by Dave Munger
A typical conversation about money with my stepbrother goes something like this: I ask how things are going, then he tells me something that has gone wrong. His TV is broken. One of his teeth is disintegrating and he needs to go the the dentist, but it's not covered by Medicare. Mark's small income from Social Security Disability barely covers his mortgage, food, gas, and the fixed utility bills he must pay every month. Whenever anything unexpected occurs, it's a crisis.
It's a crisis for me, too. I give him some extra money each month to help with the inevitable unexpected expenses and to put into repairing his flood-damaged home. But it's never enough. So when Mark mentions a problem that this regular income can't cover, it's an awkward moment for both of us. Mark doesn't want to ask me for additional help; he thinks I'm doing enough already. I want to help, but I'm not made of money, and my wife and I must balance our financial decisions about Mark with other needs, including putting two kids through college.
So I tell Mark that he should go to the dentist and not worry about the money; I'll cover it. But I don't say anything about the TV. I feel terrible that he doesn't have a working TV; he's isolated enough as it is, but clearly that's not as important as the teeth, right? Or is it? Maybe I should just write him a check and let him decide how to spend it. But what if the check doesn't even cover the dental expense?
Mark tells me everything is getting more expensive and his money doesn't go as far as it once did. He hasn't gotten a raise in his disability payments for two years — and I haven't increased the amount I'm sending him either. Mark doesn't buy the reasoning of my column from a few months back, where I point out that while prices haven't increased much in recent years, they have increased more for people like him.