Fiction by Saïd Sayrafiezadeh: I had no story except my debt. And debt wasn’t a story. Debt was a lack of foresight. Debt was being caught up in the moment. Debt was an indication of character.
Why I decided to answer the phone this time, I don’t know. There are a lot of things I do that I don’t know. “Who may I ask is calling?” I said. I was hoping that I would come across as professional and aboveboard, as if my insolvency were the result of an unfortunate misunderstanding, as opposed to my habit of spending more money than I made. But I could already feel the resignation creeping into my voice, soon to be followed by panic.
I didn’t tell him that the company was about to have its I.P.O. Six months later, the therapist and I were still at an impasse and I was still in debt. “These things take time,” he told me. “How much time?” I asked him. For this, he had no answer. Tony Robbins would have had an answer. I thought of all the money I owed my creditors. I thought of all the interest on all the money I owed. “Even if I start paying it now,” I said, “I will be behind forever.” “Sunk-cost fallacy,” he said.
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