Cedric entered the Dunkin Doughnuts on Roosevelt and purchased his usual chocolate-glazed with a fresh cup of black coffee as he always did. He took a seat near the window and flipped out his smartphone to observe his bank balance: four-hundred and twenty-six dollars. Just a few hours ago, in a cafeteria with a bunch of his co-workers at The Chic, he made plans to make the most of his weekend off: He would go to the club, get drunk and possibly invest in a hotel room in hopes of catching a late night fling.

A singular notification buzzed from Cedric’s smartphone. It was a text message from his mother Sarah: Pay the phone bill. He had promised to pay half of the bill every month as well as help out with the expenses while he lived at the house. Cedric ran an app for his bank on his smartphone and submitted his payment for $150.00 dollars with a sigh of disappointment.