“That’s a really nice bag,” I said genuinely, taking a sip of my light bill. “Did you recently receive a settlement of some kind?” She laughed heartily and poured her Obamacare deductible down her throat in one long swallow. “Girl, nah, I bought this with money I should’ve spent on my car payment.” I clinked the ice in my checking account overdraft fees and nodded solemnly in agreement. A lot of us are living like this, right? Taking cabs and ordering takeout Thai on payday, then walking the three blocks to work from the train with a bologna sandwich in our bags a week or so later? How does
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