My Year of Living Dangerously

My Year of Living Dangerously: Being consistently broke this year has given me a great perspective though. I’m fascinated and disgusted at the same time by the people who use sites like Wesabe or Mint to tally, organize, count and recount their money over and over again. I mean, do you realize that more than half of the U.S. doesn’t have any savings beyond a 401k, and the bottom third has no savings at all and heaps of debt? From reading the echo-chamber on the blogs you’d think everyone would find these sites useful. They’re not, especially to the 100MM people in the U.S. that aren’t in the middle or upper class. Seriously, where are the online financial services that will let me schedule out a bunch of bills, and pick and choose among those I can afford to pay this month based on an income that’s less than the total debt payments? That’s what I – and the other 1/3rd in the U.S. – would like to see, believe me. [I had serious conversation about a product like this, although the focus was savings not bill schedule displacement. However, the important difference I see is that it is hard for that bottom third to gain enough access to computers to make the service worthwhile, and of course, they can’t pay for it directly, it would have to be ad based or collect bounties for steering people to other useful credit tools/services/etc. Not simple. I should add that I spent quite a few years being poor when I worked as a musician, and can feel his pain quiet acutely to this day.]