The financial meltdown of the past week has certainly rocked a lot of folks.
I mix and mingle and e-mail with a really wide variety of people. Well-off stay-at-home moms who haven't worked for pay since the birth of their first child. Students living on student loans and wondering how (if) they'll ever pay them off. Industry types who are guaranteed large chunks of change on every project, whether they had much to do with it or not. Industry types who desperately hope that today will bring a returned phone call from an agent, a residual check in the mail. Working stiffs whose retirement plans have just been wiped out. Freelancers moving from job to job and hoping that one of the temp gigs will turn into something real. And way, way too many people with absolutely no health insurance, hoping that the next handshake won't be the one carrying the germs that send them to the ER.
And among all these groups, the financial meltdown is the number one topic of conversation. People are freaked who have no need to freak. (For instance, the woman living in the $6 million house and driving the Escalade who moaned, "I lost a million dollars on Monday!" even though her husband still brings in an 8 figure income.)

Right behind the financial meltdown conversation, though, and underlying it, is a deeper fear. The fear that maybe this time the uncertainty won't go away. What if I lose my job? Can I get another one? How long can I survive? What do I do when my unemployment runs out? Can I get health insurance? What if I get sick without health insurance? What if I lose my house (which is already worth less than my mortgage)? What if I can't pay for my school, my kids' school? How do I pay for the gas to go to work? Or to look for a new job? How am I supposed to plan for the future? How I am supposed to plan for next month?
The fear washes from people in conversations, in e-mails, in casual comments from strangers standing in the checkout line.
And I've been surprised that it's been washing right past me.
I'm not meaning to be callous. Truly I'm not. And I don't mean for this to be any kind of a rant at all. Because I know all those fears. I know them very well. Because what everyone else seems to be going through is standard operating procedure for most of us in the entertainment industry.
Job security? Ha! We move from project to project, hired and fired at the whim of an employer who doesn't have to answer to anyone. Yes, we get paid well when we work, but it can be months (or years) between paychecks. Health insurance? Sure, when we have it, it's gold standard insurance just this side of the U.S. Senate's...
when we have it. Because those months or years without work mean lapses of insurance, too.
All the stop-gap measures people are talking about for the first time -- Maybe we should drive the car another year. Maybe we should have a "staycation" this year -- We've been doing them for years.
That's because those of us in the biz know something that so many others are just figuring out: A weekly/biweekly/monthly paycheck is an illusion.

There is no security in an employer, in a steady job. In fact, the very phenomenon of a weekly paycheck really dates back only 150 years or so in history, back to the Industrial Revolution. Before that (and for most of the world still today), the majority of people lived by the vicissitudes of nature or of the marketplace: If your crops failed, you could starve. If no one bought your goods, you had no income. You think you can plan for 10 years from now based on your paycheck? Well, good luck. But those of us in the biz already know how it feels when those plans become futile because things didn't work out the way you thought they would.
People who are used to a paycheck simply don't know what it means to live without one. I remember sitting in deacons' meetings discussing whether to help someone who was down on their luck, and hearing the folks with "normal" jobs descry the helpee's inability to set a budget, to keep up with their bills. "Don't you understand," I'd try to explain, "they don't
know how much money they have coming in next month?" But the paycheck-people never did understand. Instead they most often muttered something about how people should go get a "real" job.
Living without a safety net is status quo for most of the world. In the U.S., however, we seem to feel we are entitled otherwise. But working in the industry, I always know: Work is a blessing. Work is a gift from God. While I am fully qualified for every job I've gotten, I can't say I am entitled to them, can't say I necessarily deserve them over everyone else who may have wanted the gig more, may have needed it more. I know that I can do everything right, that I can indeed sometimes be
the perfect person for a job... and still not get it. I know it's possible to do everything right, and still suffer grievous losses. I know to "put not my trust in princes, in whom there is no help."
Who knows if the current financial meltdown is a temporary aberration or the beginning of the next Great Depression? I sure don't. But I know I've been through it before, over and over again. And maybe even some of those bad times were a blessing too, as I'm able to look at the news that's driving others panicky and to, well... shrug.
Welcome to my world.