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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 FabricN · The Enrollment Economy

N2N

Tailgate Scholars

Nine thousand beds, a hundred thousand seats, and a bed that costs half what the same bed costs in Massachusetts.

Reference marketFirst identified in Tuscaloosa, Alabama (ZIP area 35487).

Also found inState College, Pennsylvania; Columbus, Ohio; East Lansing, Michigan; College Station, Texas; Gainesville, Florida.

Thesis

The institution is the town, the stadium is the institution, and the bed is $10,866 because the legislature has to be able to defend the number.

The largest residential populations in America, priced like a state that intends people to attend.

Portrait

In their own words

  • Age20
  • Income$0
  • Net worth$0
  • EducationIn progress
  • HomeA double in a tower named after a donor
  • Ownership0%
  • HouseholdNine thousand two hundred and ninety-four beds, one of them his
  • VehicleA 2011 sedan parked eleven minutes away, by permit
  • Debt$27,000 and climbing, in his own name
Vice
Six home games
Most likely to
Explain that it is not really about the football, then check the depth chart
Signals
Student section wristband, a permit sticker, a dining plan with a swipe limit

Who they are

One resident, twenty, no income, $27,000 in loans already in his own name, and $10,866 a year for a bed and a meal plan in a tower named after somebody who gave the institution money. In-state, which is the whole financial architecture of his life and a sentence he has said many times. He works nine hours a week. The town has 1,339 residents in this ZIP code and the university has 39,000 students, so the arithmetic of who this place is for has already been settled. Six Saturdays a year the population of the county doubles and he can walk to all of it.

Our neighborhood

Ninety-three per cent of the people here sleep in a building the university owns, and the university owns most of what is not a building. Median age nineteen point six. Nobody is married. The stadium seats more people than live in the surrounding county, and on the days it is full the local economy performs a year's work in nine hours. Room and board sits in the bottom half of the country, which is the point of a state university and the reason nobody here regards $10,866 as expensive until they meet somebody paying twice that for the identical bed.

Shopping

The bookstore, which is a clothing store. A great deal of licensed apparel, most of it received as gifts, all of it worn. Groceries are a supplement to the meal plan rather than a replacement for it. The single largest discretionary purchase of the year is a ticket package, and it is not discussed as discretionary.

Spending

Room and board $10,866, tuition in-state, and $27,000 in federal loans he can describe to the dollar and has not yet converted into a monthly payment in his head. Works nine hours a week at the recreation centre. Spends about $140 a month, most of it on Thursdays.

Media

The depth chart. A message board he claims not to read. Three group chats, one of which is the floor and one of which is a fantasy league. He follows more people who cover the team than cover the state.

Interests

Six home games and the four days preceding each of them. Intramural flag football. A major chosen because the building was close. The road trip to the away game everyone agrees is the good one.

Where they live

Darker is more of them.

N2 · TAILGATE SCHOLARS

ZIP CODES

How thick on the ground

$72K

Median household income

0.99× the national median

$358K

Typical home value

1.34× the national median

5.0×

Home value against income

1.33× the national median

40%

Bachelor's degree or higher

1.72× the national median

54%

Owner-occupied

Share of occupied units

$1,576

Median gross rent

Monthly, contract plus utilities

2.35

Average household size

Persons per occupied unit

34.2

Median age

Years

How they compare

Against the average American household.

  • Median household income

    0.99×

    $72K here$72K everywhere else

  • Typical home value

    1.34×

    $358K here$267K everywhere else

  • Bachelor's degree or higher

    1.72×

    40.0% here23.3% everywhere else

  • Home value against household income

    1.33×

    5.00× here3.76× everywhere else

Who lives next door

Household types that turn up on the same blocks.

The receipts

No.SignalAgainst the countryReading
  1. 01Residents living in college housing97th8.2%
  2. 02Dormitory beds nearby97th6,135
  3. 03Enrolled in college92nd17.7%
  4. 04College enrolment per resident79th0.38
  5. 05Median age20th34.2 yrs
  6. 06Never-married adults83rd45.6%
  7. 07Walks or bikes to work78th6.9%
  8. 08People per square kilometre80th1,651 /sq mi
  9. 09Rural-urban continuum position26th0.17
  10. 10Annual room and board44th$11K

SourcesFigures from the U.S. Census Bureau, the Department of Agriculture and the Department of Education. Everything else is observation.