I was homeless, then working below minimum wage for about that long. I now make 750k a year.
Don't write off the poor as broken, help them achieve to their ability. Most poor folks aren't poor because of bad choices, they are poor because of systemic issues that make life harder and more expensive. If we lift these people out of that hell scape, they'd be able to do so much more.
my bank, for instance, would reorganize my deposits and debits to maximize overdraft fees. I would put cash in, then go use my debit card later in the day, but the debit would process first. Then I would overdraft, then the cash would be applied, then the next purchase would overdraft. Despite the first operation being putting cash in the bank that would cover. My bank also had a 0% interest rate on my savings account because "we made a mistake".
Don't write off the poor as broken, help them achieve to their ability. Most poor folks aren't poor because of bad choices, they are poor because of systemic issues that make life harder and more expensive. If we lift these people out of that hell scape, they'd be able to do so much more.
my bank, for instance, would reorganize my deposits and debits to maximize overdraft fees. I would put cash in, then go use my debit card later in the day, but the debit would process first. Then I would overdraft, then the cash would be applied, then the next purchase would overdraft. Despite the first operation being putting cash in the bank that would cover. My bank also had a 0% interest rate on my savings account because "we made a mistake".