Hey {{ first_name | Neighbor }}. I was today years old when I found out that people have been using “NESCAC” as a modifier to describe ideas and products, like ethical non-monogamy and dirty chai lattes, that feel like they came out of the New England Small College Athletic Conference.
I can finally describe why I stopped buying CBD gummies. – AB
➺ When a Plan Comes Together: Here’s the thing about reading responses to our Financial Planning Survey so far: Y’all make me feel better about myself. Take it to get the results and feel better about yourself.
➺ On That Note: Shoutout to our sponsors at Domain Money for offering each Upper Middle reader a free 30-minute financial planning sesh. Wouldn’t kill ya….

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The “FINANCIAL PLANNING SURVEY” is an attempt to understand how members of the Oat Milk Elite engage (or don’t) in short- and long-term financial planning. Full results will be shared with Upper Middle Research members and those that complete the survey.



What we’re drinking about while talking.
STATUS ➽ Fargo Fuck Yourself
Why does Minnesota fight back?
Minnesota, which erupted in anti-ICE protests this weekend after the murder of Renee Good, is building a reputation for resistance seemingly at odds with its reputation for niceness. But the niceness and the belligerence both stem from a specific form of cross-class cohesion unique to the state1.
Minnesota doesn’t have a dominant industry, unique natural resources, or unusually lenient taxes. What it does have is the highest number of Fortune 500 headquarters per capita in the United States. Economists suggest the reason for this is that the Twin Cities boast a deep, stable pool of professional managers whose skills transfer across industries. These intensely employable khaki-enthusiast are renowned for being easy to employ, but most are also part of a muscular political coalition built to push back.
Unlike blue states shaped by machine politics like New York or Illinois, Minnesota is a blue state rooted in labor politics: until the Farmer–Labor Party merged with the Democrats in the 1940s, it regularly outperformed them statewide. The difference is material: where machines trade favors downward, labor parties mobilize upward. That civic infrastructure, which produces strong unions (including managerial unions) and dense nonprofit networks, also yields a culture of collective action. Protests in Minnesota are, like the niceness, an expression of deeply felt solidarity.
TASTE ➽ Canvassing
Why are TVs doing drag?
At CES this week, Amazon unveiled the Ember Artline, a TV designed to go head-to-head with the ubiquitous Samsung Frame, which looks like decor and displays art when turned off. The reason for this is simple: Millennials are less willing to pay for tech specs than taste. The cost of TVs, crazy low these days, reflects the fact that few in the core consumer demo can (or want to) differentiate between OLED and QLED. At the same time, art market participation is way up for people in their 30s and 40s, who show a disproportionate willingness to spend on objects that feel personal, expressive, and non-commodified. What Artline and Frame are designed to do is juice demand by turning a commodified market into a means of self-expression. Like the Frame, the Artline comes with access to a library of thousands of paintings – mostly the kind of impressionism that holds the room together. This leave the door open for differentiation. Imagine if LG debuted the Perv 3000, a model pre-stocked with Eric Fischl, Egon Schiele, and John Currin erotica. That shit would move units.
MONEY ➽ Starter Houses
Why do housing booms have a half-life?
A new study from Britain’s Institute for Fiscal Studies demonstrates that the professional success of millennials is strongly correlated with whether or not their parents benefited from the late-1990s real estate boom. Between 1995 and 2010, UK house prices rose from 4× to 8x annual earnings, driving a massive increase in home equity. Here’s the wild stat: For every £100,000 of home equity accrued by parents during that period, the children of those parents were roughly £15,000 better off. There were lots of factors, of course, but the principle one seems to be that parents with home equity gains encouraged their children to move to opportunity-rich, high-density areas (read: London).
This would be just more evidence that Britain is a failing state if it weren’t for the fact that U.S., suburban home prices rose from about 3.5× to 5x household income between the early 1990s and 2006. That’s a more modest spike, but a spike nonetheless – enough to explain both why Girls was popular and why the dumbest kid in your A.P. Algebra class wound up doing okay for himself.
➽ Also… Why the techies (and Trump) hate Europe. ➺ If you fear layoffs, you probably have good parents. ➺ Julian B. drops a banger. ➺ Seriously, just do a bit of planning.



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People who produce complexity consume simplicity.
The success of Marty Supreme, a film about a monomaniacal ping-pong hustler set largely in New York’s Jewish demimonde circa 1952, might seem implausible, but the box office receipts (+/-$80M so far) and critical reception (Timmy won a Globe) are not without a peculiar precedent. In 1976, the socialist academic Irving Howe watched as his World of Our Fathers, a 700-page social history of Yiddish-speaking immigrants, rocketed to number one on The New York Times nonfiction bestseller list. Along with Roots, which dropped the same year, World satisfied suburbanites’ sudden appetite for rearview mirrors amid America’s so-called “ethnic revival.”
Like Marty Supreme director Josh Safdie, an indie filmmaker famous for sweating out his audience, Howe was an unlikely hitmaker. The Bronx-born son of Yiddish-speaking immigrants, Howe was skeptical of doctrinal thinking and ambivalent about the project of Jewish assimilation2 despite writing the book every doctor in Westchester got for Hanukah. His worldview would later be (unintentionally) summarized by The West Wing’s Toby Ziegler: “Jews in the Bronx have a word for Jews from Westport. They call them Episcopalians.” Howe wasn’t interested in the circumsized and circumspect; he wrote about the loudmouth Russian Jews of the LES with the same profound affection Safdie brings to bear when re-animating them.
“To live among them was to live amid disputation, a ceaseless wrangle of ideas, gestures, reproaches, and hopes. Moral judgment was quick, often harsh, and rarely withheld. They were capable of remarkable generosity, but also of relentless criticism, both of themselves and of others.”
Howe acknowledged that his ancestors were, in short, a lot. But, like Safdie, he understood a simple truth: There’s a difference between being too much and being too much for people who can handle very little.
The culture Howe documented, and that Safdie stages so unapologetically, is not intrinsically excessive; it’s excessive relative to the narrow tolerances of WASP respectability. Russian Jewish life in Marty Supreme reads as loud, combative, and chaotic because it is organized around relationships and community rather than rules and institutions. Because moral judgment is personal, not delegated, people fight constantly. The rawness and intensity of those conflicts make suburban audiences cringe while also reminding millions of assimilated ethnics where they came from in America.

Irv
“Cultures are slow to die,” wrote Howe. “When they do, they bequeath large deposits of custom and value to their successors; and sometimes they survive long after their more self-conscious members suppose them to have vanished.”
Of course, he was right—and not just about the flash tempers of Jewish American Princesses. Almost every ethnic group in America has its own special slurs for the under- and over-assimilated. For the Irish, it’s “shanty” and “lace-curtain” (think Mark Wahlberg calling Leo a “lace-curtain Irish motherfucker” in The Depahted). For Koreans it’s “FOB” and “banana.” For Indians it’s “FOB” and “ABCD” (American-Born Confused Desi). For Italians it’s “guido” and… “libtard?” The former insult means “too much.” The latter insult means “too little.” They describe different calibrations of that immigrant tendency to, as Howe put it, “live amid disputation, a ceaseless wrangle of ideas, gestures, reproaches, and hopes.”
This is the stuff that generally gets lost when Americans discuss their backgrounds. Americans claim Irish heritage, but very few modify that claim with “shanty” or “lace-curtain” when they do. Because the average American Jew is middle-class and institutionalized, those who claim Jewish heritage are mostly assumed to be the Reform or lace-curtain variety, even though many of us are not. Metadata goes missing from conversations about ethnicity because people are slow to acknowledge that they don’t just come from the old country, but from old places in the new country3. I’m Irish and Jewish, yes – but actually I’m lace-curtain Irish and shanty Jewish (“Greenhorn” is the term of art). It’s a more specific mix, and understanding that mix matters because it’s predictive of my relationship with institutions (uneasy at best).
Daniel Bell helps explain why this dynamic doesn’t disappear once assimilation succeeds. Bell’s central insight was that economic integration and cultural adaptation do not proceed at the same pace. Groups can master institutions – schools, professions, bureaucracies – while retaining older habits of judgment, intensity, and skepticism that no longer fit the environments they now occupy. What once functioned as a survival strategy under strain becomes, after success, a source of discomfort or embarrassment. Bell called this a cultural contradiction: Institutions require procedural restraint and emotional moderation, while the cultures that produce their most effective supporters often prized the sort of argumentation, moral seriousness, and independence Howe admired.
What sociologists later called strain theory helps explain this dynamic from another angle. Developed by Robert Merton, the theory holds that people are socialized into pursuing goals faster than they gain legitimate access to the means of achieving them, incentivizing those shut out of institutional pathways to improvise. In essence, Marty Supreme is about this kind of improvisation – the desire to achieve “legitimate” success (“I’ll be on the cover of a Wheaties box”) by illegitimate means. The movie resonates precisely because that kind of behavior doesn’t stop just because a family moves to Croton-on-Hudson.
A lot of professionals have a bit of Marty Mauser in them. Strain theory suggests it’s basically a recessive disposition – distrustful of procedure, alert to opportunity – activated whenever institutions feel slow, hostile, or insufficient. This is why Marty Supreme can be, at once, a cringe-fest about a morally incontinent loser and a celebration of all-American DIY determination. The majority of Americans who aren’t Anglo-Saxon purebloods tend to have at least a little bit of that dawg in them.

Howe’s whole schtick was petting that dawg. He refused to sentimentalize the way things were – poverty sucks, for those keeping track – but he also refused to equate economic and moral progress. Josh Safdie is the same sort of refusenik. That doesn’t just explain the yelling and overtalk. It explains the casting.
Safdie, who came up hustling and broke out (along with his brother) with Good Time and Uncut Gems, is distinctly ambivalent about institutional casting. His films are populated by non-actors, semi-actors, athletes, writers, and people playing versions of themselves. The emphasis is less on performance than essence, which is why Marty Supreme features Shark Tank’s Kevin O’Leary as a villain, the travel writer Pico Iyer as an irked sophisticate, and Gwyneth Paltrow as an aging movie star. Kevin O’Leary is a villain. Pico Iyer is an irked sophisticate. Gwyneth Paltrow (also Jewish, albeit passing) is an aging movie star. And, not for nothing, Chalamet is a half-Jew leveraging his background to pursue fame and fortune.
Unlike many other filmmakers, Safdie isn’t just interested in representation. He’s interested in shanty representation and “dawg” representation. Paradoxically, the lack of Westport Jews in his movie makes it more specifically New York, Russian, Lower East Side, Ashkenazi Jewish and more legible to members of other cultures playing the assimilation game. They may not sympathize with Marty, but they recognize that they possess and suppress some of the traits that make him unbearable.
Marty approaches institutions – Rockwell Ink, the table-tennis establishment – sideways. Most modern Mausers go through the front door. But if they get locked out, they try the side. They might not punch through a screen, but they’ll sure-as-shit rattle it.

Josh
In World of Our Fathers, Howe quotes freely from The Bintel Brief, an advice column that ran in the Forward, a mid-century Jewish rag (that somehow still exists), and served as an ersatz confessional for assimilating Jews incapable of making a smooth transition. Readers asked whether “Americanized” immigrants could marry greenhorns, whether Jewish law-enforcement officers had to report unintended violations by new immigrants, and whether atheists could still participate in synagogue life. What stands out is that the folks asking questions are less confused about how to be lace-curtain than they are about how to remain a little bit shanty.
For the children of lawyers whose parents started businesses to get them out of the tenements where their grandparents shouted about the Talmud, being a bit shanty might seem like an odd aspiration. It isn’t. As various doors get shut on professionals by institutions, we may all need to be a little bit more Marty.
For the past few months, Timmy was full Marty in interviews, praising the quality of his own performances and hyping the color orange. Then, on Sunday, he delivered a subdued acceptance speech on the subject of gratefulness. He got some criticism for throwing on the brakes so quick, but the move made sense to every nonagenarian with a dawg-eared copy of World of Our Fathers. Timmy was performing respectability for the Newport Jews up front. He was being too little after being too much. He was calibrating. As are we all..


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SERVE YOURSELF FROM AN A-CUP
Small Breast Selection Theory proposes that semi-elitess signal their status by framing there consumer choices as personal preferences rather than as desires, which suggest need rather than discernment. More specifically, SBST suggests that preferences are cultivated for activities, goods, and even traits that demonstrate restraint and independence from mass influence. This is why members of the upper middle class often purport to prefer bitter drinks, wooden toys, and difficult books. These preference are real, but also cultivated. SBST4 proposes that these preferences are considered acceptable to cultivate because they meet three of the six SBST conditions:
Indicate a diminished need for attachment
(Example: Meditation > Church; Eurotrip > Family reunion)
Be counterintuitive / counter-counterintuitive
(Example: Natural wine>Cabernet; R.E.M.>Vampire Weekend)
Confuse Germans and teenagers
(Example: Dry January>Oktoberfest; R.E.M.>Staying Out Late)
Suggest an ability to resist distraction
(Example: Listening at 1.5× Speed>Listening at 1.5x Volume; Nonfiction>Gossip)Appeal to gay men
(Example: The Importance of Being Earnest>Earnest Goes to Camp; Barcelona>Paris)
Pay off over time
(Example: Index Funds>Daytrading; Barry’s Boot Camp> Earnest Goes to Camp)



[1] I don’t know Minneapolis well, but I know some people from Minneapolis well and they all scare the shit out of me, TBH..
[2] It’s probably fair to say that a lot of Jewish people are a bit ambivalent, but reluctant to say so. The reason for this is that the non-Jews who are ambivalent tend to be, you know… Nazis.
[3] Weirdly, acknowledging this seems to be harder. Also, it takes away the joy of exoticizing yourself.
[4] Sorry sweatheart.
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