CLUTTERED LIVES, EMPTY SOULS, Compulsive Stealing, Spending & Hoarding
By Terrence Daryl Shulman

A glance at the headline news on any given day reveals countless stories, low- and high- profile, on these topics:

Shoplifting: The recession has brought a wave of "retail fraud" (as it's often called)— some of it petty and more of it perpetrated by "professional shoplifters" or rings—(ORT or ORC: organized retail theft or retail crime). Then there's Lindsay Lohan—the Winona 
Ryder of her day—and the countless other stars, athletes, politicians, and dignitaries  who've been arrested for pilfering (Farrah Fawcett, Bess Myerson, Rex Reed, Jennifer  Capriati, Reds' pitcher Mike Leake, Caroline Guiliani, Canadian MP Sven Robinson,  former Bush aide Claude Allen, and the list goes on). CBC and CNBC recently aired The  Truth about Shoplifting.

Employee Theft/Credit Card Fraud/Identity Theft: The recession, technology, the Internet,  and greed led the FBI to call these three of "the fastest growing crimes in America."  What's the difference between the employee who loafs on the job ("time theft") and the  CEOs of investment firms and mortgage lenders that nearly brought down the U.S. and  world economy? The employee's more likely to get caught, confronted and fired; the  CEOs rarely get caught or confronted and, if they do, they get rewarded. Houston, we have a problem. TV shows such as American Greed: Scams, Schemes and Broken Dreams highlight various growing theft and fraud trends. Shame is getting hard to come  by!

Overshopping/Overspending: As our government argues over how to make the smallest dent in our $14 Trillion deficit and whether to "raise the debt limit," millions of  Americans—and others around the world—suffer financial distress, random as well as  self-inflicted from under-saving, overspending, and falling victim to a bad case of  "affluenza." Keeping up with the Joneses was never more epic; the new Joneses are the  "stars" in the media. But even they fall prey to our culture of excess: Victoria Beckham,  Nicolas Cage, Jennifer Hudson, Michael Jackson, Sarah Jessica Parker (who knew Carrie  Bradshaw was no acting stretch?), and Newt Gingrich show that men and women alike  get hooked. TV shows like Big Spender, Suze Orman, Dave Ramsey, and Oprah's Debt  Diet have been bellwethers of these crises.

Hoarding: When everyone and his brother bought a home before the housing bubble  burst, we had to fill those homes up, didn't we? And if there wasn't enough room in your  McMansion, have we got a storage unit for you! Or two, or three or four! The recent  popularity of such shows as Hoarders, Hoarding: Buried Alive, and Enough Already! all  prove clutter is king—at least in ratings-land. And for every "packrat" still hidden behind  closed doors, more public faces of this disorder are "coming out," including Micahaele  Salahi, Heidi Montag and Spencer Pratt, Lisa Kudrow, Mariah Carey, Kevin Federline,  Celine Dion, Marie Osmond and Paris Hilton—17 dogs counts as animal hoarding!

Rule Breaking and Risk Taking: Aside from the countless short-cuts and loopholes most  of us take from time-to-time, our leaders, role models, and stars can't seem to play by the rules either. Recently, we saw Arnold Schwarzenegger, Lance Armstrong, and Charlie  Sheen stoop to new lows—not winning, but losing—public respect and support. When  did lying, hubris, and narcissism become the norm? Shows such as The Real Hustle and The Takedown are merely more direct examples of rule breaking and risk taking than we  see from "the good guys" in 24 or any other hero/rescue drama.

What do stealing, spending and hoarding have in common?

Over the last decade, I've counseled nearly 500 clients with various combinations of  these disorders. I wrote this book, in part, to better understand and explain the underlying  similarities and commonalities between them. All addictions share similar features and  consequences but a few things stand out when working with compulsive stealing,  spending and hoarding. On first look, all three disorders appear to focus and depend on  the acquisition of things. There also seems to be a focus on money—either saving money  or having more money through stealing; spending money or even getting a bargain; or  hoarding money or avoiding losing money by getting rid of things perceived as valuable.  People can steal, buy, or hoard money or objects from stores, work, or others. There also  seems to be a preoccupation with time—and time is money: saving time by stealing,  saving time by buying, saving time by hoarding and not discarding. The irony, of course,  is that people who compulsively steal, spend or hoard spend an inordinate amount of time  not only engaged in these activities but in thinking about doing them as well as stopping  them.

There appears to be extreme boundary issues for people who compulsively steal, spend or  hoard. And while all addictions adversely affect others besides the addict, many  addictions (such as overeating, drugging, and drinking) are, in one sense, primarily self- destructive. Stealing requires a victim, a violation of the law, ethics, and actual  boundaries. Spending—especially compulsive spending—often requires a victim, too:  debts that often can't be repaid (though it may be hard for some to see credit card  companies as victims); but also "financial infidelity"—the violation of budgetary agreements with a spouse, family member, friend, or business partner. The compulsive  overspender, like the compulsive overeater, can't adhere to the bounds of the bank account (the body) and takes on debt as if calories or pounds. In addition, it's common  that persons who overspend and are in debt resort to stealing out of desperation.  Compulsive hoarders—especially when they don't live alone—crowd out the legitimate  living spaces of others, violating their physical and emotional boundaries. Hoarders, too,  may overspend, steal, hide, and lie. They may also put others who live with them at risk  for disease, accident, fire hazard, or eviction.

These violations of the boundaries of others are anathema to their common traits of codependency and excessive empathy which belie their narcissistic tendencies stemming  from beliefs they're inadequate and unlovable. Those who compulsively steal spend, or  hoard do so for themselves but, often steal, spend or hoard for the benefit of others as  well: thus, stolen, bought, or hoarded gifts. It's also typical these persons have  experienced being victimized in their lives and felt deprived materially and/or  emotionally. Thus, they become obsessed with making things right, evening the score, and  feel both entitled to their excesses and out of touch with the outrage and negativity their  behaviors evoke in others. People who steal, overspend, and hoard are no strangers to legal issues, including criminal or incarceration, financial or bankruptcy, employment or  loss of job, divorce or child custody, eviction or foreclosure, or other liability.

Another common feature is a persistent thinking, feeling and attitude of lack, emptiness,  scarcity, and inadequacy which they attempt to correct through accumulation of money  and/or things. Anxiety is a common feeling for these folks. In short, they tend to feel "I'm not enough… unless I have enough." But, for them, it's never enough. The source of  these thoughts, feelings and attitudes may be partly attributed to brain chemistry (nature)  but it's safe to say a fair amount of nurture (familial, cultural, and societal) is at play; they seem to be particularly susceptible to attaching their inherent value to money and/or things.

It bears repeating individual stealing, spending and hoarding mirrors these trends in  society; it's chicken-and-egg.

So, we can look at these similarities and commonalities in this chart form—there may be 
others we haven't yet listed:

STEALING	SPENDING	HOARDING
Thing-oriented  Money-oriented  Time-oriented    Boundary issues Narcissistic   Shame/Secrecy   Anxiety   I’m not enough   Legal Troubles  Society prompts  Bottomless pit	Thing-oriented  Money-oriented  Time-oriented    Boundary issues Narcissistic   Shame/Secrecy   Anxiety   I’m not enough   Legal Troubles  Society prompts  Bottomless pit	Thing-oriented  Money-oriented  Time-oriented    Boundary issues Narcissistic   Shame/Secrecy   Anxiety   I’m not enough   Legal Troubles  Society prompts  Bottomless pit

Note: I'll publish a workbook companion to this book soon.

Formulated by Terrence Daryl Shulman, JD, LMSW, ACSW, CAAC, CPC Founder/Director, The Shulman Center for Theft Addictions & Disorders

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SHOPLIFTING

• Over 10% (30 million) Americans shoplift.
  —2011, The Shulman Center estimate
• Most shoplifters arrested of prosecuted will steal again.
  —2011, The Shulman Center estimate
• There are nearly 300 million shoplifting incidents per year.
  —2010, Jack Hayes International survey
• Shoplifting accounts for 30-40% of retailer's lost profits.
  —2010, Jack Hayes & University of Florida
• In 2009, Retailers lost an estimated $13 billion to shoplifting.
  —2010, Jack Hayes survey

EMPLOYEE THEFT

• 75% of employees steal from work and most do so repeatedly.
  —U.S. Chamber of Commerce
• 30% of corporate bankruptcies result for employee theft.
  —U.S. Chamber of Commerce
• The FBI calls employee theft one of the fastest growing crimes in America.
  —F.B.I.
• U.S. businesses lose $1 Trillion/year to fraud.
  —2008, Association of Certified Fraud Examiners
• Employee theft has risen 50% since the start of the recent recession.
  —2010, Fox News Chicago
• Time theft (loafing) costs U.S. companies $500 Billion/year in lost productivity. 
  —2005, Denver Post

COMPULSIVE BUYING/SHOPPING/SPENDING

• 6% (17 million) Americans are compulsive buyers.
  —2006, Stanford University landmark study
• Men and women compulsively buy about equally.
  —2006, Stanford study
• 8.9% (25 million) Americans are compulsive buyers.
  —2008 Journal of Consumer Research & U-Richmond
• Arguments over money are the #1 reason for couples' conflict and break-ups. 
  —2008, Psychology Today
• The average credit card debt per adult American is about $10,000.
  —2008, Time and Money magazines

HOARDING DISORDER

• Hoarding affects an estimated 6-15 million Americans.
  —2010, Time magazine
• There are over 75 National Hoarding Taskforces in the U.S.
  —2010, Time magazine
• Personal consumption expenditures and storage unit rentals increased over 20% since 1980.
  —U.S. Chamber of Commerce

RULE BREAKING

• 59% of American high school students say they cheated on a test in the past year; 21% say they stole from a relative; 80% say they lied to a parent; 92% say they're satisfied with their ethics and character.
  —2011, Josephine Institute of Ethics
• 15% of Americans said they would be likely to cheat on their taxes.
  —2010, DBB Worldwide
• 30% of employers have fired employees for misuse of e-mails or Internet on the job.
  —2007, American Management Association on Policy Institute

It's easy to feel discouraged by the scope and magnitude of the dishonesty and insanity in our midst. One way to stay positive is to remember that sometimes things have to get worse before they get better. Another reason to hold cautious optimism is that the problems of stealing, overspending, and hoarding have been increasingly highlighted as true disorders which can be treated. And just as one person can create a lot of chaos in his  own world and the world around him; so, too, can a person who wakes up and finds help similarly create health, hope, and healing.

Terrence Daryl Shulman,
Southfield, Michigan May '11

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