My father taught me to steal bread before I turned 10—not out of desperation, but of cheapness. I grew up in northern Delaware in what was financially a middle-class family. My father had a good job in HR at Columbia Gas Systems, and my mom was a stay-at-home mom. They built a house in the suburbs in 1970, and we were even able to buy a new car (a Chevy Impala). Those were the days. Except they weren’t. My dad had us thinking we didn’t have money to do anything. “Vacation” meant traveling to Pittsburgh to stay with my mother’s parents (now those were the days because we had the best maternal grandparents in all the world!). “Going out to dinner” meant going to Burger King and, get this, sitting in the car to eat it. We never ate inside. I do not know why, but I know it would have felt fancier to me if we did. Sure, we always had food on the table, but we never ate as well as our neighbors. And worse yet, my dad would kind of make us shoplift. He would drive my brothers, sister, and me to the local corner grocery store for bread, milk, and a 2-liter bottle of Pepsi (although it wasn’t in liters in the 1970s) and told us to walk out without paying (while he waited in the car). I do not honestly remember if we ever really did steal those items, but I certainly remember the encouragement to not spend my dad's money. That same mindset followed us everywhere. When we went to get new shoes, we went to a store that was the equivalent of Walmart, and he switched the price tags so that we would pay a lower price for our shoes. These are not the life lessons or financial advice parents should teach their children.
I felt embarrassed going to school because I always had “last year’s shoes.” And remember the Levi’s fad – EVERYONE wore Levi’s! Except us. My brothers, sisters, and I did not wear Levi’s. We could not afford them, my parents claimed. We got to wear jeans ordered from the Sears catalog. I mean, those jeans were fine, but they were no Levi’s. I recall that I somehow got a hold of the little red “Levi’s” tag and managed to sew it into the back pocket of a pair of, well, Sears’ jeans. Desperate times called for desperate measures.By the time I reached the age where I could start earning my own money, boy did I go hog wild! I got a job soon after I turned 16 (as a waitress at a diner where my brother worked as a dishwasher). And I took on as many hours as I possibly could. You see, by this point, my parents were separated (for the very last time and were soon to be divorced). As it turns out, my dad did have a good income, but he preferred to spend it on booze, gambling, and women more than on his family. My parents had to refinance their home at one point to support his gambling debt. And when he left in December of 1979, he did not give his wife of 22 years or his four kids (all under the age of 16) a single dime (at least not until my parents were officially divorced, and even then, my mother only got child support enough to barely cover the mortgage). So, by the time I started working, it was not to buy that coveted pair of Levi’s – it was to put food on the table, gas in the car, and heat in the house. Between the time I was in high school and off to graduate school, I typically worked two or three minimum wage jobs, always looking to work holidays or Sundays for extra pay, always looking to do almost anything to earn money. My early experiences taught me to be money insecure, and I was bound and determined to make sure that I would never be broke and that I would never depend on someone for income.
But I overlooked one crucial thing: making sure I didn’t end up with someone financially dependent on me. Long story short, while juggling grad school (on a stipend), a marketing job, and adjunct teaching, I found myself as the sole financial provider in my marriage. For 37 years of my life (5 while living together, 21 married, and another 10 paying spousal support), I carried the weight of our finances alone. After decades like that, it’s hard not to feel like financial stability is always just out of reach.
And even now, even at 60-something years old, I still find
myself money-insecure, always looking for ways to work more. Social
psychologists call this a “scarcity mindset” -when lack hijacks your brain,
convincing you that no matter how much you earn, it could vanish tomorrow. For me, it began with stolen bread and Sears jeans, but it
didn’t stop there. Even after decades as a professor, my salary and retirement savings can’t quiet the
voice that keeps asking, “What if it’s not enough?” It’s why I say yes to every $150 book review
and every extra class. Logically, I know better. But scarcity isn’t logical.
As I think about retirement, of course, I worry—like so
many—about outliving my savings. But my deeper fear isn't just about running
out of money; it's about no longer generating income. If I don't teach that
extra class, write that book, or start that Etsy shop, no paycheck will come
in. No new money will be created. Scarcity leaves scars. At 60-something, I
know my 401K is healthy. I know I’ve earned rest. But knowing isn’t feeling. So
I’m still sewing those Levi’s tags into my life—grabbing every side gig, every
chance to earn—not because I need to now, but because that kid who never had
enough is still part of me.
Does scarcity whisper to you, too?