One more point: A few years after my daughter was born my wife and I quit our library jobs so we could both spend as much time as possible with our daughter, whom we homeschool. We figure that we can always go make money, but our daughter grows up only once, and if we miss it, there’s no second chances.
(We make money by writing, by real estate, and by very occasional substitute teaching, all of which require little investment of time away from our home.)
Anyway, since 2008 our annual household income has hovered around the poverty level (give or take $1,000) as defined by the U. S. government. Neither myself, nor my wife, nor my daughter thinks of our family as poor. We live according to Biblical principles. We have one child who was born 4 years after we married. We are faithful in our marriage, and recognize divorce as a grave sin. We have no debts, not even a house payment. When we first married in 2000 we bought a modest house outright, and we still live in it. I still drive my 1999 Saturn, and my wife still drives her 2001 Nissan. We still have a low-tech flip-phone. We spend zero money on alcohol, on drugs, on tobacco, etc. We still have the same TV my wife bought in 1999. We live within our means, and we love life. We don’t sit around and feel sorry for ourselves because we are supposedly “poor” because the federal government says so.
In contrast, every person I have ever met who considers himself “poor” is very wasteful with his money. They get kicked out of their homes because they bought houses worth three times my own and couldn’t afford the payments. They buy new cars every 2-3 years. They spend lots of money on alcohol and/or cigarettes. They all have TV sets that dwarf mine, and usually more than one. And knick-knacks? Don’t even get me started on the metric ton of useless junk that these “poor” people buy. It’s no wonder they have no money. For every dollar they get they waste two. They have multiple credit cards, many maxed-out. (We have one that we use as cash, paying it off 100% each month so as to never pay any interest.)
I do not live in a rich area. I live in Pueblo, Colorado.
Forgive me if anyone thinks I am “tooting my own horn”. Far from it. I am simply saying that if one exercises a little common sense and decency in his life, he will avoid the problems that seem to be rampant amongst the “poor”. What with the promiscuity, divorce, debt, alcohol, tobacco, drugs, new cars, high-tech phones/gadgets, etc. Good grief. Paying people to indulge in these sins is not “helping the poor”, it is hurting them. It is no less sinful than finding a wino sitting back of an alley and buying him a new bottle of wine. The last thing an unaccountable person needs is money. Money in such hands is a greater means of self-destruction.