Why are so many of our people defiant when it comes to financial literacy

[b'mer...]

Lack of discipline and off set priorities. Many are complacent in their job fields are content with just budgeting to avoid major financial uncertainties. Some feel that if they have the ability to put gas in their vehicles, enough to pay rent, pay bills or just live without really hurting their pockets....this some how lets them breathe a lil deeper and not have to really prepare for the future while young enough to do so.

 

[HafBayked]

Get money. Live life. Plant seeds.

Got it.

 

[2stepz_ahead]

you have no clue what niggas got saved, how do you even come to the assumption black people don't save

I'm telling you niggas out with money, saving and investing, don't be ignorant

take a deep breathe bruh.....if you offended by this thread....maybe its something you might need to get check...

if you have savings and investments....then what the fukk are you upset about.

if anything you should be more understanding that in our community the shit is more the exception and not the rule.

and if you are defiant like the title says then its obvious you dont have what your saying someone is ignorant about.

you might have jumped the gun with this one....reread the OP when you having a better day.

no, op and thread is about you and you hanging around bum niggas and then you projecting your feelings onto a group of people

You're no better than a white person that knows a black person on welfare and assumes every black person is on welfare

youz a dumb nigga

sounds more like you are projecting.

did i not say ...how can we help....yea i said that plenty of time.

but a nigga like you are the reason people dont want to help.

take that negative shit elsewhere...we have a problem to solve to help OUR community and those that are NOT financially literate.

dumb ass

 

[2stepz_ahead]

I don't consider the issue to be one of defiance but fear. Finance is not an easy subject to learn and apply, and possessing that knowledge will not necessarily garner favorable results. There are multiple answers:

1.) people aren't taught about savings, markets, etc. in school, so they wouldn't necessarily understand the value of using these devices to increase their assets;

2.) Even those who study the markets know that there are often too many moving parts to guarantee the market forces will work for you (e.g. How the price of tea in China can fuck up the cost of oil and annihilate your portfolio); and

3.) people often speak about money as if it's the solution to all of your personal problems when it's not. Many circumstances that occur in life can affect investment behavior or availability of individual capital. Reports have been released in the press about how X% of people are living check to check in higher income areas. Those people may not have access to capital to better their circumstances.

Anecdotally, I knew one guy who retired twice, dabbled in the market, and had a TSP with >$200,000, but died before he could spend any of it. He planned to travel the world, and take classes on a variety of interests, and do things for his grand kids. Not anymore. His children pissed it all away soon thereafter. What was it all for. Personal finance is important but not to the exclusion of all other life factors.

I say none of this to discourage people, just be mindful of the myriad factors also at play.

salute your contribution....

but how can we help more of those who dont even want to try....

do we just sit an watch or do we try to help.

i see that sitting by and watching....we are all connected and it may just come back to haunt you.

 

[EmM HoLLa.]

I don't consider the issue to be one of defiance but fear. Finance is not an easy subject to learn and apply, and possessing that knowledge will not necessarily garner favorable results. There are multiple answers:

1.) people aren't taught about savings, markets, etc. in school, so they wouldn't necessarily understand the value of using these devices to increase their assets;

2.) Even those who study the markets know that there are often too many moving parts to guarantee the market forces will work for you (e.g. How the price of tea in China can fuck up the cost of oil and annihilate your portfolio); and

3.) people often speak about money as if it's the solution to all of your personal problems when it's not. Many circumstances that occur in life can affect investment behavior or availability of individual capital. Reports have been released in the press about how X% of people are living check to check in higher income areas. Those people may not have access to capital to better their circumstances.

Anecdotally, I knew one guy who retired twice, dabbled in the market, and had a TSP with >$200,000, but died before he could spend any of it. He planned to travel the world, and take classes on a variety of interests, and do things for his grand kids. Not anymore. His children pissed it all away soon thereafter. What was it all for. Personal finance is important but not to the exclusion of all other life factors.

I say none of this to discourage people, just be mindful of the myriad factors also at play.

salute your contribution....

but how can we help more of those who dont even want to try....

do we just sit an watch or do we try to help.

i see that sitting by and watching....we are all connected and it may just come back to haunt you.

You can't something for a person that doesnt want it for themselves.. Those that want help will seek out your help.. The other you just gotta let them do them...

 

[2stepz_ahead]

I don't consider the issue to be one of defiance but fear. Finance is not an easy subject to learn and apply, and possessing that knowledge will not necessarily garner favorable results. There are multiple answers:

1.) people aren't taught about savings, markets, etc. in school, so they wouldn't necessarily understand the value of using these devices to increase their assets;

2.) Even those who study the markets know that there are often too many moving parts to guarantee the market forces will work for you (e.g. How the price of tea in China can fuck up the cost of oil and annihilate your portfolio); and

3.) people often speak about money as if it's the solution to all of your personal problems when it's not. Many circumstances that occur in life can affect investment behavior or availability of individual capital. Reports have been released in the press about how X% of people are living check to check in higher income areas. Those people may not have access to capital to better their circumstances.

Anecdotally, I knew one guy who retired twice, dabbled in the market, and had a TSP with >$200,000, but died before he could spend any of it. He planned to travel the world, and take classes on a variety of interests, and do things for his grand kids. Not anymore. His children pissed it all away soon thereafter. What was it all for. Personal finance is important but not to the exclusion of all other life factors.

I say none of this to discourage people, just be mindful of the myriad factors also at play.

salute your contribution....

but how can we help more of those who dont even want to try....

do we just sit an watch or do we try to help.

i see that sitting by and watching....we are all connected and it may just come back to haunt you.

You can't something for a person that doesnt want it for themselves.. Those that want help will seek out your help.. The other you just gotta let them do them...

i hear that.....

frustration came to MLK, Malcolm and Castro as well. anyone who wanted to help people has been in a frustration position at a time.

Im not saying im on their level.... but i am available to share anything i know.

 

[Ol Jay's]

you have no clue what niggas got saved, how do you even come to the assumption black people don't save

I'm telling you niggas out with money, saving and investing, don't be ignorant

take a deep breathe bruh.....if you offended by this thread....maybe its something you might need to get check...

if you have savings and investments....then what the fukk are you upset about.

if anything you should be more understanding that in our community the shit is more the exception and not the rule.

and if you are defiant like the title says then its obvious you dont have what your saying someone is ignorant about.

you might have jumped the gun with this one....reread the OP when you having a better day.

no, op and thread is about you and you hanging around bum niggas and then you projecting your feelings onto a group of people

You're no better than a white person that knows a black person on welfare and assumes every black person is on welfare

youz a dumb nigga

sounds more like you are projecting.

did i not say ...how can we help....yea i said that plenty of time.

but a nigga like you are the reason people dont want to help.

take that negative shit elsewhere...we have a problem to solve to help OUR community and those that are NOT financially literate.

dumb ass

you out here claiming our community is not financial literate, yet im the negative one

Funny how that works

The problem isn't the financial literacy of those without, the problem is the incapability of those who claim to be financially literate

Skilled labor, paying middle income wages, would be a start to bringing any financial literacy to our community, if a nigga put in the hard work to earn a dollar it wouldn't be so easy for him to give it away

 

[Fosheezy]

Most Niggas out here don't even have living wages. What financial decision can they can even make that will be life-changing? being in such position they have limited options.

thats why people who would be considered as "making it" should be willing to help them get into a better position. and those considered "not making it" should be willing to listen.

those that "have" is never far from the hood and the hood is not that far to make it out of.

rich and poor blacks are still black. im not different to someone still in the projects. i rather more take a step to come up than some nigga trynna bring another down.

I'm with that but I think the underlying issue is niggas have bills and just ain't making enough money period. So how do they solve that problem besides hit the streets and bleed the block or get a "good job "? Let me find out y'all niggas is pulling schemes on the low and just ain't putting nobody else in on it. Not everybody doing it legal I KNOW they not. Only a few ppl got the discipline and patience to do it that way

 

[StillFaggyAF]

You have to be taught al of this

 

[2stepz_ahead]

you have no clue what niggas got saved, how do you even come to the assumption black people don't save

I'm telling you niggas out with money, saving and investing, don't be ignorant

take a deep breathe bruh.....if you offended by this thread....maybe its something you might need to get check...

if you have savings and investments....then what the fukk are you upset about.

if anything you should be more understanding that in our community the shit is more the exception and not the rule.

and if you are defiant like the title says then its obvious you dont have what your saying someone is ignorant about.

you might have jumped the gun with this one....reread the OP when you having a better day.

no, op and thread is about you and you hanging around bum niggas and then you projecting your feelings onto a group of people

You're no better than a white person that knows a black person on welfare and assumes every black person is on welfare

youz a dumb nigga

sounds more like you are projecting.

did i not say ...how can we help....yea i said that plenty of time.

but a nigga like you are the reason people dont want to help.

take that negative shit elsewhere...we have a problem to solve to help OUR community and those that are NOT financially literate.

dumb ass

you out here claiming our community is not financial literate, yet im the negative one

Funny how that works

The problem isn't the financial literacy of those without, the problem is the incapability of those who claim to be financially literate

Skilled labor, paying middle income wages, would be a start to bringing any financial literacy to our community, if a nigga put in the hard work to earn a dollar it wouldn't be so easy for him to give it away

aye dumb nigga..

i said "why are so many" not all. niggas like you like to blanket shit when it wasnt said.

second dumb nigga, check my history....i am here to help, check the OP im about helping and progressing....but all you see is the negative in that.

Pralims: aye let get some money

dumb ass: you act like, niggas aint got money already

pralims: nigga im here to help

dumb ass: aint my fault you hang around bum niggas.

pralims: damn you negative

dumbass: you the negative one assuming niggas aint got money.

an skilled labor and all that other shit you talking means nothing if you dont know how to hold on to it.

you act like you defending something that wasnt said . something is burning your soul....

you the only nigga who wants to take a thread trying to motivate and get help to build and turn it into ....nigga how you know.

fukk outta here.

 

[2stepz_ahead]

Most Niggas out here don't even have living wages. What financial decision can they can even make that will be life-changing? being in such position they have limited options.

thats why people who would be considered as "making it" should be willing to help them get into a better position. and those considered "not making it" should be willing to listen.

those that "have" is never far from the hood and the hood is not that far to make it out of.

rich and poor blacks are still black. im not different to someone still in the projects. i rather more take a step to come up than some nigga trynna bring another down.

I'm with that but I think the underlying issue is niggas have bills and just ain't making enough money period. So how do they solve that problem besides hit the streets and bleed the block or get a "good job "? Let me find out y'all niggas is pulling schemes on the low and just ain't putting nobody else in on it. Not everybody doing it legal I KNOW they not. Only a few ppl got the discipline and patience to do it that way

ok,,,,ill take what you said...

if the person is not making enough to barely make bills....and or have to hit the block ....ok.

it shows a certain degree of getting money...im saying keeping the money. to even eventually go legit and stay legit.

 

[Ol Jay's]

you have no clue what niggas got saved, how do you even come to the assumption black people don't save

I'm telling you niggas out with money, saving and investing, don't be ignorant

take a deep breathe bruh.....if you offended by this thread....maybe its something you might need to get check...

if you have savings and investments....then what the fukk are you upset about.

if anything you should be more understanding that in our community the shit is more the exception and not the rule.

and if you are defiant like the title says then its obvious you dont have what your saying someone is ignorant about.

you might have jumped the gun with this one....reread the OP when you having a better day.

no, op and thread is about you and you hanging around bum niggas and then you projecting your feelings onto a group of people

You're no better than a white person that knows a black person on welfare and assumes every black person is on welfare

youz a dumb nigga

sounds more like you are projecting.

did i not say ...how can we help....yea i said that plenty of time.

but a nigga like you are the reason people dont want to help.

take that negative shit elsewhere...we have a problem to solve to help OUR community and those that are NOT financially literate.

dumb ass

you out here claiming our community is not financial literate, yet im the negative one

Funny how that works

The problem isn't the financial literacy of those without, the problem is the incapability of those who claim to be financially literate

Skilled labor, paying middle income wages, would be a start to bringing any financial literacy to our community, if a nigga put in the hard work to earn a dollar it wouldn't be so easy for him to give it away

aye dumb nigga..

i said "why are so many" not all. niggas like you like to blanket shit when it wasnt said.

second dumb nigga, check my history....i am here to help, check the OP im about helping and progressing....but all you see is the negative in that.

Pralims: aye let get some money

dumb ass: you act like, niggas aint got money already

pralims: nigga im here to help

dumb ass: aint my fault you hang around bum niggas.

pralims: damn you negative

dumbass: you the negative one assuming niggas aint got money.

an skilled labor and all that other shit you talking means nothing if you dont know how to hold on to it.

you act like you defending something that wasnt said . something is burning your soul....

you the only nigga who wants to take a thread trying to motivate and get help to build and turn it into ....nigga how you know.

fukk outta here.

bro your thread title is negative in itself, "aye let get some money", that's not what your thread title is saying

Aye let get some money, but Im the dumb nigga

 

[NothingButTheTruth]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

If I was to play along with this train of thought, the number one answer would be trust or fear. Why should I trust you with my hard earned money? Why should I trust you know what you're talking about? Is there some kind of insurance on my investment? What if I lose everything, all because I decided to listen to some slick nigga in a suit, will I be able to live with myself?

These are the questions that are running through the minds of most potential investors.

The next answer would be, presentation. Most of the people I've witnessed and spoke with regarding financial literacy are absolutely terrible at stating their case. They sound like con men, they're condescending, they're nerdy ass, thesaurus using ass niggas, or they don't know how to get their point across. You have to present it in a way that your customer can comprehend what's going on. Explain the concept of investing in general and connect it to something that's important to them or something they're already doing. A lot of the bottom feeder ass niggas already practice some form of financial literacy, when they save up for concert tickets, festivals, vacations etc.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

 

[NothingButTheTruth]

I try to help people all the time now that I'm doing good but shit some people want a hand out not help.

Would you consider a loan, help or a handout?

 

[Ol Jay's]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

knew I couldn't have been the only one to see this thread for what it was

And I only read the thread title

 

[JokerzWyld]

I don't consider the issue to be one of defiance but fear. Finance is not an easy subject to learn and apply, and possessing that knowledge will not necessarily garner favorable results. There are multiple answers:

1.) people aren't taught about savings, markets, etc. in school, so they wouldn't necessarily understand the value of using these devices to increase their assets;

2.) Even those who study the markets know that there are often too many moving parts to guarantee the market forces will work for you (e.g. How the price of tea in China can fuck up the cost of oil and annihilate your portfolio); and

3.) people often speak about money as if it's the solution to all of your personal problems when it's not. Many circumstances that occur in life can affect investment behavior or availability of individual capital. Reports have been released in the press about how X% of people are living check to check in higher income areas. Those people may not have access to capital to better their circumstances.

Anecdotally, I knew one guy who retired twice, dabbled in the market, and had a TSP with >$200,000, but died before he could spend any of it. He planned to travel the world, and take classes on a variety of interests, and do things for his grand kids. Not anymore. His children pissed it all away soon thereafter. What was it all for. Personal finance is important but not to the exclusion of all other life factors.

I say none of this to discourage people, just be mindful of the myriad factors also at play.

salute your contribution....

but how can we help more of those who dont even want to try....

do we just sit an watch or do we try to help.

i see that sitting by and watching....we are all connected and it may just come back to haunt you.

I wish I had the answers. I remember I had a conversation with some guys I know who like buying J's. I told them they should consider investing in Nike. They responded that that wasn't a smart suggestion because "stocks lose value." I said that stocks MIGHT lose value but those shoes you WILL definitely depreciate over time. Many of them believe the game is rigged too much to participate.

 

[2stepz_ahead]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

knew I couldn't have been the only one to see this thread for what it was

And I only read the thread title

no ...you just found another dumb nigga

if i am sooo wrong....where is this shown as far as really owning a piece of america....like little Italy, china town..hell...little haiti.

its always a few that will see fukk shit and miss some like

everyone will not listen but your words may spark something in someone. i know starting the new year off right...i will post alot of shit that will help us all get our finances and credit and shit in order.

but that dont matter cause the title got you tight.

funny how others are willing to take any info given to them.....but a few chose to say...you have to say it right for all to follow.

fukk outta here

ole talk to me like a 5 year old and not hurt my feelings ass nigga.

stay up out the thread bruh...its that easy

 

[Ol Jay's]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

knew I couldn't have been the only one to see this thread for what it was

And I only read the thread title

no ...you just found another dumb nigga

if i am sooo wrong....where is this shown as far as really owning a piece of america....like little Italy, china town..hell...little haiti.

its always a few that will see fukk shit and miss some like

everyone will not listen but your words may spark something in someone. i know starting the new year off right...i will post alot of shit that will help us all get our finances and credit and shit in order.

but that dont matter cause the title got you tight.

funny how others are willing to take any info given to them.....but a few chose to say...you have to say it right for all to follow.

fukk outta here

ole talk to me like a 5 year old and not hurt my feelings ass nigga.

stay up out the thread bruh...its that easy

I don't know what I said to hurt your feelings, bro I apologize

And its very funny you assume that the very people you assume aren't financial literate couldn't possibly be the ones to put you up on game

I learn shit daily because I talk to men like men, doesn't matter to me how they're living

I responded before even knowing who made the thread or even knowing what it was about, the thread title came off as condescending like it was to belittle the black community, like a cac trolling

I'm guilty if that wasn't your intentions

 

[yellowtapesport]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

knew I couldn't have been the only one to see this thread for what it was

And I only read the thread title

no ...you just found another dumb nigga

if i am sooo wrong....where is this shown as far as really owning a piece of america....like little Italy, china town..hell...little haiti.

its always a few that will see fukk shit and miss some like

everyone will not listen but your words may spark something in someone. i know starting the new year off right...i will post alot of shit that will help us all get our finances and credit and shit in order.

but that dont matter cause the title got you tight.

funny how others are willing to take any info given to them.....but a few chose to say...you have to say it right for all to follow.

fukk outta here

ole talk to me like a 5 year old and not hurt my feelings ass nigga.

stay up out the thread bruh...its that easy

I don't know what I said to hurt your feelings, bro I apologize

And its very funny you assume that the very people you assume aren't financial literate couldn't possibly be the ones to put you up on game

I learn shit daily because I talk to men like men, doesn't matter to me how they're living

I responded before even knowing who made the thread or even knowing what it was about, the thread title came off as condescending like it was to belittle the black community, like a cac trolling

I'm guilty if that wasn't your intentions

lol stall'em out Debo...

This nigga @2stepz_ahead just happy to be doin good out here..ol' started from the bottom, Calvin from McDonalds ass-nigga

 

[2stepz_ahead]

Lol these threads are funny because they always focus on the bottom feeders or the absolute worst of one group and scale it up as if it's the majority.

If I was to play along with this train of thought, the number one answer would be trust or fear. Why should I trust you with my hard earned money? Why should I trust you know what you're talking about? Is there some kind of insurance on my investment? What if I lose everything, all because I decided to listen to some slick nigga in a suit, will I be able to live with myself?

These are the questions that are running through the minds of most potential investors.

The next answer would be, presentation. Most of the people I've witnessed and spoke with regarding financial literacy are absolutely terrible at stating their case. They sound like con men, they're condescending, they're nerdy ass, thesaurus using ass niggas, or they don't know how to get their point across. You have to present it in a way that your customer can comprehend what's going on. Explain the concept of investing in general and connect it to something that's important to them or something they're already doing. A lot of the bottom feeder ass niggas already practice some form of financial literacy, when they save up for concert tickets, festivals, vacations etc.

...To the thread starter, if you want to truly help people, get with someone or a team who can truly articulate your ideas and is a chameleon of sorts when it comes to presentations. They know what language to use depending on the audience. Your position is better served as the bank. You're too far removed and negative to effectively touch the people directly.

so you saying warren buffet is not a person worth listening to.

he has to play to his audience...huh...ok

you see...a funny story.

their was a kid in school acting up.

the kid didnt like the teacher cause the kid felt the teacher was wrong for his approach.

so the kid was about to fail the class because the kid didnt want to listen to the teacher.

a person pulled this young child to the side and told the child "you can either chose to listen or you can choose not to listen, but either way that person has what you want."

that line stuck with me and now ill give anyone an ear and sort thru the message.

everyone isnt a great orator or speaker...most people cant speak in front of others or even want to share.

so for your advice as to me jumping thru a bunch of hoops to get people to be better.....i raised my kids. im not going outta my way for shit...because i got mine. now you can either chose to listen or you can choose not to listen.

as far as those financial people you are speaking about.....why does it matter i they are needs. most come off like that because they are good at what they do but dont have interaction with people. as far as con men....they are everywhere and its usually the ones that know "HOW" to speak to you that take advantage of you.

but i rest my case.

next year we all(those who want it) gonna move into a positive and progressive life