Showing posts with label self sufficiency. Show all posts
Showing posts with label self sufficiency. Show all posts

Sunday, October 3, 2010

Day 276- Roads taken and otherwise

Dear Mr. President,

I'm having one of those weeks where everything in my life is up for questioning. Am I happy? Am I doing the right thing? Am I making the right choices? What are my goals? Maybe it's back-to-school time getting to me, or the overabundance of sentimental movies I've been watching lately. Facing this general uncertainty always inclines me to look back, to evaluate the decision and compromises and mistakes I've made in the past. (It also leads to a lot of baking.) I see old boyfriends and high school classmates getting married, settling down, having children. Sometimes I worry that kind of normal adulthood is just never going to appeal to me. People my age want careers, houses, cars, families. I want something much less tangible. Perhaps my constant need to question the path I'm walking has held me back, slowing my journey and putting me through more emotional turmoil than otherwise necessary. I suspect, however, that I'm just built this way, there's nothing to be done about it.

This letter isn't particularly political. I know people with Real Problems- worries over where their next meal, the new roof, the health insurance, the unemployment benefits, the job or the right to marry their partner will come from, if it comes at all. I'm lucky to be wallowing in a state of mild existential crisis. It will surely pass. And while I may wish I could go back and do a number of things differently, it is far more important to focus on my current situation and try to steer in a better direction. I want to find happiness, and I think that a big part of that, for me, is feeling good about what I do, and that requires a certain amount of constant questioning.

Do you find yourself doing the same thing with your own goals? I can't imagine that you have the luxury of being anywhere near as self-reflective as my lack of significance affords me. The importance of your job simply wouldn't permit it. But surely you have to take stock of things, occasionally, to measure your progress and question your course. Especially given the grim forecast for the midterms and the recent media narrative, I'd imagine you must be seriously considering your Presidency's goals and strategies. While I'm sure that conventional wisdom says you ought to be moving to the center, pandering to the vocal movement of intractable conservatism, I hope that you refuse to listen to it. You can't take back the promises you made in the campaign, or lower expectations before you took office. The only thing left to do is figure out a way to keep those promises and rise to those expectations- something that an ostensibly safe veer toward the center will never allow you.

Respectfully yours,

Kelsey

Friday, April 2, 2010

Day 92- Breaking up with JP Morgan Chase

Dear Mr. President,

I joined a Credit Union today. As soon as my account is set up, I'm closing my old account with Chase. This decision was based on a number of factors, but the business practices of the Credit Union, which by nature is not for profit, has no shareholders, and does not wreak havoc on the financial system through unscrupulous lending and manipulative financial practices. I say this as a complete layman; economic issues are not my strong point, at all. I'm terrible with money, terrified of investing or even saying the word "stocks" and I generally only check my bank account balance after an immense inner struggle about how much I really want to know about my finances. I was finally able to extricate myself from credit card debt, and now that I have some degree of confidence in my financial stability, I want to put my money where my mouth (not to mention personal belief) is. I don't make anywhere close to $30,000 a year, and the money I do make can go to much better things than the profit margins of Chase Bank.

Perhaps it is my ignorance about most financial matters, but I find the kind of gimmicks Chase (and other banks like it) use to attract customers truly off-putting. Keep using your debit card, because you never know when we're going to give you a free purchase! The misleading way that their "overdraft protection service" has been advertised in the last few months is a perfect example of this. With this "service", customers are allowed to spend more than they have- at $31/transaction. A card without this "protection" will merely be declined if more money than is present in the account is charged. This makes sense. This alerts people to when their account balance isn't what they think it should be- always an indication that something, either their calculations or their charges, is wrong. Chase decided to wage an ad campaign to encourage people to keep being charged not to know their account was overdrawn- likely because overdraft fees made up a significant portion of the company's profits. It seems as though Chase is directly targeting vulnerable consumers who don't realize they're being taken advantage of by advertising this fee as some kind of protection.

Anyway, I feel that the Credit Union I joined today is much more honest in its practices and works to serve its members and its community, not its bottom line. That's important to me as a consumer, but not nearly as important as the work that went into making this decision. I've made a conscious effort to learn more about the financial system, the way banks and credit unions work, and the way I budget, spend, and save my own money. The absolute best way to avoid being taken advantage of by the powerful is through education and awareness, and I feel that today was a step in that direction. I will not be hoodwinked by slogans and PR; I will not be sucked in by gimmicks and games; my financial health is too important for me to trust it to others. It is my future, my freedom, and my security, as an independent individual, and I will not allow it to be threatened by my own ignorance.

I feel that this kind of financial information would be a valuable addition to basic high school education. We should prepare students for the realities of the financial decisions they'll be making; decisions about student loan debt and credit cards and responsible use of bank accounts. Preparing students, giving them all the information they need to make informed decisions and to protect themselves against manipulation is an important aspect of education, and this latest financial crisis clearly demonstrates how urgently this awareness is needed.

Respectfully yours,

Kelsey

Thursday, March 18, 2010

Day 77- the 5 year plan

Dear Mr President,

A few days ago my boss called me in for a conversation that should have been a simple 10 minute discussion and turned into an offer a promotion. I'm incredibly fortunate, especially in this economic climate, to be struggling to choose between the new job I'd resigned for a few weeks ago, or remaining with the my current company and be promoted. Immediately after talking with her, I sent out for advice from as many of my family and friends as I could. Their answers came back, begging more questions. "Where do you want to end up?" "What do you want for yourself in 5 years?"

This long-term planning has never been a strength of mine. I often feel as though I'm putting one foot in front of the other, taking one breath at a time, as though planning an entire day ahead is too much assumption. What do I want to be in 5 years? Happy. There are a number of concepts caught up in that; for instance, I don't think my happiness will be tied up in the amount of money I have, but I do think it will be directly related to how good I feel about my life. Am I helping others? Am I healthy? Do I have time for important things in my life? My head tells me that the quickest route to this is a high-paying promotion that will allow me the kind of freedom that financial security seems to promise; my instincts tell me that I need less stress, less chaos, that increasing my income will only increase my desire to make more money.

The more I considered this question, the more I realized I don't know, for certain, what happiness looks like. I've spent so much of my adolescence and young adulthood deeply unhappy for reasons I can't always access. I've been lonely and afraid and tired all the time. I've been paralyzed by big decisions, and avoid them as much as possible. I have lately looked around to take stock of my existence and found much of my behavior to be about survival, not happiness. Even my consideration for these two jobs is based more on how it will upset or please others, because I have no idea what will make me happy. How have I lost touch with myself so completely? I know I'm not the only one, and I know this because the self-help section of my bookstore is continuously full of bestsellers.

This can only lead me to believe that we don't, as a society, understand happiness as well as we should. Is it a matter of having lost sight of it, somewhere, or of having yet to find it at all? I don't know. I know that nothing I can earn or buy or consume or even vote for is going to secure my happiness. I know that whichever job I choose, I will wonder long at what the other would have offered, and will try to continue to make myself question what the future I want looks like, so that I'll know it, should I ever have the opportunity to choose it.

For now, I think a good night's sleep is the best choice I can make, with the hope that morning brings with it a small measure of clarity. I know that the next few days will not be easy for you, Mr. President, and I hope you know that the support and best hopes of so many Americans will be with you.

Respectfully yours,

Kelsey

Thursday, January 7, 2010

Day 7

Dear Mr. President,

Reading about you and your father is difficult for me, as it reminds me of my relationship with my own father, which I have conducted without your grace or self-awareness. I was raised by women, scolded and shaped as a person by my mother, my grandmother, my sisters and by the wisdom of so many teachers. My father lingers as a specter in my memory, not absent, at first, but certainly not present. Men in my early life were large and loud, they lived in comfortable chairs in front of the TV; set dressing for the defined, complex female characters to interact with. Men were manifestations of will, their anger hung in the room like a cloud, their favor elated me, their participation in activities or conversation lent importance and gravity. I grew up never resenting this, playing with the boys at recess and having slumber parties with the girls, never concerning myself with the differences in roles that were so obvious in adults.

You arrived in New York with your father's letter, full of the instructions to find your place that you, at the time, found inadequate. I read this and cast about in my memory for what "dime store advice" my father had sent me into the world with, and I can recall none. Instead, I enter the world fearing men, while at the same time searching each one for the unconditional love I feel is somehow owed to me still. (I'm sure even the most casual student of psychology would cite writing to you as a manifestation of this absence, as well.)

I've grown up in an age where "feminist" has, unfortunately, come to mean something militant, angry, inherently anti-man and, by extension, anti-traditional woman, as well. I grew to consider myself a feminist without ever feeling comfortable with the connotations, aware of the inherent sexism in many aspects of our society, but unwilling or unable to offer any practical alternative. When the nomination race for the 2008 election began, I initially supported John Edwards, as I'd been impressed after meeting him at a book signing, and excited by his proposal to forgive student loan debt. (The subject of another letter, but certainly a proposal worth considering.) After the race narrowed to just you & Mrs. Clinton, I read the Op-Ed that Gloria Steinem wrote in support of Clinton and felt, (as I'm sure Steinem intended,) that it was almost traitorous for me, as a feminist, not to support Clinton. This was a fleeting feeling, as I found myself drawn to the tone of your campaign, unimpressed with her tactics, and generally reluctant to support a candidate with her unconditional-to-the-point-of-unreasonable support for Israel. Did this make me bad feminist? Did I owe it to generations of suffragists to submit to the higher calling of electing a female president? Or did they, in fact, struggle to free me from this?

Sometimes it seems like life is a series of conflicts, falsely characterized as Good vs. Evil. Men vs. Women. Black vs. White. Republican vs. Democrat. Christianity vs. Islam. As I've matured, I've learned to reject these teams as constructions, attempts to unconditionally divide me from some people and bind me to others. These teams are safe, easy, even, at times, expedient. There are days when it still feels like a game, interacting with men, playing by their rules, striving for the approval or love that they define and they control. But I don't think that this applies all men.

Today I watched my nephew, who is one and a half, and the first male baby to be born in my immediate family. He, too, has spent his early life being raised by women, women like me, who lack a clear idea of what a good man is. Are we equipped to raise this child alone? Can we give him enough examples of who he wants to become? Luckily, he has a caring and responsible father figure, recently introduced, but happy and eager to show little Asher what a good man is. I am so grateful for him, and for the number of positive male influences I have had throughout my life. This gratitude reminds me to check my sweeping characterizations of gender, or my fear of a passing male figure on the street at night, reminds me to judge people as individuals and not as reflections of or upon any larger group.

On my arm, I have a few lines by Elizabeth Cady Stanton; "in that solemn solitude of self, that links us with the immeasurable and the eternal, each soul lives alone, forever." She spoke about self-reliance, about not ceding our ability to defend or support ourselves to any other, not because they cannot always be trusted, but because they cannot always be there to protect us. Not our parents, or our mates, or our families, or even our government. Learning to reconcile this self-reliance with the companionship we all need is where life gets difficult and complicated. You, sir, are a role model for my nephew, a figure I hope he one day aspires to be like, not because you are the perfect mythological figure of Manhood, but because you have reconciled the power of your position with the humanity that limits us all. Thank you, for that.

Respectfully yours,

Kelsey