MH-R-001 · Omaha, Nebraska
The National Fabric
79 MoneyPersonas scored against 33,791 ZIP code tabulation areas, over 9 MoneyClimates that describe the ground underneath them. Click a ZIP, or open a MoneyPersona.
Exhibit A · The National Fabric
FIND YOUR ZIP CODE
79 household types across 33,791 ZIP codes. Most places have several. Yours is not the exception.
ZIP CODES
33,791
Enter one to land on it
MoneyClimate
Click a ZIP to see who lives there. Blank areas have almost nobody in them.
AAffluent Delusions
A1Quarter-Zip CrusadersRegional VPs who confuse a Patagonia vest with a personality and LinkedIn with scripture.
A2Peloton & PinotDual-income wellness couples optimizing their resting heart rate while their savings rate flatlines.
A3Recently LiquidStartup exit hit. Personality did not survive the wire transfer.
A4RSU RaptureTech employees whose net worth is a leveraged bet on one ticker they refuse to sell.
A5Divorce-Adjacent PorscheMen, 50s, sensing the window closing, financing a 911 against a 401(k) loan.
BSuburban Sedation
B1Xanax & Cul-de-SacThe wine mom upgraded to pharmaceuticals and a Stanley cup the size of a fire extinguisher.
B2MegaChurch Industrial ComplexWorship in a converted Walmart with a fog machine, coffee bar, and merch table.
B3HOA Karen CommandRetired or remote, armed with a tape measure and bylaws, patrolling mulch.
B4Travel-Ball IndenturedHousehold income funneled into a 9-year-old's elite sports career that ends at JV.
B5Costco DoomsteadersPrepper-lite. A few months of freeze-dried lasagna and a generator.
CRural Combustibles
C1Ciggies & Side-by-SidesDip in the lip, Polaris in the yard, a koozie for every occasion.
C2Rolling Coal Diesel PatriotsThe truck is the platform, personality, and political affiliation.
C3Meth-Adjacent AcreageThree generations, two functioning vehicles, one tarp roof, and a good year coming.
C4Dollar General DynastyThe nearest grocery is 40 minutes; the DG is town square, pharmacy, and social club.
C5Off-Grid & Extremely OnlineLeft society, kept the Starlink. Sells freedom courses to fund the homestead.
DUrban Feral
D1Gig-Economy GremlinsFive apps, zero benefits, an e-bike, and a 38% APR phone.
D2Natural Wine AnarchistsAnti-capitalist, accepts Venmo. Hates landlords, has one, is becoming one.
D3Buy-Now-Pay-Later BaddiesThe fit is immaculate, the credit score is a rumor.
D4Vape Cloud CollectiveA studio apartment, gaming PC, and blue-razz fog visible from space.
ETerminally Online
E1Basement Bull Market34, lives with mom, is up big on a portfolio he will not show you.
E2Twitch & TendiesStreams nine hours a day to 12 viewers and calls it content.
E3Rationalist Doom PolyculeSix brilliant people in an SF row house solving alignment and avoiding rent control.
E4Creator-Economy HustleSells a course on how to sell courses. The pyramid is the product.
FFaith, Wellness & Other MLMs
F1Essential Oil CartelShe's not a doctor but lavender supports things. Your wellness is her revenue.
F2Manifestation & Mortgage StressThe universe will provide; the mortgage company has a different timeline.
F3CrossFit TheocracyThe box is the church, the WOD is liturgy, chalk is incense.
F4Sober-Curious Adaptogen SetQuit drinking, replaced it with a $16 mushroom seltzer and sound bath.
GThe Predatory Economy
G1Title-Loan TreadmillBorrowed against the car to fix the car to keep the job to pay the loan.
G2Scratch-Off SustenanceThe lottery is a regressive tax and the only retirement plan on offer.
G3Casino-Carpet VeteransFixed income, free buffet, $200 in the Lucky Buffalo machine by Tuesday.
G4ER-as-Primary-CareUninsured, so the $4,000 emergency visit is the annual physical.
HThe 1% Petting Zoo
H1Generational-Wealth FailsonsTrust funds the lifestyle; the consulting LLC funds the ego.
H2Family Office & FerrariDoesn't check prices. Has a guy. The guy has a guy.
H3Philanthropy-Industrial Gala SetGives away 2%, deducts 100%, gets a wing named after them.
H4Boat-Poor Wealth CosplayersLooks like HH2, financed like DD1. The yacht is leveraged; the marina knows.
IMobility Failure Modes
I1Clapped-Out Altima BattalionPaper plates, bumper damage, and a confidence level the chassis cannot support.
I2Couch Rental NomadsEverything is leased: couch, mattress, TV, air fryer, self-respect.
I3Gutterpunk Seasonal MigrationThe train-hopping crust economy: dogs, denim, patches, and a cash-only moral universe.
I4Delaware Sadburbs ExilesMillennials who wanted Brooklyn, bought in Middletown, and call it 'quiet now that we're older.'
I5Frat Patio LLCFormer finance bros preserving college through a rental house with string lights and litigation risk.
I6Airport Margaritaville Divorce LayoverBusiness travelers with a custody calendar and Priority Pass as emotional support.
I7Sad Suburb Cybertruck PreppersTech-adjacent dads in exurbs who bought a Cybertruck as a political mood ring.
I8Couch-Surfing Creative DirectorsUnderemployed design people with impeccable taste and no lease in their name.
I9Parking-Lot Casino Alt-RetireesSemi-retired men whose social club is the gas station and whose 401(k) is a cigar box.
I10Crypto Sportsbook SophomoresCollege-adjacent men who discovered leverage before compound interest.
I11Microbrew Dads in Cargo ShortsMiddle-aged men triangulating masculinity through IPAs, pellet grills, and lawn stripes.
I12Premium Economy NomadsRemote workers with no roots, a Samsonite, and a spreadsheet of tax residencies they misunderstand.
JCredentialed Drift
J1Credentialed DriftTwo master's degrees, one nonprofit salary, and a sense the meritocracy skipped their mailbox.
J2Public-Service MartyrsTeachers, social workers, librarians: socially essential, financially punished.
J3Overqualified Sadburban ReturneesMoved back near parents after the cool city got impossible, now pretending it was a choice.
J4Adjunct OuroborosA PhD teaching five classes at three campuses while students ask if office hours are mandatory.
J5Geoarbitrage GentryHigh earners living below their income in low-status metros, quietly buying the index.
KEngineered Decline
K1SRO & SyringesThe intersection where housing policy, the Sackler dividend, and the carceral system share one ZIP code.
K2Target Shoplifter EconomyWhere frozen wages, self-checkout, and loss-prevention theater breed a gray-market resale economy.
K3Eviction-Mill RentersTenants churned through housing court by landlords who treat the filing fee as a line item.
K4Fentanyl BeltDeindustrialized towns where the plant left, the pills arrived, and the fentanyl finished the invoice.
K5For-Profit College Debt PeonsSold a degree by a marketing operation, billed like Harvard, employable like a dropout.
K6Subprime Auto Repo CarouselBuy-here-pay-here lots where a $3,000 car costs $11,000 and a kill-switch enforces the terms.
LResidual Variance
L1Second-Shift BoroughsThe people who actually open the city every morning, priced into the last dense neighborhood that still rents.
L2Statistically UnremarkableWithin four points of the national median on every axis the survey measures, and therefore invisible to everyone selling anything.
L3Paycheck FridaysSolvent on Friday, arithmetic by Tuesday, and running a household of four on a wage indexed to 1998.
L4Flyover TerritoryFour people per square kilometre, eighty-two per cent ownership, and a contrail belonging to someone who has an opinion about them.
L5Rust & ReclinerA paid-off house in a town whose largest employer is now the hospital that treats the people the last employer injured.
MRevealed Preferences
M1Ski-Town FeudalistsOwns four bedrooms at 8,000 feet in a town where the ski patrol sleeps in a van.
M2Equity BoomersBought it for $92,000 in 1977. Calls the appreciation luck. Defends it as policy.
M3Empty-Nest EstatesSix bedrooms, two occupants, four vehicles, and a plan to downsize starting soon.
M4Medicare MogulsOn a fixed income, in the sense that the dividend arrives on a schedule.
M5McMansion MartyrsTop-decile earners who converted the entire raise into square footage and now describe themselves, without irony, as house-poor at $268,000.
M6Office CowboysMetropolitan households operating three-quarter-ton agricultural equipment against a services salary and a fourteen-minute commute.
M7Four-Car CouplesTwo adults, four registered vehicles, and a metropolitan area that has made the first two mandatory and the last two a personality.
M8HomeGoods Wine MomsThe one affluent household where the house does not eat the raise, and the difference is spent within four miles of the driveway.
M9Cargo-Bike CapitalistsA $2.1 million townhouse, a $9,000 electric cargo bike, and a structurally sophisticated critique of the system that produced both.
M10Substack SocialistsTwo graduate degrees, 1,900 free subscribers, and a landlord who inherited the building.
M11Remote-Work InvadersA San Francisco salary, a Montana address, and a firm view on who ruined the valley.
M12Trust-Fund TenantsA $4,400 two-bedroom, a $74,000 salary, and no observable stress about either.
M13Leafy, Liberal & LoadedA $2.2 million colonial, a yard sign about housing, and a zoning board that has not approved an apartment since 1987.
NThe Enrollment Economy
N1Meal-Plan AristocratsA bed and a dining hall for $20,786 a year, before anybody has mentioned tuition.
N2Tailgate ScholarsNine thousand beds, a hundred thousand seats, and a bed that costs half what the same bed costs in Massachusetts.
N3Directional State RealistsThe identical bed, the identical meal plan, $7,260, and a degree that has to actually work.
Geography is American Community Survey 5-year 2023 on matched ZCTAs. Persona economics are modeled by The MoneyHole Newsroom.