UWS family embraces fiscal cliff

An Upper West Side family claims it is within thirty days of financial insolvency, but adds that this has been the case since 1990 and nothing bad has ever really happened. "We're always a paycheck away from declaring bankruptcy," explained Todd Tarpley of Manhattan. "Fortunately some bank is always willing to give us another credit card or re-fi, so--hey." His wife, Jennifer, agreed. "Could we tighten our belts and sharpen our pencils and actually get serious about balancing our budget?" she asked rhetorically. "Sure--but if there's one thing this recession has taught us, it's that there's never a bad time to take more equity out of your home."