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The Real Reason Poor People Can’t Save

By Frugaling 29 Comments

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The Real Reason Poor People Can’t Save. People in poverty will continue to sit back and watch as others’ lucrative capital increase until something changes.  #savingmoney #savemoney

The Great Recession was “solved” by a number of rapid fire actions by Congress and the Executive Branch. They came together to fund stimulus bills and negotiate with massive banks. They found a way to save most people’s retirements, despite the corruption and chicanery of companies that caused the mess.

We were in a horrible bind. Most people’s entire wealth was wrapped up in real estate and investments, which were tanking. The bubble had popped. Previously, people with little credit and, sometimes, no down payments were able to buy homes. It inflated everything, as people were buying more than they could ever afford.

After the collapse, a lengthy program called for zero-interest borrowing and quantitative easing. The Federal Reserve (U.S. central bank) doled out massive amounts of money to banks at zero and near-zero interest. Effectively, this would enable banks to give borrowers easier access to mortgages, small business loans, and more. The hope was that banks would generously loan out the money.

Then came quantitative easing. Because the interest rates were already at zero, the Federal Reserve (central bank) couldn’t prop up the banks this way any more. They made a last ditch effort and started buying bonds (or, debt) of financial institutions (i.e., Bank of America, Chase, and Wells Fargo).

Every time there was speculation that the discount window to interest-free loans or quantitative easing would come to an end, the stock market would hiccup. Investments would nose dive and a panicked market pleaded with Federal Reserve chairs to hold back – the economy was still “soft.”

Economic stimulation of this sort allowed people to spend more, too. By acquiring low-interest debt, people could buy more, bigger, and better. Everything seemed more affordable when loans were artificially depressed (heck, that’s why I bought a car I couldn’t afford).

Screenshot 2015-05-28 17.29.08People with money bought and bought. And they invested like mad. Those who invested post-Great Recession were rewarded handsomely. From the bottom of the crash to now, the Dow Jones Industrial Average (DJIA) has returned approximately 173%. In other words, investors who got in mid-2009 and 2010 have nearly doubled their money!

One of the saving graces of today’s economy is that inflation has held constant. Throughout 2014, the inflation rate ranged from 0.8 to 2.1% every month. And inflation is an important variable in this conversation, because it’s essentially a measure of affordability. When inflation increases, the consumer price of all goods increases. Everything from bread to cars to homes is affected by this measure.

Thus, in 2014 the average inflation rate was 1.77%. Not too shabby! When you compare that to deflationary or atmospheric inflation, we are in a pleasant sweet spot. The price of goods are increasing at a controlled, moderate rate.

For most of us, the stimulus has worked. My investments are doing better than ever and I’m seeing some sizable gains. The future of my money looks brighter.

Additionally, I have fewer “savings” than ever, and that’s a good thing because I have more invested than ever. I followed the financial advice of the world and realized that cash is a drag. I don’t mean that tongue-in-cheek. Cash suffocates returns, because checking and savings accounts pay next to nothing (even if you choose an online bank). To let cash sit in those accounts means that we accept a pittance and suffer from inflation rates.

Let me put this together. We have benefited from the Federal Reserve’s decision to provide easy capital to banks, which then presumably went to consumers. Similarly, quantitative easing has further supported banks recovery and ability to loan. Investments are spectacular right now, too. But this combination of events has wreaked havoc on the most desperate among us.

The advice for someone like me (who has some – albeit small – amounts of money) is to invest. Don’t suffer the cash drag. Unfortunately, that financial advice doesn’t apply to the poorest among us. Those with irregular and/or unknown paychecks by amount and/or interval can’t invest the money. By investing their funds, they could put themselves at risk because they don’t have enough liquidity. Additionally, they might not be able to invest because they barely have enough at the end of every month to scrape by.

That’s where the advice between wealthy and poor individuals diverges. Our financial commentators tell wealthy people to invest, and the impoverished to save. If only the poor would save more, their lives might be better. Except, if you’ve been following along, “saving money” doesn’t mean protecting money. The average interest rate of savings accounts was 0.06% in 2014. At Bank of America, Chase, PNC Bank, and Wells Fargo – all the brick and mortar banks that those in poverty are more likely to use – the interest rate is a dormant 0.01%.

Let’s say you’re Joe Poverty, trying to save. Mr. Poverty has turned on CNBC, Fox News, and CNN to listen to all the financial advice he can get his hands on. He’s motivated and leans in. He wants to live better, eat healthier, and save for the future. He wants to pay his daughter’s student loans, and he feels guilty that he couldn’t support her. His first step is to open a checking and savings account at a local, popular bank. He needs to be able to pay bills and receive paychecks, but he also wants to begin saving. The checking and savings accounts will pay him 0% and 0.01%, respectively.

Now, here’s where things get really sad. Joe Poverty is going to stay in poverty using this method. Unless he can drastically increase his income and build a huge safety net, he won’t have enough to invest each month. Because he’ll be precluded from investing, his only hope is to save. So he does. And he does. And he does. He’s motivated, remember? He cares about his daughter and wants to succeed.

He drops money here and there into the savings account. But each month that money is worth less and less. Despite his attempts to save at 0.01%, the inflation rate hovers around 1.77%. Effectively, he loses 1.76% every month in spending power. The savings are hibernating, as the world around those dollars is ablaze. The market is benefiting nearly every day from free-flowing capital, but the poorest have had to sit by and watch it happen. Every month, having less.

At some point, Joe Poverty feels like “he’s failing.” He turns on the channels, rereads books, and looks at his savings account. Despite his efforts, he can’t afford to pay off his daughter’s loans. Her loans accelerate at 6.8% interest, as his savings lingers.

This economy disincentivized savings. It trumped up how easy it is to spend and invest, while ignoring those most in need. Savings rates used to 3%, 4%, and 5% only a few years ago. They could easily beat the inflation rate, and incentivize savings. People really added to their wealth when they saved.

Even worse, by disincentivizing savings, those who might need positive reinforcement didn’t receive it. In fact, they were punished for saving. They had less and less each month. The savings were an illusion, and the purposelessness was degrading. Who wants to continue trying to save and add to their income – following the advice of wizened “gurus” – only to find out they’re failing?

The Great Recession hurt nearly everyone. The actions that the government took are debatable. The necessity of those actions are questionable. But the result is undeniable. People have been encouraged to spend free cash and invest for the long term. Neither are bad options in a low-rate environment. Sickeningly, that advice doesn’t apply to everyone.

People in poverty will continue to sit back and watch as others’ lucrative capital increase until something changes. We need the Federal Reserve and the government to incentivize savings like mad. We need an economy and country that’s prosperous for a greater whole, not a select few. The discount window for loans must raise their interest. The quantitative easing must stop. And the world must compromise investment performance for a short while – adjusting to the new rates – to encourage everyone to save.

It’s no longer enough to verbally smack and accost the most destitute without understanding the systemic factors that prevent their success. It’s time we advocate for respect and change these financial practices. Then, and only then, will the advice to “save” make cents.

Filed Under: Save Money, Social Justice Tagged With: Account, Bank, Income, invest, Investments, money, poor, poverty, savings, Social Justice, Wealth

I Have Zero Business Degrees

By Frugaling 13 Comments

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My Graduation Day 2011

What are my credentials?

Frugaling is a personal finance website where I regularly talk about financial concerns. I provide advice to save and make money, editorialize social justice issues, and argue in favor of minimalism over consumption.

But you might be wondering what credentials I have to proffer this help. Well, that’s a funny thing: I don’t have any. I didn’t get a business-related degree — there’s no formal finance education or economics indoctrination. My words are informed by something greater, and my hope is that they’re not the rote, memorized drivel that many financial advisors spout.

As a kid, I always thought I’d pursue something in finance. In fact, I want to tell you a little story from high school. It was there that I decided that to pursue a financial career path would leave me deeply unsatisfied, but my passion for personal finance never stopped.

Sam, you’re on the line!

I was giddy, but tempered in my high school science course. In about 10 minutes I’d ask my teacher to step outside and make a phone call.

My battery was fully charged, but I had to find a better signal. There was a field, away from the building, that provided a comfortable amount of strength. I dialed the number; I believe it was somewhere in New Jersey. I stayed on the line for what seemed like an abominable amount of time.

Occasionally, a pre-recorded voice piped up, that encouraged me to stay on the line. Then, I heard Jim Cramer’s — host of Mad Money on CNBC — voice and he shouted in my ear, “Sam from Golden, Colorado…” I melted with nervousness, but miraculously stated a ticker symbol (which I cannot remember) for a stock I was interested in.

Stocks were more important than classes

My latter high school days were filled with these moments. While fellow students studied diligently for their ACTs and applied to elite schools such as Duke and Stanford, my time was spent reading, trading, and watching the stock market. Because I was under 18, I forced my mom to co-sign and create a custodial account on an online trading site. I was hooked, and I loved the adrenaline.

Numbers pulsed through me, and I would binge on stock charts for hours. I hogged library computers and printer time to map them. In hallways and breaks, I drew lines on the charts, and practiced what I saw in books and television.

As an autodidact, the stock market provided an endless supply of data to be analyzed and understood. And the spoils went to the most educated people. I wanted to be one of them.

One form changed my degree, life

College was the path I was expected to follow. While my parents and grandparents never “forced” that path, it was strongly encouraged. The university life was where people went from good to great. I was open to that potential.

I applied to two colleges. The one I wanted to go to, Colorado State University, accepted me, but didn’t directly admit me into business. My less-than-stellar grades and contempt of mathematics meant that I would be an “open-option” business student until I proved my competence via good grades.

Prior to departing for Colorado State, there was an open house session. I attended one event geared specifically towards open-option students. For one hour, an advisor talked about academic success and finding your purpose in college.

I remember rolling my eyes, as the cynic in me dreaded the activity to come. We were split up into groups and then given about 10 minutes to complete a form and talk among the members.

The form asked us some simple questions, but one stuck out; it read, “How would you use your degree?” Despite the stupidly simple question, I had not really thought about this question before. I saw a response, “I want to help others.” Then I thought about my business degree — something wasn’t quite right.

I went to my advisor as soon as school started and asked to switch to psychology. There, I envisioned being able to listen and talk with others through their problems. That would be a degree to “help others.”

The psychology of money, spending, and society

After undergrad, I applied to graduate school and got into a counseling psychology doctoral program at the University of Iowa. I still wanted to follow the goals set forth in that open-option day. But in the back of my mind I recognized that investing and money issues still held great interest.

I still invested and read everything I could get my hands on regarding the stock market and business. I changed career paths, but my intrinsic passion for personal finance lingered.

As my own debt and spending spiralled out of control, I started Frugaling to right my course. It worked. I paid off about $40,000 of debt in about a year. I completely revamped my life — now incompatible with wanton spending and extravagances.

But I also started Frugaling as a perfect combination to meld my converging interests. I found that people’s (me included) monetary issues were closely linked to psychological concerns, distress, and stressors.

Psychology and business weren’t divergent topics. Additionally, I realized that most financial gurus blamed personal responsibility and character flaws on poverty, bankruptcy, and inadequate financial planning. There was room for a different voice — informed by psychological concepts and real counseling work with people suffering.

I’m not a financial-affiliated spokesperson

Over the nearly two years that Frugaling has been around, I have become an increasingly more passionate advocate for the underdogs. Financial markets are deeply unforgiving and unequal. People need to stand up and help others across diverse, multicultural backgrounds.

I ask you not to trust me for my financial degrees and letters after my name. I ask you not to trust me for how much money I’ve made for other people. I ask you not to trust me for being personally wealthy. I ask you not to trust me for my reputation (or lack thereof).

All I ask is that you consider the possibility that financial voices of reason come from those outside that insular world. I’m here to stand up for those who’ve been drowned out for too long. And I’m excited to continue building an audience (you included) that is inspired into action over social justice concerns and reducing consumption.

Filed Under: Social Justice Tagged With: Advice, Business, college, Finance, graduate school, investing, Personal Finance, Psychology, school, Social Justice, Stock Market, stocks, university

Drained: A Fictional Tale of Reality

By Frugaling 6 Comments

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Homelessness Cart Outside
Photo: Roberto Lajolo/Flickr

Personal finance vs. social justice

The personal finance world is inundated by articles and advice that focus on individual empowerment and responsibility for wealth generation. Essentially, the messages emphasize an individual’s ability to overcome debt through some tried and tested methods: hard work, side hustles, penny pinching, and highly restrictive lifestyles.

At times, I feel frustrated because it doesn’t properly account for countless variables that affect another’s ability to overcome financial hardship. Simply put, this advice places the burden and responsibility for financial success on the individual — and solely that person.

The reality is murkier, with various responsible parties and reasons for financial insolvency. Sudden job loss can leave families homeless. Medical bankruptcies can lead to awful credit scores and drained savings. Corruption in the banking system might prevent home owners from reducing their mortgage rates (despite receiving government funding to do just that). When persons blame or support the idea that personal finance solely rests on the individual, an injustice is committed.

Encouraging support, dialogue

Today, I wanted to write in a different voice. I guess you could say I’m feeling… creative.

Whether you call it a piece of “fiction” or “creative writing,” my hope is that you can better empathize with those from diverse backgrounds. More importantly, my dream is to respectfully tell a fictional tale that’s all too close to reality.

While reading this piece, I encourage you to think about how you can best provide support and advice to a family suffering in similar circumstances.

Let the story begin…

We’re broke.

I know we’re broke, but the kids can’t know. They’re too young to understand, and I’m ashamed. I’m not supposed to be here financially or geographically. We live out of suitcases with broken zippers. We duct tape the lid whenever we move again. I wish we had closets and dressers.

There are five us. My eldest is 12 and the youngest is 2, with two others aged 4 and 6. Together we make a handful.

They call me “Mah.” I call them my “Brats,” but I love them dearly. They’re the reason I’m still alive and kicking — fighting to get out of here and better my life. But every time I try, I’m sucked back down. Perhaps this is what the dinosaurs felt, as they got trapped in the La Brea Tar Pits.

My eldest is smart. I know she is. I can see it when she blasts through math assignments from school. I hear it when teachers remark about her rapid and accurate in-class participation. She could go to Harvard, if we had the money.

She whispers into my ear at night, when the lights are out and the other kids are fast asleep. She asks me if a woman will ever be president. She asks me why the stars seem so much brighter here, as opposed to the inner city.

My youngest is curious about the walls around him. He runs all around the shelter and tugs on the coattails of other residents. He draws pictures of a man, brings it to my face. I can’t avoid it. He calls the unknowable figure, “Daddy.”

His hair matches his father’s — unruly and brilliantly soft. Two-years-old and I can already see his father’s face on him. That button nose makes me grimace, because that man was horrible. I hide it from my youngest; at least, I try to.

He never met that man. No, he never met that asshole. He beat me to a near-coma, and then left me and my kids to fend for ourselves. Sometimes I have flashbacks of him coming for me. I fear that he’ll find me — even here in another state.

Could he find me, us?

As soon as I get a place of our own, I’m buying a gun. I’m sick of this shit. Sick of feeling defensive — like he could get us at any time, anywhere. Trust me, I’ve known quite a few assholes over the years.

I had my first child at 16. That was my first boyfriend. He was 22 and worked at the liquor store. Hell, he held a job and paid for our daughter’s clothing. My mother liked him. I liked him. But he couldn’t help making a few bucks here and there; you know, “on the streets.”

Eventually, he left us. Suddenly, I couldn’t afford not to work, nor could I afford our current place. I was alone and lonely. The kids were devastated.

In a rush, I buried the thoughts of that man and found work at a donut shop. If you knew what goes into those disgusting circles… Well, let’s just say you wouldn’t be chowing down on that next dozen. It paid the bills — sort of. It’s not like we didn’t get extra help. We were on food stamps and Medicaid. It never seemed like enough, though.

I was able to hold down that job for a while, but I struggled to sleep at night. The background hum was the din of people yelling, and the occasional crack of a pistol’s chamber. The streets were alive, while I “slept.” Every night was the same.

Men have been in and out of my life — out my kids’ lives. I must’ve been ignorant — stupid — because each time I thought this was the one. The one who would give me and my family the security we need. That never came.

Soon, work fired me. I was late to too many shifts — tired from taking care of my kids and sleepless nights.

I had a hundred dollars, bills to pay, and rent that was overdue. I used my credit card and filled up my tank all the way. Then, I drove as far as I could to safety — from my past, haunts, creditors, and landlord.

I hit the reset button.

But, I never expected to be here. I never expected to be away from home. I never wanted to put my kids through this mess. But now I’m here, without any money, over-drafted and maxed out.

I don’t know what to do.


Putting the person in personal finance

Sometimes, people that need the most financial help are coming from poverty, discrimination, and poor socio-economic backgrounds. Their way out is obscure and unclear. Providing a blanket list of “5 tips to reduce debt” can help, but too frequently, it downplays the history and subtly provides judgment for those who cannot meet the prescribed solutions.

Problems come from somewhere — they don’t magically appear. By acknowledging an individual’s entire story, we can begin to provide help and systemic support. Advice and feedback must be provided through a lens that helps to incorporate how an individual got there in the first place.

Personal finance requires social justice. It takes a village. It takes understanding. It takes resources, because everyone starts with a different amount. Debasing and downgrading a struggling family for being “financially irresponsible” is intended to shame — plain and simple. Psychologically, this method is flawed and does not tend to lead to positive outcomes. Instead, we must come to the aid — without judgment.

When we realize these values, people can better accomplish personal finance dreams and follow goals.

Filed Under: Social Justice Tagged With: creative writing, family, frugality, Income Inequality, poverty, Social Justice, story, Tips, Tricks

“We Are Rich Because They Are Poor.”

By Frugaling 13 Comments

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Norway could be heaven on Earth

Norwegians have an average life expectancy of 81 years, income of $58,810, and one of the best education systems in the world. With a highly social tax system, Norwegians benefit from incredible health care, free college opportunities, and more paid time off when compared to most of the world.

Other than brutal winters, Norway is a near-utopian country with a smaller divide between wealthy and impoverished. There’s incredible privilege in this economy.

A Norwegian newspaper, Aftenposten, decided to select three prominent fashion bloggers — Frida, Ludvig, and Anniken — to journey to Cambodia. These bloggers obsess and pour over the latest fashion trends. They write and photograph their latest finds for the world to see. Additionally, they make money from their features through advertisements and endorsement deals.

Welcome to Cambodia!

Aftenposten wanted to expose these bloggers to the garment workers on the other end of the manufacturing industry for their favorite clothes. As many of the worst worker conditions and best trade relations are in South Asian countries, they selected Cambodia.

With personal cameras, beaming smiles, and naive curiosity, these three traveled to Cambodia to “discover” what garment workers’ jobs are like — for a month. Almost instantly after they landed in the foreign land, they remarked about how they expected more “shops,” cleaner markets, and cheaper food prices.

They immediately experienced culture shock — from privilege to poverty in one flight.

Wages that keep people in poverty

Over the course of the next five episodes, the three explore their neighborhood and interview garment workers. The first, Sokty, tells about making around $3-4 per day. She usually works 7 days a week, and often works from 7 AM to 8 PM.

Sokty sleeps on her floor, covered in some blankets. Her shower is a bucket, where she pours water over herself. She has a clothes line that is about 5 feet long and has a few shirts.  She can’t afford to buy the clothes she sews.

There’s a TV, and some photos are pasted to her walls. To many Americans, this austerity and poverty is likely uncomfortable. Societally, we tend to rationalize away these discomforts, rather than face them.

Empathy through exposure

Anniken initially appears uncomfortable, but explains away this feeling by saying they don’t know any better/different. Further, she points out that these Cambodian garment workers are probably used to it, and that’s why they’re okay with this disparity.

Without even a sliver of remorse, sadness, or regret, her explanation weighs heavy for the remaining episodes. They’re a harbinger for a painful self-discovery of ignorance.

See, as the month-long journey flies by, the group becomes increasingly aware of their false assumptions and prejudices about garment workers in far away places. They realize that these people deserve better. And that they — as fashion bloggers — have a role in changing it.

Sometimes it’s as simple as exposure. By accepting the request to appear in a reality series, these three Norwegians grew immensely. One aspect that seemed to change their understanding was trying to buy a dinner on three garment paychecks for the day ($9 total). They cooked the most basic food, which was heavily watered down to feel like more.

“We are rich because they are poor.”

By the conclusion, their voices were unified in disgust and shame for their buying habits. They suddenly realized the consequences of their shopping habits. The Norwegians wrapped up filming with a new resolution: go back home and share their story with others. Ultimately, they wanted to pressure major clothing retailers to choose more worker-friendly locations, paychecks, and rights.

Repeatedly, Ludvig noted how their lives were great in Norway, because theirs (Cambodian garment workers’) “suck.” His words spoke to the fundamental horror of capitalism: where one succeeds, another falls.

We’ve set up a system of trading and exchange, where some people’s money goes further than others. There’s a reason most of our clothing is manufactured elsewhere, and it’s not because they have vastly more productive workers — they just have fewer restrictions and depressed incomes.

That’s not a solution for a fair, just society.

Here are three ways we can correct these inequalities:

1. Support retailers that pay laborers living wages
2. Petition/write companies and Congress to support living wages
3. Prefer local clothing companies, where possible

Filed Under: Social Justice Tagged With: Cambodia, Clothing, Income Inequality, Norway, poor, poverty, rich, Social Justice, trade, Wealth

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