The red ink didn’t just stain the ledger; it felt like it was bleeding into the veneer of the mahogany desk. I was staring at a 37-day delinquency on an invoice that should have been settled 7 weeks ago, back when the air was still crisp and the promises were still fresh. My calculator, a battered plastic thing I’ve carried since 1997, sat there like a judgmental gargoyle on the edge of the blotter. I clicked the ‘clear’ button three times. The result remained the same. $4,007. That was the gap. It wasn’t a mountain of money in the grand scheme of the global economy, but in the micro-ecosystem of a growing business, that four-thousand-and-seven-dollar hole was a canyon.
I’m Casey H.L., and usually, I’m the one standing in front of a lecture hall or a flickering Zoom screen with 127 people, explaining the nuances of financial literacy. I preach the gospel of the ‘slow and steady,’ the compound interest curves that look like hockey sticks if you squint hard enough, and the safety of the 401k. But today, I feel like a fraud. Not because the math is wrong-the math is the only thing in this world that doesn’t lie-but because I’ve been teaching people how to survive a world that no longer exists.