On Living Paycheck to Paycheck

Note: This essay gathers together several different periods of my life when money was tight and the margin for error was thin. Some of these moments go back many years, including a year abroad in Dunedin, New Zealand, at the University of Otago when a bureaucratic oversight left me without a meal plan for most of the academic year and forced me into a very basic daily routine of trail mix, apricot bars, and coffee. Others come from later phases of adulthood: early teaching years in Kumamoto, young family life in Kyoto’s Mukaijima district, the strange suspended months of COVID, and the present day.

I include these episodes not as a complaint but as a recognition of how common this experience actually is. Living paycheck to paycheck is often imagined as the result of bad choices or personal irresponsibility, yet in reality it is frequently the ordinary condition of people who are working hard, raising families, paying tuition bills, navigating institutional decisions, and simply trying to keep their lives moving forward.

The story of my friend Sergio Mandiola, included here with his blessing, illustrates another version of the same pattern. A long career in education, a series of institutional shifts, and one administrative decision were enough to push a once-stable life into years of financial improvisation before things slowly stabilized again.

What these experiences have taught me is less about money than about perspective. Hunger sharpens the mind, small kindnesses matter enormously, and the distance between stability and struggle is often much smaller than we imagine. For that reason, the real lesson of living paycheck to paycheck is not resentment but compassion.

Epigraph

Money won’t save your soul.
— Tim Burgess


A lot of people talk about living paycheck to paycheck as if it were a kind of personal failure. A budgeting problem. A lack of discipline. A mistake someone somewhere made.

In reality it is something far more ordinary than that. It is simply the condition in which millions of people live their lives. Often quietly, often competently, and often without anyone around them quite realizing how narrow the margin really is.

I first learned that margin in Dunedin.

I was on exchange at the University of Otago and through a small bureaucratic mix-up I was not on the meal plan. I had no work visa and no savings. My parents sent twenty dollars here and there, but it took months before anyone realized the full situation.

So for nearly the entire academic year I developed a system.

Breakfast and dinner came from a large white bucket in my room: trail mix, carob chips, raisins, peanuts. Lunch every day was the same: one yoghurt-covered apricot bar and one black coffee at the campus canteen. NZ $3.50.

Day after day after day.

My roommates didn’t know. They just thought I hated the mutton they cooked every night. And to be fair, I did hate the mutton.

Every once in a while a friend named Maren would buy me a Snickers and a Coke at the student club and we would sit there watching the O.J. Simpson chase and the trial coverage on television. Those snacks felt like luxury.

After Dunedin, life improved but the margins never entirely disappeared.

In Kumamoto in 1997 I was earning about ¥250,000 a month teaching English at NOVA. It wasn’t a fortune but it was enough. I could go to the izakaya, drink Asahi, play pool, and date the woman who would later become my wife. It wasn’t abundance, but it was livable.

A few years later, from 2002 to 2004, my wife and I were living in a subsidized apartment in Mukaijima on the Kintetsu Line outside Kyoto. I was working part-time as a social studies teacher and earning roughly the same ¥230,000–250,000 a month. Our rent was only ¥40,000 thanks to her hospital job in Uji, Kyoto. The apartment had three large rooms, a kitchen, a genkan, and it was surprisingly well insulated.

Our son Hugh had just been born and wasn’t yet in daycare. My wife worked night shifts and often made more money than I did. We weren’t rich, but we made it work. And we were happy.

Then years later came another version of the same story. During COVID I took leave from work and drifted into a strange suspended routine. I spent most of my time in my room playing chess online, watching chess streamers, and talking on the phone. My peak rating reached about 1200, which I was absurdly proud of.

My expenses were minimal because my life had contracted. I only went out drinking with a friend named Philip maybe three times a month, usually to places like Takimiya’s, Stones, or Rub-a-Dub.

Things were precarious, but manageable. Barely. And then there is the present.

In January of 2024 I had roughly $60,000 in savings and no debt. My wife and I also had about $20,000 in gold and platinum and a couple of retirement plans. It looked, on paper at least, like stability.

But the final years of my son’s schooling at the University of Auckland slowly drained those savings. As I write this in March of 2026, at age fifty-one going on fifty-two, I have about $3,000 in the bank and another $3,000 on a Kyoto Bank credit card. My ANA card covers most day-to-day expenses, but that line of credit has been cut before and could disappear again at any time.

I am a professional educator with thirty-five years of experience. I am gainfully employed and reasonably skilled at what I do.

And yet the margin remains thin. But my story is hardly unique.

My friend Mandiola is sixty-three years old and has spent most of his life in Los Angeles. He knows that city better than almost anyone I have ever met. His first job after high school was delivering maps for a map store, which meant driving all over the city and learning it street by street. Later he earned a degree from a University of California campus and became a high school teacher in the Beverly Hills public school system.

For a while things were stable. Then life intervened. Divorces, relocations, graduate school that never finished, and years of improvisation eventually brought him back to Los Angeles where he landed what he considered a dream job in an independent study program. He taught the children of show-business families and even got to know people like Larry King through the students he worked with.

He loved the work. He was his own boss and taught every subject except music. After school he played board games with the kids. He was, in his words, in hog heaven. Then a new administration arrived. He calls them the Chicago mafia. They decided he was too expensive and too independent. He was replaced, after years of conflict and legal battles, by what he describes as three bureaucratic drones. A $60,000 settlement kept him afloat for a while, but the money vanished quickly.

When I visited him in Los Angeles in March of 2024 he was essentially broke. He struggled to cover his mortgage, his association fees, his car insurance, and groceries at Trader Joe’s. He borrowed money from friends, from his mother, from anyone willing to help.

Eventually he pieced together work again through substitute teaching and tutoring. Today he earns about $4,100 a month and is just months away from retirement eligibility. Even now he occasionally borrows money. Not because he is irresponsible, but because life sometimes simply runs that way.

And that, in the end, is the point. Living paycheck to paycheck is not a moral failure. It is a structural reality for a huge portion of the population. Careers falter. Administrators make decisions. Tuition bills arrive. Children grow up. Systems fail. Life shifts. Hard times can strike almost anyone.

What those years taught me — from Dunedin to Kumamoto to Mukaijima to the strange suspended months of COVID and the present day — is how little we actually need to survive, how hunger sharpens the mind, and how enormously small acts of kindness can matter.

But most of all they taught me how close to the edge so many people really are. Which is why compassion is not optional. It is necessary. Now more than ever.

Dedication

For the middle and lower classes.
For now and eternity.

On Staying in Business Hotels (Featuring a Little 9-ball)

A hotel room: the same cell in a different city — clean towels, a window, and the sense of being contained but cared for

Mark Sandman, refracted

A haunted hotel room, unblessed, charged with static; objects shifting on their own.

The Church, refracted

New Note: On the kibbitzer (two b’s there Mr. Auto-Correct baby), I am re-printing certain select pieces for a little while while I work on another writing project. Today I am re-printing this piece on hotels. This piece has gone through several iterations over time, it is in fact probably my most heavily edited piece, and concerns the experience of staying at business hotels. In a way this is perhaps my very best piece in that it is one of only three that survive from my first blog Classical Sympathies, which I started in 2008, right around the time I began working to build the IB Course at our school. Of course given later (and earlier) events, this was no coincidence. Essentially, the blogs were, for lack of a better phrase “trauma blogs,” or, to put it more positively, recovery blogs. I like that–let’s stick with it. So this piece was about finding safety, physical and psychological, in a hotel room, while at the same time knowing, paradoxically, that hotels, especially fancy ones, are sometimes, or even often, the target of violence for various reasons.

Note: I have stayed in a number of such hotels over the years and engaged deeply with the room-space in each case. At this point, I am prepared to say that I am “good at” staying in hotels (an absurd claim that I advance nonetheless), and feel authorized to advance some notes toward a general hotel theory. Facility as a hotel guest though not exactly a marketable skill, has yielded some insights about the general, perhaps archetypal, nature of the modern hotel stay. Despite at this point considerable experience in the field, I continue to find the hotel experience at once comforting and bizarre, and hotel rooms, when properly apportioned, womb-like and exercising a specific and fascinating gravity. Also, the first draft of this piece was completed when Larry King was still alive.

This piece also mentions my “fugue state,” and it is true that as a PTSD response to childhood sexual abuse I would sometimes, more than once for sure, slip into a kind of state of taking automatic actions which I recall, but only somewhat. During these states I would arrange and re-arrange the room, the things in my bag, etc. in a way to place little reminders to myself in the future. It is a little hard to explain, however once again psychologically literate folks will follow along.

Finally, in my opinion, this is a pretty funny piece. Not as funny as Mason Anderson but still not bad. And it advances the absurd, yet still somehow defensible, position that I am “good at” staying in hotels. I hope you enjoy it.

Part I:

The TV was turned to CNN, which was focused on violence somewhere. I could not tell where. The experts in their suits and hairsprayed hair presented the conflict as if conflict was inevitable. They agreed it was happening now and could be prevented, but at the same time at the conclusion of the piece they smiled politely and signed off as if the violence was also occurring in a land so distant it might as well be the past.

Emily Maloney

I have stayed in quite a number of business hotels, in quite a number of countries. This piece provides, in essence, a sort of “psychograph” of the business hotel experience. Three features of business hotels that we may want to consider are: i) like airports, all business hotels share a single ethos, an un-pindownable character that feels, wherever one happens to be geographically speaking, of a piece; ii) the effect of the television offerings, in particular CNN International, on the business traveler, is one of overwhelming relaxation, bordering on complacency and even numbness; iii) as a corollary to i), it is far easier to enumerate how business hotels resemble one another than to lay out any salient differences.

Oddly, minor local variations only seem to further reinforce a central sameness. Checking into an 11th floor room at a classic example of the species, for instance the Numzau Tokyu Hotel, half an hour south of Tokyo, Japan, one is affected at once by that strangely pleasant fugue state, a state of mind almost exactly halfway between bliss and malaise, attendant on “business” hotels. Once inside a business hotel, especially those neither top-of-the-line nor quite down-and-out, one is confronted with a kind of disembodied space which seems at once connected to a global network of similar hotels (accomplished in part through the simultaneously soothing and hypnotizing effect of CNN International) and disconnected from the local environment. The traveler is sucked into global weirdness through a combination of the flat, post-political window of CNN, the persistent low hum of the air conditioner, and the anodyne staleness, almost spartan, quality of the decor.

Oddly, any “artwork” or decorative flourishes that a hotel room may possess only serves to further a sense of featurelessness; the art in question being almost exclusively of the most banal nature–bland seascapes, abstracts denuded of all edge or verve, and those odd non-paintings that, try as you might, you forget the second you exit your room. One has to remind oneself that a business trip means that there is work to be done–the TV, the slight high resulting from contact with the bowing attendants, the men in black, and the blushing young lady who carries your bag, the knowledge that your company is footing the bill–all this lulls you into a kind of sleep of the spirit.

Turning on the TV, you feel that you could spend years, lifetimes even, staring at CNN’s Larry King (the long-dessicated one), the post-racial female anchors who bring that special Code 46 feel of the non-overt future, or the exquisitely paralyzing “World Weather,” before awakening in another age, the Rip Van Winkle of the travel world. When CNN finally wears out its welcome, one’s choices of pay channels open up the fascinating worlds of…golf (the Golf Channel), silicone starlets (the Playboy Channel), intimate acts in close-up (the “adult channel”), and, most fittingly, drama set in outer space (the Battlstar Galatica channel). This profile of options, golf, softcore, hardcore, and outer space, the result, presumably, of reams of data on the tastes of business travelers like me, the mobile working male, I want to find depressing, but the menu has something beautifully efficient about it. Not wanting to get sucked into the anesthesizing vortex of any of these choices, I have to force myself to rise from the supine contemplation of the only-vaguely Chinese news anchor and move on with the day.

My senses are momentarily quickened by a report of an attack on a hotel in Pakistan: a horrific assault which has taken place at a Marriott in Islamabad. Oddly, the reality of this event quickly fades, and what Richard Todd calls the “non-ness” of the Marriott up the road strangely becomes the non-ness of violence–the attack in Islamabad conveys, through the lens of the CNN International, not exactly shock, but a continuing and deepening sense of global weirdness only slightly tinged by fear resting on the realization that as a business traveler in exactly this kind of hotel, I am the target. Oddly, this realization is not as disturbing as it ought to be: my fugue state is such that I am more in, more of, Islamabad than Numazu, but not wholly there either. Instead, I am poised somewhere between Islamabad and Battlestar Galactica, cavorting with post-racial android news anchors who bring me news of a planet this 11th floor, air-conditioned bubble of a non-space has left far behind.

Part II:

In part II of this essay will we delve a little deeper into the business hotel experience using as a lens “J.G. Ballard: Conversations.” Ballard probably needs no introduction, but for those who have yet to fall until his influence, he is the author of “Empire of the Sun” and “Crash” who wrote dozens of fantastic semi-Sci Fi short stories in the late 1950s and through the 1960s including “Prima Belladonna,” Thirteen to Centaurus,” and “The Terminal Beach.” Ballard novels, in my opinion, are not as uniformly satisfying as his short stories; at novel length his “obsessions,” beach resorts, empty swimming pools, gated communities, plastic surgery, car crashes, the interplay of sexuality and technology, tend to wear a little thin.

In “Conversations,” Ballard offers the following defense of his insularity and thematic repetition: “I think the values of bourgeois society by and large have triumphed. We’re living in a world where people at the age of 22 and 23 are thinking about their mortgages. It is a fact, and there’s nothing much on can do about it, except cultivate one’s obsessions and one’s own imagination” (144), but this approach works better in his short stories (which Ballard has not written for nearly two decades now), where his limited set of concerns are reflected and replayed through a panoply of settings and situations such that he resembles a virtuoso musician building off of certain stable base elements to create endless riffs and improvisations.

As a boy, Ballard was, famously, incarcerated in a Japanese prison camp in Shanghai, and this formative experience informs both his autobiographical “Empire of the Sun” and his short stories. But instead of literal prisons with externally imposed walls and limitations, Ballard’s characters seem over and over again to be immured within prisons of their own creation. Story after story features some variation on one of two related themes; scientists careening off on private quests that eventually destroy them or people seemingly sequestered or restrained who turn out to be acting in psychic complicity with their imprisonment. Ballard himself admits to the centrality of the prison experience in “Conversations” when Mark Pauline asks him “Writing Empire of the Sun hasn’t helped you forget those horrible years in the camp” and Ballard responds “But I’ve been writing about it all the time–I just wrote about it in disguise” (138).

“J.G. Ballard: Conversations” was overseen by one V. Vale, who, to all appearances, is a full-fledged Ballard maniac, and contains a number of Vale’s telephone conversations with Ballard and other Ballardians including the composer Graeme Revell and Ballard archivist, David Pringle. Ballard has a lot to say about that particular semi-reality fugue state described in my earlier post. As noted above, Ballard has a special fascination with self-imposed psychic incarceration: “I have a nightmare vision of a gated community of extremely expensive houses inside a larger gated community. It’s bizarre” (72). Ballard is also concerned with the dual themes of self-immurement and the mind-meld that occurs between the individual and their media systems. These two themes may not seem to be obviously related, but after reading 300 pages of Ballard on the telephone, all of his particular obsessions do seem intertwined, and connect with my experience of staying in business hotels. Take for example Ballard on why Surrealism no longer obtains:

“Classical surrealism, beginning after the First World War, made a very clear distinction between the outer world of reality {…} and the inner world of imagination {…} But after the Second World War, particularly as the media landscape developed enormously–thanks to television, mass advertising and the whole consumer goods landscape–the distinction between our reality and inner fantasy began to break down {…} This means that it’s very difficult to maintain the dichotomy, that contrast that the Surrealists required {…} As I’ve said before, in the last 20 years if you stop somebody in the street and ask the time, you might look at a watch with Mickey Mouse on the dial {…} It cuts the ground from under classical Surrealism” (166).

When viewing CNN International at a business hotel, I realize, pace Ballard, that the world as reflected does have aspects of the surreal, especially in the consummately inoffensive manner in which it presents horrific international incidents interlaced with “the exquisitely paralyzing World Weather” and 9-ball tournaments from Bangkok replayed several times a day. This approach effectively colonizes my own imagination by rendering the unthreatening creepy and and the unbearable passe.

The oddest thing about CNN International is that the news itself is actually not all that bad. Real news about real, important, global events, comes across the airwaves, but it gets somehow stripped on much of its impact through the presentation. Ballard in 1991: “We get the Newzak all the time. It’s been homogenized, trivialized, and there’s too much filler added to smooth it down so that it comes out like paste from a tube” (178). It’s not that the news isn’t there, it’s just that, pace Ballard, there is no room for either surrealism or real impact. Ballard explains that the Dali/ Bunuel films (Un chien andalou and L’ Âge d’or), so shocking at the time, would not work today: “The sight of people dragging dead donkeys through a dining room would {seem to be} some sort of advertising stunt–a beer commercial” (166). Here is David Pringle on why Ballard is not a Marxist:

“Ballard, being a good Freudian, is much more interested in the individual’s–yours and mine–collusion with what’s going on, our secret wishes, that in the idea of conspiracy–that there are conspiratorial entities out there trying to ‘get us’ {…} Ballard asks, ‘What are you out to do to yourself? What are you own darkest wishes? What are we all doing to ourselves collectively?'” (226).

Ballard also writes “I accept the Surrealist formula: the need to place the logic of the visible at the service of the invisible, to remake the world around us by the power of one’s imagination, which after all is all we’ve got. I mean, the central nervous system is faced with a world of Mariott hotels and ex-actors turned world leaders, dangerous medicines and you name it. The individual central nervous system can only attempt to make sense of this” (276).

Eventually, if she has even the slightest modicum of self-awareness, the business traveler comes face to face with Ballard’s question: “‘What are you out to do to yourself? What are you own darkest wishes? What are we all doing to ourselves collectively?’ This is because the enervating lassitudinal comfort of your standard Mariott is, in the worst possible sense, addictive. When you begin to run down the list of hotel features: airport pickup, bowing attendants, elevators, room service, air conditioning, permanently locked windows, security barrier, ubiquitous carpeting, fresh towels and soap, overpriced but almost appetizing meals, pool and hot tub, 9-ball on a loop, world weather, all these items add up to a simulacrum of a total existence that very quickly begins to edge out the rest of the world–there is no need to leave the compound and submission to the soft tyranny of over-priced conveniences sets in almost immediately.

At the same time, CNN International allows the illusion of connectedness while in fact only furthering one’s suspension in the high-rise ether of the business hotel complex. “One has the illusion you’ve seen a place in fact when you haven’t seen it at all. All you’ve seen are the airports and the hotels” (288). Ballard here hints at something I have long felt to be the case: all airports actually belong to a single country, and the vast majority of business hotels likewise sit uneasily within their supposed national confines; they are more like each other than they are like the buildings or community around them. The overpriced airport hotel in Tokyo resembles nothing so much as the overpriced airport hotel in Vancouver, which in turn is the kissing cousin of the airport hotel in Beijing, etc. Here again, local differences only seem to accentuate a basic central identicalness.

Ballard again: “People use mental formulas that they’ve learned from TV. Even in ordinary conversation, if you’re talking to the mechanic at the garage about whether you need new tires for your car, you and he probably talk in a way that his equivalent thirty years ago would never have done. You use–not catch phrases but verbal formulas. Suddenly you realize you’re hearing echoes of some public-information, accident-prevention commercial. It’s uncanny” (83).

(Ballard has the strange habit of ending thought after thought with “It’s bizarre;” “It’s strange;” “It’s uncanny”–this verbal tick serves as a running indicator of the way that Ballard sees the world and helps explain how, over the course of a novel, he can focus on a certain object, a tennis machine for example, or swimming pool, with such relentless obsessed focus that the formerly normal becomes invested with a kind of pathological creepiness that entirely transcends simplistic one-to-one correlative symbolism.)

Ballard’s central point here hints again at the colonizing power of certain ideas and turns of phrases which seep into our everyday speech, tempered only by feeble attempts to ironize. Thus, when in the course of normal conversation one refers to a storm as “an extreme climatological event,” to a sign as “singage,” or to a car crash as “a simultaenous intersection of vehicular components” the use of such terms, although masked with a patina of apparently self-knowing irony is still, in its own way, perfectly sincere. Here, submission to the linguistic idiocy of corporate non-speak marries submission to the blissful “non-ness” of the business hotel, a paradise of our own collective fantasy where the towels are always clean, the windows are always closed, and 9-ball is always on.

Dedication: For the APA chain. I know it’s kind of a cult, but man are they reasonable, conveniently located, and comfy.

Works Cited:

J.G. Ballard, J.G. Ballard: Conversations, ed. V. Vale (San Francisco: RE/Search Publications, 2005).

Emily Maloney, from an essay in an early-2000s political anthology (exact source lost to time)

Notes on Breathing

A lot has been written and said about breathing.  Here’s some more of that.

Most people it seems to me breathe pretty high in their chest.  This makes some sense because your lungs are up there somewhere.  However, I’ve long thought this was basically wrong.  When someone says, “take a deep breath,” well, deep implies lower down.  And, meditators, who know something about the topic, sort of breathe with their belly.  That’s why they get a little fat there–a little buddha belly.  Breathing in the belly centers us and calms us down.  It’s also a pretty cool motion.

Recently though, I realized that I have been over-modeling meditation breathing at the expense of breathing in my chest.  I went from one extreme to the other, failing to remember the middle way principal.  Do you know the middle way principal?  It’s pretty easy to remember.  The middle way principal is simply: “just split the difference, dude.”

So that’s what I’m working on.  Breathing in the chest upward with vigor–that brings inspiration and good upstairs action.  And, breathing in the belly, making a little balloon there at the same time.  This feels good.  Like a middle way.

No one really teaches you these things, or at least they didn’t me.  If this makes sense to you in any way, maybe tell someone about it.

Notes on Day to Day Living

This is notes on breathing the second version. Well, the thing I’ve learned about breathing is, it is better to do it slow than fast unless there is a really darn good reason.

I’ve been using the apps Calm and Insight Timer to help me breath these days and I recommend you take a look at them. They have other great features like sleep help, chakra stuff, and yoga.

Also, The 12 Minute Athlete is a good app for exercising in small time frames. I haven’t mastered the art of the 12 minute workout myself, but I sure would like to get there.

Final pro-tip, sunlight helps provide us with Vitamin D, so I have heard. Sunlight. in moderation, is pretty sweet. It’s my jam.

Notes on Breathing

A lot has been written and said about breathing.  Here’s some more of that.

Most people it seems to me breathe pretty high in their chest.  This makes some sense because your lungs are up there somewhere.  However, I’ve long thought this was basically wrong.  When someone says, “take a deep breath,” well, deep implies lower down.  And, meditators, who know something about the topic, sort of breathe with their belly.  That’s why they get a little fat there–a little buddha belly.  Breathing in the belly centers us and calms us down.  It’s also a pretty cool motion.

Recently though, I realized that I have been over-modeling meditation breathing at the expense of breathing in my chest.  I went from one extreme to the other, failing to remember the middle way principal.  Do you know the middle way principal?  It’s pretty easy to remember.  The middle way principal is simply: “just split the difference, dude.”

So that’s what I’m working on.  Breathing in the chest upward with vigor–that brings inspiration and good upstairs action.  And, breathing in the belly, making a little balloon there at the same time.  This feels good.  Like a middle way.

No one really teaches you these things, or at least they didn’t me.  If this makes sense to you in any way, maybe tell someone about it.