Craig Finn on Nightlife and Adult Relationships IV: Sixers

Note: This short reflection began simply as a reaction to hearing “Sixers” from The Price of Progress by The Hold Steady. Over time, however, it became clear that the song belongs to a larger lineage in Craig Finn’s writing: the quiet, observant songs about adult relationships that never quite come together.

Listeners familiar with Finn’s work will recognize echoes of earlier pieces such as “Spinners,” “Tangletown,” “Esther,” and especially “Jessamine,” where a brief encounter carries emotional weight far beyond its duration. What interests me most about these songs is not romance itself but the fragile moment where two people briefly imagine a connection that may or may not exist.

“Sixers” captures that moment with remarkable economy. Like many of Finn’s best narratives, the drama unfolds not through big revelations but through small gestures, passing observations, and the social physics of an evening that slowly runs out of momentum.

The song feels unmistakably rooted in the atmosphere of the pandemic and its aftermath—a period when many people were cautiously trying to reconnect with the world after long stretches of isolation. In that sense the characters in “Sixers” are not unusual figures but recognizable ones: two lonely people improvising a small pocket of companionship inside a quiet apartment building.

That the connection ultimately proves fleeting is not really the point. The attempt itself—the knock on the door, the drinks, the conversation—is what gives the evening its meaning.

I came to The Hold Steady a little late. Around 2016 I first heard “Constructive Summer” and “Sequestered in Memphis” from the 2008 album Stay Positive—probably through the Spotify algorithm, which occasionally earns its keep. That was the gateway. Even though I had missed the band’s original wave of excitement, I quickly made up for lost time and worked my way through the entire catalog.

A couple years later I went deeper and began listening seriously to the solo records by Craig Finn. That opened another rabbit hole. My early favorite was “Three Drinks,” but over time songs like “A Bathtub in the Kitchen” and “It’s Never Been a Fair Fight” began to feel like the real center of gravity in Finn’s songwriting. The solo records are quieter and more novelistic than the Hold Steady albums, and in some ways I’ve come to think they are even stronger.

Around that same time a music-obsessed friend I met at two Hold Steady shows at Brooklyn Bowl told me that if I really wanted to understand Finn’s writing I needed to go back further, to his earlier band Lifter Puller. He was right. Lifter Puller turned out to be a wilder and more manic version of the same storytelling instinct. The songs move faster, the rhymes pile up in breathless clusters, and the characters—people like Nightclub Dwight—feel sketchier and stranger than the ones who would later populate Hold Steady songs about figures like Charlemagne. Tracks like “Nice Nice” and the closing songs on Fiasco are still some of the most exhilarating music Finn ever made.

All of which is to say that Craig Finn has gradually become, for me, the greatest living songwriter—even if I still concede that the all-time crown belongs to Bob Dylan.


What makes Finn particularly fascinating is the emotional terrain he covers. Early Hold Steady songs often dealt with youthful chaos—parties, drugs, Catholic guilt, and the reckless mythology of young adulthood. But over time he has developed another genre that may be even more compelling: songs about messy adult relationships.

These songs usually revolve around people chasing the thrill of a connection even when they suspect, somewhere deep down, that the connection will probably be short-lived. The crush, the fling, the brief dalliance—these impulses are deeply wired into human psychology and deeply embedded in the culture and art we consume. Finn understands that instinct perfectly. His characters repeatedly pursue moments of intimacy that are intense, fleeting, and often slightly ill-advised.

You can hear that theme in songs like Spinners, Tangletown, Esther, and perhaps most perfectly Jessamine. What distinguishes Finn’s writing is the concision with which he captures these emotional situations. Few songwriters are better at compressing an entire relationship dynamic into a handful of lines. In that respect “Jessamine” may be his masterpiece: a small, perfectly observed sketch of longing, timing, and missed possibility.

It is within that lineage that the song “Sixers,” from the 2023 album The Price of Progress, finds its place.


The Price of Progress feels unmistakably like The Hold Steady’s COVID-era record. Finn has described the album as a set of narrative songs about people trying to survive modern life—navigating isolation, economic pressure, technological dependence, and the strange psychological residue of the pandemic years. While the previous album Open Door Policyhad largely been completed before the lockdowns, The Price of Progress was written in the wake of that disrupted period when people were cautiously trying to rebuild their social lives.

“Sixers” captures that atmosphere perfectly.

The entire story unfolds inside an apartment building where two strangers live stacked one above the other. Both are alone. Both are restless. Both are coping with their evenings through small chemical adjustments—beer, pills, and cocktails.

The woman downstairs begins the night with a six-pack from the store down the street and a prescription meant to help her focus her attention. The man upstairs has just returned from another steakhouse dinner with coworkers in asset management, a job that is, as Finn notes dryly, “as thrilling as you’d think.” The two have seen each other before at the mailbox, one of those semi-public urban spaces where strangers develop a faint familiarity without ever truly knowing each other.

The encounter begins with a pretext. She knocks on his door and tells him she thought she heard footsteps upstairs.

The truth, of course, is that she is simply lonely.

Like many Finn songs, the story unfolds in the semi-public spaces of urban life—apartment hallways, mailboxes, shared walls—places where strangers gradually become aware of each other without ever becoming fully connected. Finn has always had the instincts of an urban anthropologist, observing the small rituals and awkward encounters that define city living.

For a while the evening works. They talk about work and school. They discuss how the city has changed. They make drinks in the kitchen—he measures gin while she crushes pills on the counter. At one point he is “muddling the mint,” a beautifully precise detail that captures the strange domestic intimacy that can arise between two people who barely know each other. Soon they are dancing, sending out for takeout, and even sharing inside jokes.

For a few hours the night begins to resemble a small, improvised relationship.

And then comes the hinge of the entire song.

Sunrise into sundown, sending out for takeout, sharing inside jokes now
He finally tries to kiss her and she says that it’s not like that.

With that single line the entire evening collapses.

Everything that seemed like romantic chemistry turns out to have been a misread signal. The connection was real enough to sustain conversation, drinks, dancing, and jokes, but not the kind of connection he thought it was.

One of Finn’s recurring themes is the almost-relationship—encounters where two people briefly imagine a connection that never quite materializes. Songs like Jessamine, Spinners, and Tangletown inhabit that fragile territory. “Sixers” belongs squarely in that tradition.

Finn doesn’t dramatize the moment with an argument or confession. Instead he shows the social physics of awkwardness taking over: everything slows, the conversation falters, and the energy drains from the room.

The next gesture is even more telling.

She cleans off the countertop and says she should probably go.

It is a tiny domestic act, but it carries enormous emotional weight. Cleaning the counter becomes a way of resetting the scene, erasing the traces of the evening before leaving.

Like many Finn songs, “Sixers” tells its story through objects as much as through dialogue. The room fills with small details: the six-pack from the corner store, the pill bottle in the cupboard, the carefully mixed drinks, Sinatra on the stereo, and one quietly devastating observation about the apartment’s décor.

At one point she notices a Nagel poster hanging on the wall in a silver frame and thinks it looks kind of lame.

It’s a perfect Finn detail. In a single line we learn something about the guy’s taste, his slightly square professional aesthetic, and the quiet judgment forming in her mind even while the evening unfolds.

Months later she sees him again in the hallway. This time he is standing with his fiancée, whose name she can’t quite remember—Kelly or Katie.

The moment closes the loop of the story. Whatever possibility once existed between them has long since evaporated. The evening that once felt full of potential turns out to have been only a brief improvisation between two lonely people passing through the same building.

The song ends where it began, with footsteps.

But this time the sound isn’t real.

She thinks she hears footsteps
But now they’re not really there.

The knock on the door that began the story was an attempt at connection. The footsteps at the end are only the ghost of that attempt, echoing in the quiet of her apartment.

Like many of Finn’s best songs about adult relationships, “Sixers” isn’t about catastrophe. Nothing explodes. No one storms out. The drama is smaller and more recognizable than that.

It is simply about lonely people improvising connection in a time of trouble.

And sometimes getting it slightly wrong.

Note: If you like this essay, you may also like the essays below which also deal with the singer-songwriter Craig Finn and his band The Hold Steady.

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.