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I know what it is like to dread going to the mailbox, because there will always be new bills to pay but seldom a check with which to pay them. I have had a passably good career as a writer—five books, hundreds of articles published, a number of awards and fellowships, and a small (very small) but respectable reputation.

I know what it is like to have to tell my daughter that I didn’t know if I would be able to pay for her wedding; it all depended on whether something good happened. You wouldn’t even know it to look at my tax return.

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“It could be,” Johnson says, “that people don’t have the money” to save.

I know what it is like to have to swallow my pride and constantly dun people to pay me so that I can pay others.

I know what it is like to have to juggle creditors to make it through a week.

has conducted a survey to “monitor the financial and economic status of American consumers.” Most of the data in the latest survey, frankly, are less than earth-shattering: 49 percent of part-time workers would prefer to work more hours at their current wage; 29 percent of Americans expect to earn a higher income in the coming year; 43 percent of homeowners who have owned their home for at least a year believe its value has increased. The Fed asked respondents how they would pay for a 0 emergency. I know what it is like to have liens slapped on me and to have my bank account levied by creditors.

The answer: 47 percent of respondents said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the 0 at all. I know what it is like to be down to my last —literally—while I wait for a paycheck to arrive, and I know what it is like to subsist for days on a diet of eggs.

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