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April 7, 2022

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We owe $6,000 to Citibank Preferred Visa. We owe $4,000 to Discover. We owe $5,000 to BankAmericard Visa, $400 on an old Chase Visa card, $1,700 on a Chase overdraft account (which we may no longer draw on, so that as we pay off the balance we also manage to bounce other checks, written to other creditors). We owe about $3,000 to department stores such as Macy’s, Bloomingdale’s, Brooks Brothers, The Bon Ton, Ikea, Eddie Bauer, Sears. We each have one of those alumni credit cards, with $8,000 between them. The consumer credit-card debt comes to more than $28,000 overall, the interest rolling on, like Woody Guthrie’s Columbia River.Reflections on the Art of Going Broke PDF

In Reflections on the Art of Going Broke, Vince Passaro tells the story of how he and his wife, and their three children, found themselves $63,000 in debt. Terrifyingly dire and painfully spot-on, Passaro reveals, a prescient ten years before the global financial meltdown, how even a family with a $100,000 yearly income (in 1998 dollars) goes broke and lives under a mountain of debt.

Originally published in Harper’s Magazine, the piece provided grist for scores of newspaper articles and several broadcast appearances, and took the record at the time for most Letters to the Editor the 150-year-old magazine had ever received. It is as relevant for today’s middle class as it was at the time of publication. Harper’s Magazine , August 1998.

Cover design by Adil Dara.

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Description of Reflections on the Art of Going Broke PDF

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The Authors

In his newest fiction, CRAZY SORROW, acclaimed novelist, story writer, essayist and critic Vince Passaro has produced a novel of compelling beauty and startling history.

Jim Shepard, author of Phase Six, Project X, and Like You’d Understand, Anyway, says “Crazy Sorrow is at once a celebration of vitality and intimacy: a comprehensively compelling sexual and emotional history of a pair of star-crossed lovers and of a New York that’s now gone…a commemoration of the joy and possibility of what was and a lament for a lost world.”

Passaro’s first novel, Violence, Nudity, Adult Content, explored a troubled marriage and the dark traumas of mental illness, sexual assault, and murder. In the New York Times, Janet Maslin called it, “a lacerating debut novel” and “an extended moment of clarity.” In Salon, Andrew O’Hehir praised Passaro as “a literary artist and a moral intelligence.”

Now, Passaro is back with a novel that is equally provocative and grander in emotional and historical scope. Spanning four decades in New York, CRAZY SORROW tells the story of George and Anna, their lives and loves, and the drama of a rapidly changing city. Passaro’s scalpel sharp social observation and elegant, lyrical prose capture a city aswoon with money and marred by violence, as well as a tender, profoundly moving story of two people, “who had loved each other like ions, or like particles that attract but don’t join.”

“Crazy Sorrow is a series of intoxicating flings, against the backdrop of a grand romance: that’s the tagline not only for George and Anna but for fin du millennium New York as well. Vince Passaro has a cartographer’s eye, an elephant’s memory, and a poet’s heart.”
— Jonathan Dee, author of The Locals, The Privileges, and The Lover of History

Dimensions and Characteristics of Reflections on the Art of Going Broke PDF

Identification Number ‏ : ‎ B01I7DN4R2
Publication date ‏ : ‎ July 18, 2016
Language ‏ : ‎ English
File size ‏ : ‎ 1057 KB
Text-to-Speech ‏ : ‎ Enabled
Screen Reader ‏ : ‎ Supported
Enhanced typesetting ‏ : ‎ Enabled
X-Ray ‏ : ‎ Enabled
Word Wise ‏ : ‎ Enabled
Print length ‏ : ‎ 16 pages
Lending ‏ : ‎ Enabled

Top reviews

CA_Consumer

Disingenuous

July 23, 2016

Vince Passaro’s REFLECTIONS is a well-written, highly entertaining classic (1998) essay on the theme of “broke on $100,000 a year,” published in HARPER’S magazine. The author, then a university administrator living in New York city, describes how he and his wife, a photo librarian, have been unable to make do on a six-figure annual income, in spite of the fact that they take never travel, live in a rent-controlled apartment and shop for clothing at yard sales.

The implied puzzle that the reader is presented with is, clearly, how is this possible? How is it possible, not wasting money, for a “frugal” couple to be six figures in debt when earning $100,000 a year? The essay can be used as an exercise in analytical reading, to figure out how the author uses multiple distractions, in concealing the root cause of his financial problems.

“We have no joint knowledge of how we are dealing with the money issue in our lives,” the author reveals at one point, as “each of us faces the problem alone. It has been our decision to allow the collective consciousness of the society to put forward only the fantasy life ….”

In his college dormitory, he remembers: “I took all the cash I had, collected more from a number of others and burned it all on the steel floor in front of the service elevator.” He did this, to make the point that “money had no particular value other than what we choose assign it ….” Later, in graduate school, he recalls how he encouraged his wife, pregnant with their first child, to charge her tuition to a credit card, never really intending to pay off the obligation.

So it becomes painfully obvious that, although the author claims to be relatively frugal, he and his wife actually were not. And all the talk about how the couple’s financial woes reflect larger social trends really just amounts to artfully conceived distractions. For that reason, as entertaining as it is, the essay is dishonest and—in that sense—as disappointing as it is disingenuous. I searched for but was unable to find any update on the author’s financial circumstances. One can only hope that he and his wife have faced up to their mistakes and are now living a more financially responsible and less stressful existence.

Shelli M.

It could happen to any of us… and it probably will.

October 18, 2017

Despite the 2016 publication date, the Kindle Single “Reflections on the Art of Going Broke”, Vince Passaro’s totally unironic lament on the financial woes of even well-earning families, was actually a long-form article in Harper’s way back in 1998. Yet you would not have had any inkling that it wasn’t written just last week, so steady has been the eradication of anything resembling an American middle class, so sure has been the continuing rise of crippling individual debt in this country.

Written professionally (as behooves a publication like Harper’s), but accessibly and with plenty of self-depreciating humor, be forewarned that there are no solutions or even words of advice here – just an invitation for a sort of resigned mutual empathy that you’re not the only people making $100K a year, not spending extravagantly, and still barely getting by, sinking further and further into debt. If you’re young and skeptical that any sensible person with that kind of income (and a rent-controlled apartment to boot!) could possibly find themselves in such dire straits, you are the very audience that should definitely be reading this. (It’s very short, and it’s free to Prime members as a Kindle loan.) You’ll see, in cold hard numbers, how easy it is to get sucked down into the ever-spiraling vortex of debt, and, because Passaro is not throwing himself a pity party and is honest about his early errors in life, perhaps you can recognize some of your own financial pitfalls and begin to mitigate some of the conditions that may snowball later on.

But regardless of any frugal austerity measures we might take, statistics prove that Passaro is no outlier. Modern conveniences such as Internet shopping and more and more aggressive invitations from all fronts making it easier for Americans to spend! spend! spend! are exacerbated by the sharp reduction in governmental safety nets and the repeated criminal theft of assets we do manage to save by corrupt and mismanaged banking institutions. The end result is that a lot of the ability to attain personal economic security is taken out of our hands, and/or forces us into impossible choices and trade-offs. If you are already among those of us sinking in this proverbial quicksand, you are not alone. If you are not yet among us, take care – you may very well soon be. And it’s getting worse. I can only hope that Millenials who read this and, seeing what America’s repeated, failed economic policies have wrought on their parents and on themselves, are compelled to demand that lawmakers initiate (and complete!) the governmental and institutional changes that will allow Millenials to enjoy the financial security that’s becoming more and more out of reach to us all.

Reference: Wikipedia

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