Some people struggle with a compulsive need to save money. Even when their income is more than adequate, they feel as if any expense on present desires would be reckless. They see their peers fail to save for the future, and it redoubles their resolve. Some of them aspire to an early retirement, socking away their earnings in pursuit of a specific number that means “safety,” or “success,” or “freedom”—forgetting that retirement (especially an early one) tends to cause a crisis of meaning, when the intrinsic rewards of working are suddenly subtracted from life.

Of course, there’s much to be said for financial prudence, but what I’m talking about is the extreme version, where the saver begins to suffer from money anxiety, far beyond what the real circumstances impose. This can take the form of missing out on too many things, but it can also involve a partner’s distress—not just because the person won’t buy gifts or take vacations, but because they inflict too much criticism about the other person’s spending habits. In a relationship, constant penny-pinching can build resentment. And if one partner always takes the role of money saver, the other will have a hard time avoiding being cast in the role of money spender. When the saver talks as if spending and wasting were the same thing, the spender will be at risk for shame and guilt. Those are bad for the relationship.

The proverbial phrase “penny-wise and pound-foolish” is useful here (a Britishism, where a pound is worth a hundred pennies). But suppose the miser is prudent on both levels, saving money in matters both large and small. There is still a sense in which the phrase applies, because most expenses are less important than the emotional well-being of yourself and those closest to you—especially if you have a partner, and even more so if you have children. If you’re managing money well enough that your income covers your expenses and permits you to save or invest some of each paycheck, it might be penny-wise, but pound-foolish, to refuse to take your partner out on a date. That’s because the relationship is worth pounds, not mere pennies, and paying for shared pleasant experiences in the present is a form of investment in the relationship’s future.

Not only that, but the present is, strictly speaking, all we have. Aside from the fact that we might somehow die tomorrow, the present is the living flame of experience, where we are, and its claim on our resources inheres in the truism that this, too—not just the future we’re so worried about—is life itself.

Suppose you are struggling with excessive frugality, to the point where your partner feels nagged and demeaned by your bids for total financial control. You find yourself commenting on their every purchase, even though you realize the pain and anger this tends to cause. How can you stop yourself from saying this kind of stuff?

Well, here’s an exercise that may help. Imagine yourself one year in the future. You’ve now made about a hundred more remarks concerning your partner’s spending habits, their specific purchases, and their ideas about money, remarks that sprang from your anxiety and impulsivity. You rationalized your behavior by focusing exclusively on the fact that the money you were trying to save is, ultimately, for the both of you (for your family, whether it’s just the couple, or more). But now, one year on, you can plainly see how much accumulated suffering this has caused, how much distance it has put between you and the other(s) whom you love. You wish you had a time machine—you see where I’m going with this—to undo the piteous waste of closeness and harmony that you squandered in all that worrying. Well, here you are, back in the present, with those twelve months still stretching out ahead, unspoiled by any thoughtless utterance or grim withholding. How will you use this second chance?

Of course major purchases and big-ticket decisions will still require some discussion, some ambivalence, and some math. But in the small matters that crop up so frequently—stuff that costs less than 1 or 2 percent of a paycheck—you have a richesse of opportunities to let go, stay quiet, and smile on the process. For example, suppose your partner has just a brief moment free (between work and school, or childcare and eldercare, or housework and rehearsal, etc.) to grab a few necessities, and buys them at a big box store, instead of the 99 cent shop you’re sure is much cheaper. They could have spent $7 less and gotten the same stuff. Well, that $7 is not going “out the window.” It’s being invested in the relationship. You make the investment by giving up this one little nugget of control, and prizing the other person’s effort over your own vision of perfect prudence. As you watch yourself respond (rather than react), choose gratitude for the labor they did running errands, not anxiety about the price tag. Getting the job done should count for more than doing it perfectly.

When was the last time you took your beloved out to dinner? Can you afford to? If so, remember that this moment, too, is life. The present counts at least as much as the future will. And though you must save some for tomorrow, you should also spend some for today, lest it be remembered as a time of anxious austerity that could have been better, but wasn’t. Live your life, not your fears.

If this post resonates with you, consider booking an appointment with me at 917-873-0292, or email Jamey@drjameyhecht.com. Sessions are available in-office in Park Slope, Brooklyn, and remotely in NY, NJ, TX, and CA.

When a young person presents with both addiction and failure to launch, there is almost always a pressured tension between the patient and his or her family, especially those who control the pursestrings and pay for the therapy. The twenty-something’s journey (out of addiction and deferral, and into adulthood) should be distinct from his relational process with his family. In fact, it may even be psychologically necessary for him to move forward without having reached a stable accord with them. That way, he can be sure that his progress is not mere compliance. As that progress yield concrete results---especially, paying more of his own bills---he can be more confident that it isn't mere defiance, either. 

Compliance and defiance typically have been the poles between which the patient has been running back and forth for years, inside a family system which is stuck in that pattern. His compliance seems to be movement forward into adulthood, so long as most of what he complies with happens to be good advice, and reasonable rules, that come from exasperated elders who may well love him. But compliance is never really as good as it looks, because it's not autonomous, so it is not sustainable; it builds resentment that comes out sooner or later.  His defiance appears to be much worse, of course, because it's often full of hostility, self-destructive, anti-social, risky, and debilitating. 

Part of the reason this pattern is so terribly stable and hard to break up, is that the family's response to the young addict's defiance is usually a call for a return to compliance, this time a new-and-improved compliance that will last. That never works, because even if he does produce a good lengthy chunk of compliance, it's still mere compliance.  The solution is, in most such cases, to bring in a therapist whose client is not the family, but the patient himself. That way, the patient can continue doing the only two things he knows how to do, but in a whole new way which will permit him to learn new skills: he defies the family, and complies with the therapist in a genuine, collaborative search for what the patient (himself/herself/theirself) actually wants from life.

Why is that compliance somehow better? Well, between the patient and the therapist there is no personal history of being hurt, or betrayed, or robbed, or worried half to death. The professional is not burdened with guilt or regret about the past of the patient and his family. So she or he can afford to keep the patient's interests central, striving to collaborate with him on a viable path to a good-enough life (good-enough in the patient's own terms), at the heart of which must be a kind of guarded friendship between the struggling young patient and Reality. 

This is the same Reality which he has avoided for so long, languishing in addiction and the related un(der)employment. For him, Reality has been a place of failure, shame, and fear. Changing that is not easy, even with professional help. By the time such a patient arrives in the therapy office, he may have been to rehab, only once or many times. Depending on the nature of the addiction involved, recovery might be the first order of business; sometimes it has to come second or third. The choice (or the cycle) between abstinence and harm reduction should be respected, in accord with the specifics of the case and the values of both patient and therapist.

When something has been stable---even something toxic and annoyingly stable, such as a particular dynamic in a family system; a particular role for a particular person; any ongoing relational process that's been around for a while, even if it's one that truly sucks---its replacement by something better is still a big change. And all big changes, good or bad, are losses of the familiar. The good big changes are also gains, sometimes far bigger gains than the loss involved. So when a young person is coping with addiction and "failure to launch," and he or she manages to change and become successful-enough, sometimes the family gets upset---even though this good development is exactly what they've been pulling for all those years. It's new and it feels strange and people aren't sure how to respond to it.

And from the patient's side, as the therapy gains traction his capacity to manage his own affairs may be growing at a different rate than his capacity to deal with his family in ways that remain timely, kind, and effective for the pursuit of his own interest. Again: the patient's ability to cope with reality may be growing somewhat faster than his ability to deal with parents or other attachment figures in good-enough ways, enough of the time. Those older adults should try to keep these two capacities distinct in their minds, even though they are closely linked. Yes indeed, a guy who can keep a job ought to have the relational skills to manage his family elders without too much emotional noise-making. But as a therapist I can report it's extremely common for people of all ages to regress into childhood self-states when they deal with their parents---especially when purse strings are involved; or when there has been a divorce; or when there has been bereavement in the early death of a parent; and when addiction has been the main coping mechanism for a long time. If the patient acts messy with his folks, it doesn't necessarily mean he's still being messy out in the world.

In general, as far as good things go---things that might flow from the family to the patient, in recognition of his recent achievements---timing is important. It may be fine, and even lovely, for his family to use words and gifts to celebrate him for going straight after he manages to do so. But such things should never be mentioned beforehand, nor set up as an incentive. It has to be a free gift, at the right time, not too soon and without any strings attached. Of course, when therapy has just begun and addiction is still active, that's still a distant concern.

Compliance and defiance look and feel very different. Ultimately, both are forms of captivity to the cycle they form together. The way out is a genuine alliance between patient and therapist, in which it's made clear that there is a world---vital, interesting, unpredictable, sometimes friendly, and not impossible to join---beyond the one that has proven so painful and boring. Sometimes, the first hint of this lies with something outside the problem which can illuminate it: literature, or religion, or science and nature, or politics---it doesn't matter what the source is, so long as the patient gets the news (eventually, and as soon as possible) that, as Shakespeare's Coriolanus says when he leaves his mother: There is a world elsewhere.

If this post resonates with you, consider booking an appointment with me at 917-873-0292, or email Jamey@drjameyhecht.com. Sessions are available in-office in Park Slope, Brooklyn, and remotely in NY, NJ, TX, and CA.