A favorite topic of mine is the concept of agency, especially with the working poor. Too many times I’ve spoken with people that get up at the crack of dawn to work a menial job then follow up a full day’s labor with yet another low paying job in the afternoon/evening and they will not agree that there is much they can do to change their lives.
There is an idea that the social, financial, and governmental systems that meter their lives are incapable of being changed, amended, and/or disrupted by people in their position. What?! As the saying goes, “power is never given, it is taken”. I honestly don’t understand why the working poor don’t put up more of a fight to understand, and change, these systems.
The first step is to learn all you can about credit, debt, taxes, investing, etc. You can’t manage or change what you don’t understand.
The second step is to become an advocate for yourself, your family, and your community. For example, make sure that you are paying a fair price for things, make sure that you are shopping around for the best loans for your credit history, ask questions and make sure you get answers before you sign any documents.
Next, vote according to what makes the most sense for you and your family. Don’t become swayed by flashy t.v. commercials or slick talking politicians. The government works for us, the people. The decisions the politicians make effect you in your daily life more than you think.
Lastly, share what you know with anyone that asks. Make sure that you pass on the knowledge and practice of that knowledge to your children and others in your community. There is strength in numbers and power in accumulated knowledge.
Power to the people!