October 31st 2026 The Americans changing politics for the better J acob ramirez, a 31-year-old operations manager for a café chain, has long struggled to make ends meet. In college he used a credit card to buy textbooks; after graduating, he occasionally did so to pay rent and utility bills. By 2022 he, his wife and their dog were in a one-bedroom flat in Pomona, east of Los Angeles.
But rising rent and other expenses—“like an anaconda snake choking me out”—pushed him deeper into debt. In 2023, owing $28,000 on five cards, Mr Ramirez turned to a non-profit debt-counselling service. He is on track to pay his debts by 2028.
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