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Monday, August 24, 2026Vol. II · No. 24 · Omaha, Nebraska
MoneyHole

Shoveling You Deeper Into Financial Wisdom

Omaha, Nebraska

MARKETS
HOPE-4.2%RENT+11.8%WAGEunch.VIBES+212.5%DOOM+3.7%ROCK+9.1%BEANS-0.03%EGGS+14.6%DEBT+6.9% · recordDGNTY-18.0%SLEEP-2.4%PTO-100.0% · expiredRSUHALTED · pending vestPLSMA+2.2% · twice weeklyPNTS+1,400 ptsLATTE$7.25HSTL+45.0%STRTRno bidTMSHRlimit downIRA-0.9%SSA255$255 · unch. since 1954BOOMR+52.0%GENZdelistedCOPE+18.4%LUCKunch.FICO-41 ptsEQTY+0.0% · theoreticalDDCTBL+$3,400TIPS+22.0% · prompted at kioskTIME-24 hrsMOMLNrestructuredBRNCH$61.00LOYAL-0.4%PENSNno longer quotedSILVR+1.1% · still not gold

The National FabricI · Mobility Failure Modes

I11I

Microbrew Dads in Cargo Shorts

Middle-aged men triangulating masculinity through IPAs, pellet grills, and lawn stripes.

Reference marketFirst identified in West St. Paul, Minnesota (ZIP area 55118).

Also found inFranklin, Wisconsin; Noblesville, Indiana; Stow, Ohio; Clive, Iowa.

A gentle decline with excellent yard maintenance.

Portrait

In their own words

  • Age47
  • Income$118K
  • Net worth$260K
  • Education42%
  • Home$380K
  • Ownership84%
  • HouseholdMarried, 2 kids, basement fridge
  • VehicleF-150 or Odyssey depending on weekend
  • DebtMortgage, but manageable
Vice
Double IPAs and Traeger pellets
Most likely to
Describe beer as 'crushable' in 2026
Signals
Breweries, Home Depot, fantasy football

Who they are

Middle-aged men triangulating a fading masculinity through hazy IPAs, a Traeger, and lawn stripes visible from orbit. Median age 47, $118K, mortgage manageable, basement fridge stocked exclusively with cans he describes as 'crushable' in the year 2026. The brewery is the third place; the Home Depot is the cathedral; fantasy football is the only league he still starts in. He owns a kayak used twice, a smoker used weekly, and an F-150 that hauls nothing heavier than a cooler. He isn't unhappy, exactly. He's just slowly becoming his own dad, one double IPA and one 'we should hang more' text at a time.

Our neighborhood

A solidly mid suburban subdivision with two-car garages, basketball hoops nobody adjusted, and lawns mowed in competitive diagonals. Cul-de-sac cookouts, a neighborhood brewery ten minutes out, and a Home Depot that doubles as weekend church. Property values are fine, the schools are 'good enough,' and every garage hides a second fridge.

Shopping

The basement fridge contains only cans he describes as crushable, in the year 2026. He owns a Traeger used weekly, a kayak used twice, and an F-150 that has never hauled anything heavier than a cooler. Home Depot is the cathedral and Saturday service runs eight to eleven.

Spending

Income $118K, mortgage manageable, and the discretionary budget routes to pellets, brewery growlers, and a mower with a striping kit. The lawn gets cut in competitive diagonals visible from orbit. Nothing here is a crisis, which is precisely what makes it a household.

Media

A fantasy football podcast, a grilling YouTube channel, and a local brewery's Instagram he engages with more often than his college friends. Sports radio in the truck, every commute. Every article he forwards arrives with the single word interesting.

Interests

Fantasy football, the only league he still starts in, plus cul-de-sac cookouts and an eleven-minute conversation about the smoker. He isn't unhappy, exactly. He's becoming his own dad, one double IPA and one we-should-hang-more text at a time.

Where they live

Darker is more of them.

I11 · MICROBREW DADS IN CARGO SHORTS

ZIP CODES

How thick on the ground

$101K

Median household income

1.40× the national median

$538K

Typical home value

2.02× the national median

5.1×

Home value against income

1.36× the national median

46%

Bachelor's degree or higher

1.99× the national median

69%

Owner-occupied

Share of occupied units

$1,949

Median gross rent

Monthly, contract plus utilities

2.49

Average household size

Persons per occupied unit

40.2

Median age

Years

How they compare

Against the average American household.

  • Median household income

    1.40×

    $101K here$72K everywhere else

  • Typical home value

    2.02×

    $538K here$266K everywhere else

  • Bachelor's degree or higher

    1.99×

    46.2% here23.2% everywhere else

  • Home value against household income

    1.36×

    5.10× here3.75× everywhere else

Who lives next door

Household types that turn up on the same blocks.

The receipts

No.SignalAgainst the countryReading
  1. 01Owner-occupied28th68.8%
  2. 02Single-family detached27th63.4%
  3. 03Bachelor's degree or higher83rd46.2%
  4. 04People per square kilometre82nd808 /sq mi
  5. 05Residents 25 to 3469th13.6%
  6. 06Renter-occupied72nd31.2%
  7. 07Commutes by transit73rd0.9%
  8. 08Median age39th40.2 yrs
  9. 09Never-married adults58th29.6%
  10. 10Households with children58th29.6%

SourcesFigures from the U.S. Census Bureau. Everything else is observation.