doctors were giving her, and she could barely sit up in bed. Soon after I got to the hospital, the medicine started working, and a few days later she went home. Nobody said the obvious: We were all terribly scared those would be our last moments with her.

Until Mavis died, I thought that I was prepared for my grandmother’s death, that when it finally happens, I would take it a bit easier, since I had been through the emotions before.

Now I know I’m wrong. When my grandmother passes on, I’ll be a wreck. There’s nothing I can do to get ready. It’ll hit me like a tidal wave, and pull me under for days, weeks, months.

But you can bet I’ll remember the hug she gave me that day at the hospital, after I had driven four hours in a rental Toyota because a reckless driver had totaled my Oldsmobile a few days before. It wasn’t the hug of a 75-year-old diabetic woman hooked up to a saline IV. It was the hug of a Navy SEAL leaving his family before a suicide mission, of a slave hugging her brother before the slavers dragged him to the auction block. Of a grandmother hugging her grandson who she feared desperately that she might not see before she died.

I’ll remember that hug, just as I’ll remember the last nuzzle Mavis gave my hand in the waiting room of the vet’s office. That hug, and that nuzzle, are what drags me out from under the riptide.

Mavis is dead now, and I’m still wet. Soaked. I’ll be that way for a while.

The secret is getting dry.

Exploring the Culture of Debt

Note to anyone who may be near a college campus anytime soon, chances are that you’ll see at least one representative from a credit card company at some point. He or she will be armed will be easy to spot: armed to the gills with CD wallets, pens, T-shirts, whatever might be remotely interesting to a college student. If you happen to see a dark-haired woman, about 5�1, tackle the representative to the ground, trussing them up with all the skill of Batman himself, please don’t stop her to introduce yourselves. I’ll most likely have a schedule to keep.

OK, I don’t go around tackling all credit card holders, credit-card company reps, or even credit card company executives. The scenario above is, sadly, just a fantasy. It’s a product of my misdirected rage at the state of personal debt in this country. For the record, I have my own credit card debt, amassed during my first year out of college. It’s on a steady decline, a within the next year, it should become a memory. I wish I could say the same for my friends and family, and the rest of the population.

As a nation, we’ve racked up about $500 billion in credit card debt, up from $150 billion just 10 years ago. That’s debt that isn’t written off on taxes like student loan interest or mortgage-related debt. That’s just pure, unadulterated debt that sits, giving the cardholder an expensive lesson in the magic of interest. What’s most disturbing to me is the amount of debt the average college student amasses before he or she even starts working. According to Nellie Mae, 1999 undergrads had an average of $1,843 in debt from plastic before they even got their first paycheck. Graduate students, classic overachievers, had an average of $5,179. According to CardWeb, the debt situation for older working Americans is even bleaker: $7564 on average per household with at least one card. Just so there’s no confusion, that figure is without any other consumer debt such as auto loans or mortgages.

OK, enough with the stats, let’s talk about how we got here. From my experience, I see two major factors contributing to this national debt problem and a third aggravating factor for those in major debt trouble.

Factor #1: Lack of Education

No, this portion of the article hasn’t creeped over from the Public Policy section. I’m not going to turn this into a treatise on how schools have failed our children (although teaching basic personal finance in schools is an idea that’s long overdue). Thanks to the hype over the raging bull market, many schools and children’s web sites now have stock picking exercises that encourage children to follow the market and learn about big business. This practice in itself is okay in my book since as adults, the stock market will probably factor in their long-term savings plans. However, we seem to have missed a few steps here. Have we taught these kids to balance a checkbook? How about the meaning of “bad credit?� Anything about budgeting in there? How about that little “extra� that gets tacked on when you buy something with a credit card? This isn’t rocket science, folks. These are basic life skills on par with walking, talking, and eating with utensils. Children tend to be fairly observant but without reinforcement, explanation, and correction, event the most fiscally responsible parent can raise a child who believes:

  • Money comes from the ATM, if you need more, you just stick a plastic card in to get it.
  • Using another kind of plastic card to buy things at the store means you don’t have to give them money.
  • If there are checks in your checkbook, you have money in the bank. (This is my personal favorite).
  • Money for big, expensive things, like cars and houses, is at the bank, you can just go there and get it.

By the way, the above examples come from actual conversations I’ve had with young customers at the various financial institutions I’ve worked at in the past three years. Know what you get when you have several million people growing up with these fractured beliefs in a country obsessed with spending? You get a large group of people with $500 billion in revolving debt – pay attention!

Factor #2: Your Wallet By Picasso

Another factor that I see contributing to the debt situation to a lesser degree is also one that one that will become increasingly important in this technology-driven environment. It’s what I call the “abstracting of money.� A large part of my job as a marketer for a financial institution in Philadelphia is to encourage our customers to rely on “remote access services� for their banking needs. Therefore, I push telephone banking, on-line banking, ATM and debit card usage, and electronic loan processing. We offer price breaks for customers with direct deposit. From a business standpoint, it makes sense, we spend less on “bricks and mortar,� we can have better rates and stay competitive. The customers save more on loans and earn more on deposits. Everybody wins.

Well, not really. The number of customers with bounced checks jumped. The number of delinquent loans jumped. More people became overdrawn on their accounts than ever before. Turns out that when even the careful customers stopped actually seeing their money, they stopped paying attention to it and worse, they started spending more. Studies by the credit card industry have shown that consumers armed with ATM, debit cards, or credit cards will actually spend about 30% more than if they were paying with cash. Despite the backlash against ATM fees, these machines are here to stay and people use them with increasing frequency. They take out large amounts to avoid fees, only to end up spending more. To further complicate matters, many consumers use automatic deductions from their checking accounts to stay on top of their bills. With all this money flying around electronically, they forget to record transactions in our checkbooks (if they ever learned to do it at all). They lose track and things gets real messy, real fast. They not only lose track of the money they have, they lose track of what they owe.

Factor #3: Bad Debt: Big Deal, So What, Shut Up

For all my naysaying, there are probably a few of you out there who think I’m overreacting and that debt is just a fact of life. You’re right, to a point. Certain kinds of debt are practically unavoidable. Very few of us will ever be able to pay cash for a house, a car, or an education. Mortgages, auto loans, and student loans are facts of life. Credit cards do have their place, as well, particularly in e-commerce and for emergencies. Problems arise when, as a result of a poor understanding or a loss of financial restraint, we fail to take responsibility for our chunk of that $500 billion.

Faced with a mountain of debt and little hope of repaying it quickly, it’s become far too tempting and too easy to walk away. Bankruptcy, once a scary word for any working family, is often referred to today as a “clean slate� or a “fresh start.� As if not taking responsibility for your own spending should leave you with a lemony fragrance. I’m going to stay off the Public Policy soapbox for now (I make no promises for future issues) but while bankruptcy reform plods along in Washington, both bankruptcy and bad credit have lost their effectiveness as punishments for a lack of financial responsibility. Once again, drawing on my job experience, I’ve met countless individuals who, after refusing to pay credit card bills and loans for years, will still get credit cards, auto loans, and even mortgages, albeit at higher rates. The fact that bankruptcy filings in this country grew almost as quickly as debt in the last ten years indicates that this system isn’t helping. Chalk it up to an overly competitive finance industry but bad debtors know, there is always another lender, always another way.

Like most of my colleagues at TINN, I tend to be fairly liberal minded. I believe people do learn from their mistakes and deserve a second chance to prove themselves. But I also believe taking the time to learn to do it right the first time should have its rewards as well.

The bottom line: if someone hands you a great deal of money, unless his name his Regis, chances are, he or she will want it back at some point. Be an adult, pay it back and get on with your life. You’ve got better things to do.