• Banking,  Credit Cards,  Debt,  Financial Regulation,  Road Trip

    The space between want and need

    I’m now on Day 13 on my road trip at my aunt and uncle’s farm in Blue Earth County, Minnesota — today is the first day of the planting season for corn. It’s getting a late start because of all the rain. My next stop will be in Iowa. If there’s one comment that has come up in most of my interviews with the people who wished they hadn’t borrowed money on a credit card, it’s that they used the card for things they realized they “didn’t really need.” That word “really” hints at the notion that there is actually a lot of ambiguous space in between want and need.…

  • Debt,  Jobs and Working,  Road Trip

    Day 2: What is opportunity?

    I’m now on Day 9 in the Twin Cities, by way of Milwaukee, Springfield, St. Louis, South Bend, Chicago, and Cleveland, but this story will talk about Day 2, Detroit. My first stop was the Heidelberg Project, an art installation where Tyree Guyton has used a city block to reflect on time, hope, and community. Guyton grew up on Heidelberg Street, and returned to it as an adult to find vacant lots and a neighborhood where poverty is deepening. Detroit is a city whose population is only 40% of what is was at its peak. There is no way you can drive around Detroit, at least the neighborhoods where I…

  • Road Trip

    My plan to see America. Day One: Cleveland

    I left yesterday on a cross-country road trip. I’ll be back in Washington, D.C., in mid-July for a day or two, before looping up to New England and then back down. Part of the challenge of this type of trip is knowing that you can live a place for years without understanding it. I grew up in Charlotte, North Carolina, and lived there until I went to college in Durham. If you’ve seen the Hunger Games films, Charlotte is literally “The Capital,” by which I mean that’s where “The Capital” was shot. If you drive between South Charlotte where my parents live and “Uptown Charlotte” (what you would call “Downtown”…