"He looks the whole world in the face,
for he owes not any man."
-Henry Wadsworth Longfellow
"The Village Blacksmith" was published by Longfellow as part of a poetry collection titled Ballads and Other Poems in 1841. It is what you expect from a Longfellow poem -- musical, simple, at times didactic. The poem, as you could guess, centers around a village blacksmith; a hard-working, church-going, widowed husband and a loving father. If you have a few minutes -- for that's all it really takes to get through it -- you should give it a read. At the very least, you can then tell people you've been reading poetry, which makes them think you're deep and sophisticated; that you're the kind of person that chooses to read poetry because you get poetry.
But I mention Longfellow's poem because I read it a few days ago [see - aren't you impressed?], and the line about looking the world in the face -- it floored me.
*************
I'm not sure where or when to begin.
We very often try to forget our shame, to bury it beneath enough memories until it blurs and fades to nothing more than a faint recollection. It's a form of self-preservation, no different than your brain telling your body that you must walk when you're tired, that you simply can't go on. The truth is you can almost always keep going. But sometimes it's easier to stop, it's easier to forget.
So when I say I don't really remember, I'm being honest. I have spent the last five, maybe six years trying to distance myself from it, to make it less real.
If only it were all that easy to leave behind.
I'll start with what I remember in San Diego. That seems as good a place as any.
In San Diego, Mom and Dad paid for my tuition and deposited some spending money in my account each month. This worked well for the first few months, especially since I had a card that I could go to a school cafeteria and buy food and books with.
As the semester moved along, I found that I was running low on money towards the end of each month -- not on account of how much my parents were sending me, but because my spending was growing as I became more and more social. The purchases weren't outlandish -- over seventy percent of it went to beer and fast food; the staple diet of any college freshman. They were simply needless, and had I been able to show a little more restraint, they would have been completely avoidable. But women and beaches are mighty hard to resist, and they both go well with beer, so I kept buying.
Not wanting to ask my parents for more than they were already doing for me, I opened up a credit account.
A quick side-note: too many parents obsess and try and influence their child's every move from grade school right up through college. They check to make sure their homework's done. They help choose the courses to be studied. They have access to e-mail and bank accounts. They are Big Brother parents, who say they trust you but constantly monitor you like a felon. Fortunately, my homework was rarely checked, my e-mails never read. If I had a problem, I could always go to them and ask for help -- but it was my decision to do so, and that made all the difference.
So I was able to open up this credit account without anybody else knowing. It helped me stay afloat when I'd normally be broke and stuck with cafeteria food [another thing that could have helped me stay afloat was to spend less, but that of course, was not an option]. Then, when I got my spending money at the beginning of the month, I'd pay off whatever I owed on the credit card. This of course meant that at the end of the next month, I'd be short again and would have to use the credit card. But it was the best system I had, and more importantly, I had it under control.
The truth is, when you have no income -- which I didn't -- any debt you have is out of control.
So on and on this little game went; using the credit card, catching up, using the credit card, catching up, with the numbers growing a little bigger each time.
And then one month I couldn't pay it all off. So I didn't.
The rest of this story is obvious. The sum grows. Since I'm using some of the spending money to try and pay it back, I find myself using the card earlier and earlier each month, so now it's reaching numbers that I'm not comfortable with, that I can't control. Factor in a missed payment one month, steep interest each and every month -- and now things are desperate.
The toughest part about all of this was that I there was no one to point the finger at but me. My parents weren't being tight-fisted and cutting back. In fact, they would often call and ask how I was doing and if I needed a little extra help. I would just say everything was fine and then try and change the subject. But it was there, in the back of my mind, in the back of every conversation. I wanted to tell them, to ask for even more than they were already doing. But I just couldn't.
And then one day I could. I had to.
I don't remember whether I'd moved to Austin or not. I just remember the conversation and holding the phone so tight I thought I was going to break it. I called Dad and told him everything. I cried because I'd never felt like less of a man; creating problems I couldn't even fix myself, problems that I had to run to Daddy and ask him to fix for me. When I had finished explaining everything, there were a few seconds where the line was silent.
-"How much do you need?" he asked in a calm voice.
After I told him there were a few more seconds of silence.
-"All right. Don't worry. I'll take care of it. One one condition: that you cut up the credit card."
He's been a better Dad than I deserved at times, and I consider this to most certainly to be one of them. There was no lecture, no stiff rebuke, no demeaning, no threats. He just said that problems that can be solved by money are the best kind to have. And then before he hung up he told me that he was still proud of me, that he still loved me.
That should be the end of this story. But it actually is just the beginning.
I was most certainly in Austin when I met Carinne. I'd transferred from San Diego to UT. It was a new school in a new city, and somehow I'd even managed to find a new job.
A quick side-note: I've discovered that the best way to get a job is to lie. Most place won't hire you unless you have experience, but you can't get experience unless you have a job. A brilliant system. So I lied -- not because I enjoy lying, but because that was the only way I saw to landing a job. I lied because I knew I could learn if I was given the chance.
So I lied and got a shitty job waiting tables in some casual dining restaurant where I made enough to justify showing up for each shift. I hated practically every second of it -- the bending over for the customer, the non-slip shoes, the complaints about food I didn't cook, the tables you busted your ass for that didn't tip -- but it was there, in that casual dining restaurant, that I met Carinne and fell in love with her.
At this point, my parents were paying my tuition, rent, and still sending me some spending money. I had a girlfriend I adored. I had a job that gave me a little extra cash. I was getting straight A's. I got to hang out with my brother on the weekends and drink beers and watch football. The credit card, at Dad's request, had been cut up and thrown away long ago.
I think most sons looks up to their fathers, or want to at least. Fortunately, my Dad was easy to idolize. He was the strongest man I knew, the smartest, the funniest. I loved watching the Tour de France because it meant I could watch it with him. I loved football because every kid wants to score a touchdown in front of their Dad. I loved Bali because Dad taught me how to body surf. He was everything I wanted to be.
I write this because in our family, Dad was the backbone and Mom was the heart. And so I tried to be the backbone for Carinne. We were both in school, in love, and waiting tables. So whenever possible, I paid for dinner. I paid for everything I could. Not because she ever asked -- in fact, she often protested to me paying. I did anyways, because the man I wanted to be would pay for things like that. It was a way to show her how much I cared, to make things a little easier for her, even if it made things much tougher on me. I could handle it.
I didn't have a credit card, but I did have overdraft protection on my debit card, which was linked to my credit account. I'd cut up the card but left the credit account open because a banker had told me your credit score drops if you close it. So it stayed open.
With overdraft protection, if you don't actually have enough money in your debit account for what you're trying to purchase, the bank will charge you a $35 fee, and then transfer however much you need in to your account.
Well, I overdrafted seven times in one month. Each overdraft brought a $35 fee, not to mention what I had actually paid for. When I finally checked my bank account, my stomach dropped.
But I continued to spend. Not outrageous things. Dinner and drinks. A night out for me. Flowers and movie tickets. Little road trips. But they add up. Especially with $35 fees sprinkled in.
My credit limit was higher than before, and within a year so, I had hit the limit. I can't explain why I hadn't stopped before then. You just reach a point where you think "what difference does another $50 make?" And you realize that it doesn't make much of a difference, so you just swipe the card, knowing that the $70 meal will actually cost you $105, but what difference does $105 make?
So here I was, back in a hole.
This time, I swore I wouldn't call Dad. Not because I couldn't -- but because I didn't want to him write another check and fix this again for me. I thought about the money and how if he sent it to me it meant he wouldn't buy himself a new bike. I couldn't live with that. So I decided that I would fix this. No matter how long it took, I would fix this.
But the truth was I couldn't fix it myself. Not yet. I had maxed out a credit account without owning a credit card. The first thing I needed was some breathing space. So I called Jim and Amelia. I remember that conversation a little better. I remember pacing outside my apartment, humiliated yet again. Again, the only questions that Jim asked were "how much do you need?" and "are you sure you don't need more?" The truth was I did need more. I needed a lot more than I was asking for. But I was too embarrassed to admit how big my mistake was. To show how much I'd messed up. So Jim sent the check and I ducked below my credit limit and wondered why I was so fucking dumb with money.
How to repay my brother in law, not to mention thousands more to a bank when I was in school, with a girlfriend, and waiting tables making $60-80 a shift?
The answer to that is that you don't pay it off that way. You simply can't. And I didn't. The amount I owed stayed pretty much the same for the next two-three years. I'd make the monthly payments of a few hundred dollars, but that did nothing because all I was really doing was paying off the interest. And when I could, I'd send Jim and Amelia a few hundred dollars, but I could rarely do that, and any free money I had I wanted to put towards the credit card because I was paying interest on that. And with the little I knew about money, I knew the less there was in my credit account, the less interest I would have to pay and so the easier it would be to pay it off.
Around this time, I started letting the money and the debt affect my relationship with Carinne. I would be upset because I couldn't pay for things like I wanted. I would sit at home and write for entire weekends, convinced that a script was the only way I could ever buy my way out of this debt. I didn't feel like a man, because I couldn't buy my girlfriend a nice dinner or take her out randomly and buy her a new pair of shoes. Now to sit here and blame all of our problems on my debt would be the easy route. It certainly caused some tension, and didn't help, but I was far from perfect in other areas, and that played a role, probably a bigger one in why our relationship ultimately did not last.
After I graduated, I thought things would be different. I'd find a real job, I'd knock the debt out, I'd re-kindle the strained relationship. That was the light at the end of the tunnel. Graduation. Just graduate. That would fix everything.
It didn't work like that. I graduated college and got my diploma in the mail and was still a waiter, still in debt. And somehow, being out of school made me feel worse about it all. And that was that.
During these tough years, there were periodic conversations with Dad that made it even tougher. He'd look at me and tell me how proud he was, how amazing it was to be my age and to have big dreams and no debt. So many times I wanted to crack, to tell him that I'd cut up the card but that I'd fucked up yet again and was still in debt. That I was so sorry, that I stayed up nights thinking of ways to make thousands of dollars, that I'd looked at papers and thought about plasma donations, even selling the truck he'd given me -- anything to be the debt-free son he thought I was. But I couldn't. I just changed the subject. "If he ever asked me directly, I'd tell him the truth." That was how I convinced myself I wasn't lying. I of course knew he'd never ask me directly, just as he'd never asked me about my homework.
Then I stopped waiting tables and found a new job working in a bar. It wasn't much better at first, but it beat having people complain to you about cold soup. I started in winter at the door. I stood there, freezing my ass off, not making much more than when I was a waiter. But this job had the promise of becoming a bartender, which promised a significant pay increase. There was a new light at the end of the tunnel.
So I worked all the shifts nobody else would work. I learned how to barback, and so I saved the bar money by working barback and door in the same night, even doing both of the closing duties by myself. It was miserable -- it took me close to two hours just to get through all the closing chores each night: take all the chairs from outside and carry them inside. Take all the TVs down from outside and carry them in. Wipe all tables outside. Wipe all ashtrays. Sweep any cigarette butts outsides. Mop and sweep bathroom floors. Clean all bar glassware. Pick up all drain covers and soak them in bleach. Mop inside floor and behind bar. Soak all bar mats. Wipe all tables and stools inside. Empty all trashcans in dumpster outside and hose out trash cans. Make sure storage unit is locked - but I did it. And each night I'd come home, six nights a week, exhausted from the shift, not wanting to clean a damn thing again.
I was promised bartending shifts for what seemed months on end, but each time the schedule came out I had the same barback/door shifts. Since I was working so much and had no time to spend the money I was making, things were getting a little more comfortable financially, but I was still staring at thousands and thousands of dollars of debt. But finally, my debt had stabilized -- no more thoughts of plasma donations or selling the truck -- the only problem was that it wasn't dwindling either.
Even when it's stagnant, debt is still an incredibly unpleasant burden. The best way I can think to describe it is a cancerous tumor. There is something inherently awful in it. And when it spreads, there is sense of overwhelming helplessness. When it's stagnant, there's the fear that it will somehow awake and multiply again and again as it always seems to, or even if it doesn't spread, it will anchor itself and never leave. The only way to truly rid yourself of it is to cut it out, to keep cutting until there is not a single cell left. There are of course, huge holes in this comparison. Debt is almost always self-imposed, while cancer [except in smokers], is almost always not. But the point is they are both hideous things, capable of destroying everything they contact, and your life is better without it.
After months of working myself to the brink of unhappiness, I finally got my first bar shift. And then before I knew it, I had five. Some of them were the slow shifts were you didn't make much, but there were a few where did you make a lot, and so it was worth it. All of a sudden I went from making $70-80 a shift, to now making $250-400. Other days were even better than that.
At this point in my life, I could support myself financially for the first time. Rent. Bills. Gas. Anything and everything. I earned and paid for it all. Not only was I paying for everything, but on good weeks, I had more than enough cash left over to start making dents in the debt I owed to the bank. So I started making $500 payments to the bank. Then one month it was $1,000.
Just a few weeks ago I made the last payment to the bank. I walked in and asked the teller what my credit card account balance was. When she told me, I reached into my pocket and pulled out an envelope stuffed with the cash I'd put away for the last month. I smiled and told her that I could pay it right now.
I had checked my account balance before I walked in. But I just wanted to hear her say it one last time.
After a few impatient days of waiting for it to clear, I checked my online statement and saw this:
To describe that feeling, that moment when I saw nothing but zeros -- it's impossible. A song came to mind though. Etta James's At Last.
Then, after working 11 days out of 12, I had saved up enough to write Jim and Amelia their much overdue check. Not once since they'd lent me the money had they ever pressured or asked me about it.
I sent it off earlier this week.
********
And so here I am, days after sending the check off to Amelia and Jim, reading "The Village Blacksmith." I'm reading about this hard-working, proud man who looks the world in the face. And then I stop reading.
I stopped because I realized that I not only carried the debt, but I carried so much shame along with it. I avoided going to the bank and checking my bank account because I didn't want to be reminded of how bad it actually was. I didn't want the teller to look at my account and see I had overdrafted four times and that I was over my credit limit. I avoided conversations with my Mom and Dad because I didn't want to chance that a conversation about debt would come up. I spent so many years trying to sweep it under the rug, do anything but confront it. In those years I let it affect me, I let it affect my relationship, my belief in myself. There were times when it almost won.
But the real reason I stopped reading because it didn't win. I stopped because I now can look the world, and more importantly, my family in the face and not have anything to hide. I owe not any man.
While it is easy to take all the credit, the truth is I wouldn't be writing this without my family. They carried me through the patches I'd like to forget. I wouldn't have made it if Joe and Ellie hadn't picked up the phone when I called and told me everything would be ok, that I would find a way to pay it all off one day. I wouldn't be here if my parents hadn't provided money for rent and living expenses for me even after I'd left college. And Jim and Amelia -- well you know how important, how patient they were in all of this.
It has taken much longer than I would have liked, but I'm debt-free. I'm financially independent. In fact, I've got a savings account that has money in it and a credit account that has nothing on it. There are no more half-truths, no more wincing when I hear the word "debt." The word is now just something I'm glad to have overcome. I mopped up vomit, stayed awake at night, cooked hot dogs for a week, stood in the cold for nine hours a night -- I did all that and so much more to rid myself of it, and now here I am, alive, determined never to repeat, determined never to forget.
I'm saving and planning for a trip somewhere next year. I haven't even picked the continent yet. Europe sounds nice, but so does South America. Ireland routinely comes to my mind for reasons I can't place. I picture it as rainy, green and cold, which sounds as good a place as any to write and read. But then again, so does Belize.
Wherever I go, I'm taking a copy of Longfellow's poem with me. I'm going to stand some place beautiful and read the words again. I'm not sure what I'll do after that. Maybe if it's night time in Ireland I'll stand and look at the stars. Or if it's Brazil I'll go down to the beach and fall asleep to the sound of the water.
Or maybe I'll just do what I did a few nights ago after I read the poem. I'll grab a cold beer, sit down somewhere quiet, and smile as I take the first sip.
"His brow is wet with honest sweat,
He earns whate'er he can,
And looks the whole world in the face,
For he owes not any man."