This piece originally appeared here in the Troy Messenger.
“Young Americans are starting out with more credit-card debt than generations before them,” reports Oyin Adedoyin in The Wall Street Journal. She notes that the “average credit-card balance for 22- to 24-year-olds was $2,834 in the last quarter of 2023, compared with an average inflation-adjusted balance of $2,248 in the same period in 2013.”
Debt has become a growing problem across the United States, affecting more than just credit card users and Gen Z.
The Federal Reserve Bank of New York indicates that aggregate household debt balances rose by $212 billion in the final quarter of last year and have surged by $3.4 trillion since 2019. Those figures likely increased since the report was issued in the first quarter of 2024.
Recent college graduates face a difficult job market and high student loan balances. Decades of ready access to federal loans enabled universities to hike tuition and hire expensive administrators, passing costs onto students.
Government monetary policy, targeting inflation driven by pandemic-era measures, resulted in high interest rates. Rising prices and interest rates cause young people to delay marriage and homebuying while accumulating large credit card balances for everyday expenses like groceries or gas.
Are you struggling with credit card debt?
I’m no financial-planning expert, but here are some tips I learned while managing credit card debt as a young professional.
Whenever you receive a surprise check, like a work bonus or birthday gift, put some of it toward paying off your credit card.
If you have multiple cards, prioritize clearing the one with the highest interest rate first. Then tackle the card with the next highest rate until you’ve satisfied all debts.
You could try the snowball method, paying off the card with the smallest balance and then moving on to the next highest balance, and so forth, until you are debt-free.
Make more than the minimum payment whenever possible.
Beware of credit card debt service providers or counseling agencies. I know people who paid these companies every month, only to discover later—after their credit card company sued them—that the payments weren’t used to pay off their debt as promised.
Remember, these companies charge you to help with your debt, which is problematic when you’re already struggling financially.
Look around your house. What do you own that you don’t need? Host a garage sale or use Facebook Marketplace to sell items.
Debt, like trouble, is easy to get into, but hard to get out of. Heed the sage advice of Henry David Thoreau, who supplies this month’s “Word to the Wise”: “Simplify, simplify.”
An idealist who stressed individualism and self-reliance, Thoreau famously lived in a cabin he built at Walden Pond on land owned by his friend and mentor, Ralph Waldo Emerson. His prescription for wellbeing was straightforward: possess fewer things, depend less on pricey goods or services, cultivate your own food, spend less money, and define yourself by your beliefs rather than your belongings.
Don’t clutter life with things; enrich it with experiences. Spend time outdoors with loved ones. Rank quality over quantity when making purchases.
Don’t live above your means. Do more with less. Downsize. Dollar stores offer similar products to high-end grocery stores. Choose fuel-efficient, budget-friendly cars, as all vehicles lose value once driven off the lot.
Children don’t need expensive gifts to have fun. When my kids were little, I bought them expensive Christmas presents, but they preferred playing with the boxes the gifts came in.
Liberate yourself from financial burdens and lead a more fulfilling life. The bottom line is, we overcomplicate rather than simplify. But simplifying alleviates unnecessary stress.
This piece originally appeared here in the Troy Messenger.
Are you a jerk?
You probably answered no. Yet you know jerks.
When we imagine jerks, it’s usually others we envision, not ourselves. We almost never say, “I’m a jerk.”
A jerk, according to Merriam-Webster, is “an unlikable person,” especially “one who is cruel, rude, or small-minded.”
Picture the jerks you know. Do you dislike them? Is it because they think you’re a jerk?
Adam Smith, known as the Father of Economics, was chiefly a scholar of moral philosophy. Celebrated as the author of The Wealth of Nations, he also wrote The Theory of Moral Sentiments, an earlier book in which he described “sympathy” in terms of the “impartial spectator,” an ideal, conjectural third party whose imagined judgment of our actions influences our behavior.
Aversion to offense and desire to please are both selfish and unselfish qualities, Smith postulated. “Every man is, no doubt, by nature, first and principally recommended to his own,” he declared, “and as he is fitter to take care of himself, than of any other person, it is fit and right that it should be so.”
Paradoxically, though, self-regard activates regard for others.
Smith explained that when we assess ourselves as we’re conscious that others assess us, we realize we’re insignificant, just one person among many, and we humble ourselves accordingly. Preferring ourselves to others, we understand that others do likewise. Therefore, we treat others as we wish them to treat us.
If Smith is correct, then why is it difficult to recognize personal errors or unkindness? Isn’t the tendency to double-down on our presumed rightness, to insist that those who criticize us are mistaken?
Often, yes. Why?
Perhaps because Smith’s moral calculus requires two conditions: willingness and effort. One must be open to self-critique, which, in turn, involves intellectual labor. We may intuit our fallibility, but we must work to overcome priors and biases to examine ourselves as would hypothetical, neutral observers.
It’s easier to avoid guilt, shame, or reproof—which accompany correction and instruction—than to challenge assumptions, question convictions, build character, and conform to high standards of conduct.
We prefer comfort to discomfort. But we mustn’t be idle. We must emulate excellence.
Smith himself furnishes this week’s Word to the Wise.
“We must endeavor,” he mused, to view impartial spectators “with the eyes of other people, or as other people are likely to view them. When seen in this light, if they appear to us as we wish, we are happy and contented. But it greatly confirms this happiness and contentment when we find that other people, viewing them with those very eyes with which we, in imagination only, were endeavoring to view them, see them precisely in the same light in which we ourselves had seen them.”
As relational creatures, we set and measure standards by others’ deeds. Our longing for praise derives from the aspiration to be praiseworthy. We don’t want to be jerks. With will and work, we don’t have to be.
Note: This piece is adapted from Allen Mendenhall’s regular segment “Word to the Wise” on Troy Public Radio.
This post originally appeared here in The Troy Messenger.
A recent report by ResumeBuilder.com found that 31% of employers won’t hire Gen Z candidates. Another 30% claimed they fired Gen Z employees who were on the job a month or less.
Why is this happening? The proffered reasons are that youth dress inappropriately, communicate poorly, request higher pay than is warranted, and avoid necessary tasks.
The company TrueBlue warns that 90% of human resources managers believe half their workforce needs retraining within five years. Why? Talent shortages and skills gaps.
“Kids these days” is a perennial complaint, but maybe there’s more to this story.
The new generation of workers—say, ages 18-25—grew up on social media and smartphones and suffered through the coronavirus pandemic, an alienating period of distancing and isolation, lockdowns and quarantines, downturn and depression, stagnation and strife. Early career professionals have trouble assimilating into the workforce because their social habits are unlike those of Millennials and Boomers. Reared on memes, tweets, and soundbites, they prefer online to face-to-face interaction.
Is this bad? Perhaps. It’s too early to tell.
Some eras undergo dramatic changes that shock older generations. Johannes Gutenberg’s printing press revolutionized Europe, enabling the mass production of books, the dissemination of groundbreaking ideas, mass literacy, scientific progress, and resurgent arts and culture. It also caused religious wars and class conflict.
The Industrial Revolution shifted the commercial focus from agriculture to manufacturing and urban technology. Although it tolerated poor working conditions and pollution, child labor and rising inequality, it also sparked ingenuity and modernization, vastly improving living standards across the world.
Even during periods of radical disruption, life goes on. Humans adapt to their circumstances and adjust practices to meet novel challenges. Exigencies require invention and entrepreneurship. “He that will not apply new remedies must expect new evils,” declared Sir Frances Bacon, “for time is the great innovator.”
On the other hand, history isn’t a continuous sequence of inexorable progress. Sometimes it involves regress and degeneration. Civilizations once august and glorious collapsed: the Egyptian, Mayan, Khmer, Aksumite, Hittite.
The Fall of Rome led to economic downturn, the loss of infrastructure, and political upheaval that undermined material and intellectual advancement.
Whether our age is one of improvement or decline remains to be seen.
Let’s return from the grand to the practical. If I were a “Gen Zer,” I would use the past as my guide for the future. Historical examples, good or bad, contribute to personal and professional growth. You needn’t reform society writ large; just reform yourself.
Start with small things. Dress appropriately for an interview. Suitable attire is contextual or situational. A job at a law firm is different from occupations on the farm or in factories. Anticipate your audience’s expectations for your appearance and meet them. Don’t expect employers to conform to your standards.
Remain open to continuous learning and different perspectives. Don’t presume you know better or more than others. You may have fresh ideas and unique proficiencies, but stay humble and use those to lift up your peers and organization.
Admit weaknesses and highlight strengths. Collaborate with colleagues who complement your talents. Seek answers. Don’t be ashamed to be wrong or confused.
Monitor your online presence. Do your social media accounts feature words or images you wouldn’t want your grandmother seeing? If so, edit or remove them.
Show gratitude and deference while maintaining confidence and poise. Be diligent and tenacious and don’t presume some task is beneath you. Most importantly, work hard! Complete assignments with excellence.
The novelist Robert Lewis Stevenson furnishes our “Word to the Wise” this week. “The obscurest epoch,” he submits, “is today.” We’re as likely to be as mistaken about essentials as our ancestors were and our posterity will be. In work as in life, for young as for old, we do well to remember that abhorring other generations only invites abhorrence upon ourselves.
Gen Z will grow old and become gatekeepers. The question is, of what?
Note: This piece is adapted from Allen Mendenhall’s regular segment “Word to the Wise” on Troy Public Radio.
This piece originally appeared here in Discourse Magazine.
Born in 1894, E.E. Cummings—poet, painter, playwright, novelist—is known for his innovative idioms, very unconventional punctuation and experimental forms. He is less remembered for his staunch commitment to philosophical and political individualism, in the tradition of 19th-century transcendentalist Ralph Waldo Emerson, which found its fullest expression in his opposition to the ascendent Marxism and communism of the early 20th century.
Cummings was raised by Unitarian parents around Harvard Yard (his father taught at the university) at a time when the chief modes of transportation were not yet by automobile. The ebullient young poet enjoyed his academic milieu with its residual transcendentalism. Even the jurist Oliver Wendell Holmes Jr., an allegedly cold realist then serving on the Massachusetts Supreme Judicial Court, acknowledged Emerson as his inspiration and wrote about “an echo of the infinite” and “a hint of the universal law.”
An urban center for publishing and speaking and all varieties of expatiation, Cambridge, Massachusetts, was at the time home to American intellectuals such as William James, Josiah Royce and Charles Eliot Norton, as well as to the nascent pragmatism that would eclipse republicanism, Unitarianism and other New World paradigms in its importance to the identity of educated Bostonians and Harvard highbrows. Burgeoning industry generated prosperity and energetic commercialism in Boston and its surrounds. The Civil War had tempered the optimism of earlier generations, but vibrant efforts to fashion a uniquely American culture and to break free from the constraints of European customs and traditions continued to shape the growing market for newspapers and books.
In this stimulating climate, under his parents’ care, young Cummings cultivated his creative talents, especially for poetry. He entered Harvard University in 1911, published his first poem in 1912, graduated in 1915 and earned a master’s degree from Harvard in 1916. As a college student he became, according to biographer Susan Cheever, “a new man, an archetypal questioner, and with this newness would come a different kind of poetry.”
Originality was the hallmark of American writing long before Cummings. The national literature, such as it was, sought discontinuity and inventiveness. The crass humor of Samuel Clemens (Mark Twain), the gothic grotesqueness of Edgar Allan Poe, the bold activism of Margaret Fuller, the caustic realism of Edith Wharton, the performative independence of Henry David Thoreau, the shocking obscenity of Walt Whitman—each contributed to the paradox of the emergent American canon: its derivative novelty and mimetic resistance to outside influences.
Strictly rhyming meter and syntax in American poetry gave way to a rebellious free verse and democratic improvisation. The ostentatious vocabulary and syntactical pretensions of upper-class Europeans were not suited to rugged American prose, which—as in Twain’s “Adventures of Huckleberry Finn”—featured common speech, plain diction and vulgar colloquialisms. But how far could writers push boundaries? How could they transcend the inescapable past or reimagine inherited orthographies? Could language exist without recognizable precedents, rules or structures? What approaches had not been tried? What poems could satisfy the endless aspiration for American ingenuity?
Stretching the Limits
Cummings may have stretched the limits as far as they could go. His anarchic, avant-garde style signaled his rogue, rollicking individualism, which, in his view, defied the dehumanizing forces of collectivism. This is not the space to examine his extensive oeuvre or undertake close readings of his thousands of brilliant poems. Yet two acclaimed examples suffice to show the lyric distinctiveness of his curious method:
when my love comes to see me it’s
when my love comes to see me it’s just a little like music,a little more like curving colour(say orange) against silence,or darkness….
the coming of my love emits a wonderful smell in my mind,
you should see when i turn to find her how my least heart-beat becomes less. And then all her beauty is a vise
whose stilling lips murder suddenly me,
but of my corpose the tool her smile makes something suddenly luminous and precise
—and then we are I and She….
what is that the hurdy-gurdy’s playing
[in Just-]
in Just-
spring when the world is mud-
luscious the little
lame balloonman
whistles far and wee
and eddieandbill come
running from marbles and
piracies and it’s
spring
when the world is puddle-wonderful
the queer
old balloonman whistles
far and wee
and bettyandisbel come dancing
from hop-scotch and jump-rope and
it’s
spring
and
the
goat-footed
balloonMan whistles
far
and
wee
In the first poem we experience a traditional theme: tender, romantic love. The second, with its evocative images, vague figures, fragmented lines and unusual, disruptive punctuation, is like the scene of an abstract painting or photograph, a rendered moment, the sounds purely imagined.
Cummings famously embraced lowercase font (or, if you prefer, infamously avoided capitalization). The spatial arrangement of this poem—large gaps between words, for instance, or the swaying effect of differing line lengths—lends the impression that the wind has blown the letters and words back and forth, together and apart, and that the ominous perspective is that of a child who is unable to articulate clearly or cogently the evanescent flurry of activity he beholds.
Emerson coined “individualism” for the American lexicon to capture the “individualisme” that Alexis de Tocqueville recorded in the early 1830s in his observations while touring the United States. The individualism that Cummings developed was more than merely a youthful sense of bravado and self-importance that would moderate as his testosterone receded with age. It was deep-seated, rational and enduring—in a word, Emersonian.
Mentor. Ralph Waldo Emerson in 1857. Image Credit: Josiah Johnson Hawes/Wikimedia Commons
Lasting beliefs earn staying power through lived experience; trying circumstances force people to validate or renounce their convictions. Two pressing events reinforced Cummings’ individualism, which he exposited with an ever-maturing understanding of the dangers of totalitarianism.
One was his detainment during World War I, right out of college. He and novelist William Slater Brown had volunteered for the Norton-Harjes Ambulance service in France. Charged with espionage because of cryptic comments in their letters home, they were imprisoned for three months in holding cells at a military detention camp in the French town of La Ferté-Macé. Meanwhile the U.S. Department of State erroneously notified Cummings’ parents that he had been aboard the SS Antilles, which a German U-boat had torpedoed and sunk.
Cummings was released from confinement without commotion or fanfare shortly before Christmas 1917 and was stateside again by January. He would later portray this period in his autobiographical novel “The Enormous Room,” which biographer Richard S. Kennedy describes as a “symbolic attack upon all governmental structures whatsoever.”
Lenin’s Tomb
The other belief-affirming event was Cummings’ five-week trip to the Soviet Union in 1931, which hardened him against communism and its American supporters. During this trip Cummings kept a diary that became his second prose book, “Eimi.” The title is Greek for “I am.” In his 1958 preface, Cummings wrote, “To devotees of the Old Testament, this may suggest Exodus III, 14—‘I AM THAT I AM.’” Cummings’ signature “i,” rendered in lowercase throughout his poetry, lacks the grandeur and majesty of the Hebrew God. Yet, paradoxically, it seems mighty in its diminutive size: a sign of individuality that draws attention to itself, its power made perfect in weakness.
First published in 1933, “Eimi” abounds with bitter, biting critiques of collectivism and of its corollary, a planned economy. This diary-invective can be obscure, its plot sequencing at times difficult to follow. Guided by a derisory version of Virgil, Cummings—the mocking and mythical narrator, a 20th-century Dante—undertakes a depressing, disturbing passage through the “unworld,” Stalinist Russia: a nightmarish hell of senseless bureaucracy, unimaginative ideology and brutalizing oppression.
His first stop on this journey: “A singularly unbanklike bank:outside,mildly imposing mansion; inside,hugely promiscuous hideousness—not the impeccable sanitary ordered and efficient hideousness of American or imitation-American banks,but a strictly ubiquitous whenwhere of casual filth and aimless commotion and profound hoping inefficiency.” Such bleak, odd imagery and frank disgust anticipate the surreal, satirical episodes he later sees and records: propaganda plays, indoctrination speeches, a plethora of comrades, secret police, a socialist jail. The neologism “whenwhere” emphasizes the managerial pointlessness of Soviet administration, which homogenizes society into a monotonous, mechanistic mass of inept, brainwashed automatons.
Henry Wadsworth Longfellow “Harry” Dana (grandson of the renowned poet Henry Wadsworth Longfellow, who had died in 1882), a union-loving advocate of labor causes, a Harvard habitué and a lively expert on Russian drama, happened to be in Russia when Cummings arrived there. With entrée into Russian cognoscenti society, Dana was Cummings’ Virgil, introducing him to the glitterati, the literati and local theater. Anti-authoritarian to his core, Cummings was unimpressed. He “went to the Soviet Union with his eyes open and without an agenda,” explains biographer Christopher Sawyer-Lauçanno, but “his experiences there, in which he witnessed first-hand the privation and sadness of the Stalinist state, certainly helped him develop an agenda.”
In “Eimi,” Cummings allegorizes his haunting visit to Lenin’s mausoleum, calling it the “Vision of Satan.” The revulsion with which Cummings illustrates the procession of bodies to the grave is palpable. Too lengthy to quote here, these lines scramble with intensity in the manner of the mourning throng—a “number of numberlessness”—which mobilizes toward “the Tomb of Tombs,” toward “Lenin our life!” and “Lenin our hope!” The tomb, discussed much earlier in the narrative, is “a rigid pyramidal composition of blocks; an impurely mathematical game of edges.”
The picture here is religious, or irreligious—the hallowed Lenin in his sacred space, wholly consecrated, absolutely revered. If Lenin is God, then his state—his government—is holy. Nothing could have been more frightening or distressing to Cummings.
Kennedy asserts that the concluding lines of “Eimi” attempt to “express something similar to an Emersonian transcendental experience, a mystical union with the creative force”:
silence is made of
(behind perfectly or
final rising
humbly
more dark
most luminous
whereless fragrant whenlessly erect
a sudden the!entirelyblossoming)
Voice
(Who:
Loves;
Creates,
Imagines)
OPENS
Notice the emergence of sound from silence: the voice a mode of agency, a source, a genesis, a conception. The result is as if to say, “You, reader, are now released from Soviet censorship, restraint and restriction; you have ended that chapter and may close this book; the future is yours to make.”
Standing Alone
Kennedy explains that the self-celebrating and increasingly embittered Cummings sometimes “felt isolated from other literary contemporaries, mostly leftists who shunned him because of his strong anticommunist views.” True Emersonian self-reliance means standing alone, if necessary, in the face of hostility and to the chagrin or ire of the naysaying multitudes. Cummings, “no base imitator of another,” struck out on his own, taking great risks with his poetry despite harsh charges that his writing was indecipherable, esoteric or impenetrable.
His acrobatic, often puzzling techniques represent aesthetically the prevailing motifs of his romantic, nonconformist individualism: imagination, life, emotion, instinct, spontaneity and love. His liberating eccentricity contrasts with the crushing, repressive and absurd Soviet system. “Eimi,” a sustained indictment of Marxism and communism, depicts the all-encompassing despotism of mobs as well as a cruel and implacable government run by myriad comrades who lack character or personality because they are subservient sycophants: dispensable units within an indiscriminate superstate of interchangeable agents and functionaries.
When the idiosyncratic Cummings died of a stroke in 1962, he was a household name, his stature secured by the blooming hippie, hipster subculture that, dissatisfied with current affairs, followed his lead in rejecting establishment standards and submission to authority. His obituary in The New York Times, published the day after his death, commences on the front page and, because of its length, extends to another section. He was a force, a giant of his time, a modernist trendsetter whose trends were insuperable, a transparent eyeball, the “i” and the person he decided to be, the Whitmanesque “me myself” who would not capitulate to badges, names, large societies or dead institutions. He was e.e. and E.E., living truly, seeing truly, acting singly. There can never be another.
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