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by Marc Jampole McDonald’s recently created a sample budget for its employees to help them do better financial planning. The budget is so absurd in its assumptions, and serves as such ready proof that Mickey D’s doesn’t pay its workers enough, that you would almost swear it was something Jonathan Swift might conjure. Other articles have pointed out the almost mocking lack of reality in a budget that starts off by depending on a second job that pays 85 percent of what you’re getting for flipping burgers for forty hours a week — that is, if you’re lucky enough to have a full-time job at Mickey D’s. What I find interesting is the degree to which the McDonald’s sample budget for employees reflects the ideology of consumerism. We start with the fact that the second most expensive line item is the car payment. McDonald’s is not talking about what one of its full-time employees might spend on operating the car each month — insurance, gas, maintenance. No, this line item of $150 is for paying the loan you took to buy your car. Not only does McDonald’s assumes that everyone has a car, but it also assumes that you borrow money to buy one, as opposed to running your car into the ground. These are two of the major tenets of American consumerism: 1) drive a car and 2) borrow to get what you want before you can afford it. The budget also offers the possibility that the monthly housing payment is a mortgage. Where outside of Detroit or another ruined city can you get a house with a $600 mortgage (which must also include real estate taxes)? McDonald’s knows that very few of its employees can afford a mortgage, but the possibility of being able to have a house sets a goal for the employee: home ownership, which is another tenet of American consumerism. The budget assumes that the employee will be completely middle class: have health insurance, cable TV service and a car. Of course the numbers are phony: What health insurance plan is a mere $20 a month? How many people pay nothing for heating? This low-balling of virtually every line item enables McDonald’s to give people the magnificent sum of $800 a month for the line item in bold: Monthly Spending Money. That’s $27 per day of disposable income, the lifeblood of consumer culture. Movies, clothes, vacations, gambling, jewelry, HBO, restaurants—all this is possible with $800 a month. Except for three problems:
- That $800 has to cover food.
- It also has to cover car maintenance and gasoline.
- It also has to cover the difference between the low-ball estimates of the other line items and what they will really cost.