5 Ways We Punish People For Being Poor
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- čas přidán 12. 12. 2022
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In this video, Chelsea illustrates just some of the many ways our society criminalizes and punishes people simply for being poor - which continues the cycle of poverty.
Source links:
Lotteries: www.liveabout.com/where-does-...
www.naspl.org/wherethemoneygoes/
www.bloomberg.com/opinion/art...
Fines on misdemeanors:
www.americanbar.org/groups/go...
Predatory bank fees:
www.bankrate.com/banking/chec...
www.cbsnews.com/news/atm-fee-...
Unequal education:
hechingerreport.org/new-data-...
Job application gatekeeping:
www.marketplace.org/2022/02/1...
www.usnews.com/education/best...
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I once got a $500 ticket. I went to court to try and fight it or at least get it reduced. Judge wouldnt reduce it but she said I could so 10 hours of community service and shed lower it to $250. I took it! She told me “ why don’t you just pay it off right now and be done with it?!” I didn’t tell her this but I took it because I made $10 an hour and id have to work 25+ hrs in order to pay it off. Community service was pretty much paying me $25 an hour 🤷🏻♀️
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It is pretty disappointing that a judge is not knowledgable of the discrepancies of being in the lower class and just stayed in his/her bubble... willful ignorant of her surroundings
If the punishment is a fine, then its only illegal if you're poor.
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You should have way more thumbs up with the most obvious comment of yours....what a great 👍😃 deductive response
We can also make the law so that the fines are a percentage of your income. Finland for example has some fines like that
I just LOVE how we are moving towards requiring a PhD and ongoing post-doctoral studies just to be considered for an unpaid internship 🙃
Look up what an adjunct professor makes, we're pretty much there already...
Lmao! THIS!! I graduated college twice in the medical field and I was offered $12/hour 🤦🏽♀️
My PhD advisor (Gabriel Fenteany) and my Postdoctoral Supervisor (Peter Houghton) are the biggest dirtbags to blight the surface of the Earth but I'm not one to hold a grudge :)
What fields does this apply to? I'm ignorant on this because I haven't seen it. Part of that might be because there is lots of internship and job opportunities where I am at.
I'm out of college myself but I'm sitting here wait for higher education and the job market to have a huge reckoning with itself. I wasn't in school that long ago all things considered and I paid out of state tuition which was three times that of in-state tuition. Now at my alma matter the in-state tuition is pretty close to what I was paying back in the day. I simply don't see how they expect young adults to go en masse to these schools when the financials simply never make sense with a job market that's practically crawling on its hands and knees.
Being put in jail because you cannot afford jail sounds like a human rights violation.
How are they billed for their time there?? I just don't understand... Like surely their taxes have already paid towards those services ...??? I just can't fathom it.
And the taxes used to keep prisons afloat are ridiculous. And btw the taxes are constantly increasing. Guess whose overly taxed….,
It is. Debtors prisons were abolished in name only in the early 19th century. Obviously it's still a practice, we just don't call it that.
debt slavery
Welcome to America
Excuse me. Did I hear/read it correctly that some people had to pay "room and board" fees for being in jail? For being in jail? In jail? What kind of absurd nonsense is that? As if being in jail were spending time at a spa. I, of course, foolishly thought such rules disappeared with the end of the Victorian era or only existed in third world countries or under totalitarian regimes. And, what are the "fees" that are being charged for a misdemeanor. How can it possibly cost $390 to collect a $100 fine as given in the California red light example? I was aware of the other issues -- school system inequality, bank fees (also far out of proportion to the actual costs involved), etc. But the insanity of charging people for being in jail is definitely too, too Dickensian to be allowed in the U.S. in 2022.
Welcome to the United States. Everything can be commodified and it will be.
@@Jay-ho9io Sadly, you're right.
Cosmetics may seem like an unnecessary item to steal, but women are required to maintain a certain appearance level. Mascara may seem like a petty theft, but it quite possibly could make the difference in a job interview - even for a retail/food service position.
stealing is also a way of expressing one's frustration. It's better to vent your anger at these petty thefts than yell at the kids.
I'm currently getting my Associates & I have classmates who have years of on-the-job experience who only went back to school because they keep getting shut out of promotions on the soul basis that they don't have a college degree. Companies would really rather spend resources training Tommy, 21, recent UCSB finance grad with zero work experience whatsoever than give Debra, 42, knows the company inside-out & kicks ass at her job, a slightly larger role with marginally better pay - all over an expensive piece of paper.
It's incredibly disappointing.
yep, but you also used 2 different genders if both were guy the non-college might have had a chance. As for females' weather, they got pretty privilege is also something that can give a leg up without it you must have high degrees work 100x harder for the smallest raise were a cute Bimbo can walk in right off the streets be clueless but will start at a decent pay
Yeah at my last job. I begin to make sure that I was not doing any more work than anyone else. That way I didn’t have to suck up any of the Millennial slack.
@@lowtiertactical7701 millennial slack? How old are you?? Do you realize the youngest millennials are getting into their 30s soon? I think you're referring to Gen Z.. regardless though you can't generalize an entire GENERATION with insults. I'm guessing you're gen X or boomer, aka too old to make such a dumb statement. Grow up
Actually, I'm seeing the reverse of this: I see more workers with years of job experience being chosen over recent graduates and those with degrees + job experience outside of those degrees (ex. Having a degree in business administration and job experience as a restaurant cashier). The reason I constantly hear for why is because the person with the degree doesn't have enough job experience in said degree, even when the job itself doesn't require that particular degree - only that the applicant has # years experience doing these particular tasks within the job's scope.
Don't forget lack of public transportation. Owning a car because you are forced to because of no public transportation or crap walkability.
Thanks for checking my Sidewalk Europrivilege.
I moved to a city specifically so I’d never have to own a car. One of the best decisions of my life. Don’t wait around for our consumption-obsessed society to do the right thing…
That’s a good point!
Yeah I get that a lot
In my car-centric, spread out city, many jobs refuse to hire people without cars because public transit is not reliable.
I was todays year old when I learned, that in USA you have to pay for the privilege of sitting in jail.
I'm speechless.
As a Brazilian learning about the US incarceration system for the first time, this is truly shocking. The Justice system is punishing people and their families with jails, fees, fines and unclear penalties with potential impact to ruin someone’s life.
Thank you Chelsea for making such an important video and giving us a chance to learn and reflect better about social inequality.
Thank you, once again, for covering topics almost nobody else addresses. These videos and your coverage of disability in America help me feel less alone.
Good video.
You're not alone, there's more of us around then you think
As an addition to your discussion about the costs of being a "criminal" I think it is also important to note the fines that homeless people are charged for literally being homeless and in encampments. These group of people especially are being penalized for basically existing.
Absolutely.
Denver recently put a ban on “urban camping,” and will charge us houses people for literally trying to find shelter
@@Atmviola Undeniably evil.
That is terrible 😢 absolutely no empathy for people who are already struggling…
We don't have minimum amounts for banks in the UK. Still got overdraft fees...but I'm flabbergasted they charge for not having money in your OWN account!
Costs me $2 [edit: $2/month] if I have less than $500 in my bank account. I think this is ridiculous. My taxes should go toward whatever money the bank needs.
Same, this blew my mind!!
This blew my mind, my bank doesn't even charge monthly handling fee if I don't use an account. And my savings account doesn't even have any fees attached.
I don't understand how they can charge you money for not having money. Also, i purposely keep my current account funds low so that I feel safer; if my debit card gets stolen, they can't do that much damage because most of my money is in various savings accounts. The idea that I would be charged for that is absolutely infuriating to me.
The only time I play the lottery is when I’m under financial stress - the worst time to play. It’s no surprise to me that people in poverty play.
It's not just America, they also treat Canadians badly for being poor and disabled.
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And being Indigenous.
There are too many ways for people to fall out of financial security and not enough safety nets to catch them and help them get back on their feet. All of these things can also befall someone if they get sick. There are so many people out there who one day find themselves with some debilitating illness that makes them unable to work. Then they're confronted with the massive medical bill with no way to pay it. That's essentially what happened to my parents. Now, as an adult, my experience growing up not always knowing if I'm going to have a roof over my head informs my every action. Financial insecurity is my greatest fear and worst nightmare.
Walmart is selling sneakers for $20 but reviews say they feel thin and unfinished. For someone who literally only has $20 to spend on footwear, that is their only option. Those shoes will be trash in two months and they will be forced to buy another crappy pair of shoes. It's so frustrating.
Try thrift stores.
The boots theory of economics. Terry Pratchett.
@@TimEssDub Bingo! In the same section of that book, he points out that the rich get to stay rich because they have to spend less money over time - not just on boots, but on housing (they can live in ancestral homes full of old furniture that was well made and won't break), clothing, food, etc.
That said, the $20 pair of shoes has its purpose. I have an expensive pair of Brookes walking shoes I use for walking. I have a $20 pair of "uniform shoes" from Academy sports I use in the gym. Turns out that walking shoes aren't suitable for weight lifting. The cheaper flatter rubber of the $20 shoes lets me balance better while doing dead lifts and squats than the comfortable but squishy $140 running shoes. The $20 shoes will last a lot longer since they only get worn a few hours a week, whereas I've got to replace the stupidly expensive running shoes every 6-8 months because the soft tread wears out fast.
I hate Walmart footwear. It's almost always made cheaply. Sometimes you find a decent-ish pair at a thrift store. Most of the shoes at my local thrift stores charge $8-16 for their shoes. In my opinion, that's too high for a pair of used shoes. The other tough thing is that you're not guaranteed your size at a thrift. I've always struggled finding my shoe size at thrift stores. I can't really afford to spend $40+ on a nice pair of shoes, so I try to either find stuff on sale online or snatch them when I can find them at thrift stores.
@@Meligwa I bought my son a pair of Walmart running shoes when he was about 7. The shoes were completely wrecked and in the trash before I even had to pay the charge on my credit card!
Thanks for this video. There are a million "poor taxes" that should not exist, yet are a fact of life for a large percentage of the population. I've long known that the criminal "justice" system is pay-to-play, but even as a Missouri resident, I had no clue that we charged prisoners room and board. That is insane. I get that jails and prison s are expensive to run, but the answer is not to charge petty "criminals" room and board. The answer is to incarcerate fewer people.
As an Australian, I can't believe that the US as a population as whole hasn't just revolted against higher government, and big corporations...
Take it from an American - the vast majority of people here are doing just fine. It's woke elites like Chelsea who are trying to gin up dissention by painting American society as being this evil and corrupt dystopia. On the one hand I do find it fascinating the way American white people like her flagellate under white guilt and postulate all of these absurd conspiracy theories about being poor and "marginalized" (despite not being poor themselves). But on the other hand, it's a toxic cult mindset espoused from the left that results in policies that are disastrous and leads people into believe they are victims. It's an utterly trash take on the world that leads to absolutely nothing useful.
I wonder why we don't on the daily
Too busy fighting over if it's the government or big corporations...
It's a good question indeed. Then again, there are, what, 50 countries or more with dictatorships? And you rarely hear about an entire population rioting their government. Probably difficult to do when your life priorities are more revolved around affording food and housing 😶
I have a feeling it’s coming. We were too busy fighting each other. The government and the rich are one and the same and set us up to fight amongst ourselves. Divide and conquer.
I graduated with my undergrad in 2010. The number of jobs that required the degree, plus five years of experience for an entry-level position, was crazy. Then within a few months, they started wanting master's degrees. I started mine, hoping it would get me in the door, but couldn't finish due to the crazy amount of debt I was going into. 10 years later, I finally found a job making $60,000 a year. My co-worker graduated high school and makes the same. Happy I found a company willing to hire like that, wish I had found them sooner. (I had to move to a different state to do it, and I only had the money because of covid.)
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Work from Office is deliberately discriminatory and should require legal documentation for why an employee must be in the office outside of "face time"
It’s incredible how many jobs must be in office simply because other organizations refuse to modernize. I’m currently in an hr/payroll position and the only reason I have to go into office is because the state DOL and IRS insist on mail communications. Many of my team members get to be remote because I scan their mail to them. Being lower on the totem pole/income level requires I go into office even though it costs hundreds per month to commute by train. I bet if we required companies to justify why employees must work in person, they’d be able to do it for the vast majority of “lower” team members and the reason wouldn’t even be internal.
*Standing ovation*
Thank you. The lottery issue is especially relevant to Ontario, which has seen a massive surge in gambling advertising lately. The excuse is “we’re reinvesting in you.”
Omg! I noticed this too, especially apps so people can gamble at all hours from anywhere. :(
A speeding ticket is an inconvenience for a rich person vs devastation to a broke person
💯
A solution would be to make those tickets proportionate to income. Who knows how many rich kids in Porsches could contribute to a raise in state revenue then?
@@alexanderfo3886 I've heard that's what Finland does. Sounds like a good idea to me.
Here's a fun one. The cars poor folk can afford often require more upkeep and many rental properties forbid you from doing your own car maintinance. Even for me, not poor, I have to spend more on vehicle maintinance because I am not allowed to do it myself. Occassionally I'll find an empty shopping center parking lot and try to fit in an oil change before security shows up, it does save about 50% the cost of an oil change. O2 Sensor needs replaced? $100 part that you can easily do yourself, but if you get caught by your landlords prowlers you gotta find a new place, so you spend $300 to have it done at a shop. Has it been 4 months and you need to rotate your tires? Again, take it to a shop and eat the $200.
Landlords take this beyond car maintinance though, i've been sited for tuning up my bicycle on my patio before. Another example is landlords in my area have banned chest freezers on your patio, even though you likely don't have room inside your apartment for a chest freezer. Chest freezers allow you to buy in bulk and do food prep, things that can save quite a bit of money. You're stuck buying low volume higher price-per-oz food.
There's a lot of little things that increase the base cost of living at the lower end.
Landlords are such a cancer on society.
This is so gross.
Not Chelsea accurately discussing school-funding inequities as the problem instead of the "school choice" issue discussed by the Minimalists. 🤣 Thank you for saying what we were all thinking during that episode.
I'm still feeling from that interview, too! Haha! This video is definitely a palate cleanser.
I didn't realize that you had to pay "room and board" for being in jail. Wow. I just looked it up. According to npr, this is allowed in most states.
I FEEEEEEEL the entry level job bit. It's ridiculous that I applied for +50 jobs while being unemployed and I only got five call backs and two job offers, and one of those was for a retail position. Almost all jobs applied were entry level jobs.
2 offers on 5 callbacks isd good
For anyone looking for a decent paying job with low barriers to entry, you might try caregiving jobs, like being a nanny. Nannies need no experience or college, but taking only 1 community college class (free if you’re low income) makes you look like a fantastic choice. Live-in jobs include room and board. If you need references try your hs teachers or cousin you babysat for. Families often look specifically for men to help with disabled children or elderly, since heavy lifting could be involved, but many men are nannies, too. Average wage (CA): $20/hr. If you join an agency $30/hr + benefits. It won’t work for everyone, but if you like children it is fun and extremely rewarding. I’ve been a nanny since I graduated high school and I absolutely love it.
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I can't stop thinking about how low the minimum wage is. I've been in my position for 12 years and am considering making a change because I don't feel that my pay has risen in line with my experience, and I make about triple the minimum wage. $7-10 an hour isn't enough for anyone's time no matter how "low skilled" (hate that term) they are
Also, I have a STEM degree and almost anyone who can read and write at a high school level could learn to do my job. College is 100% a class gateway
I would reconsider your sponsor on this video in particular. It can seem predatory when student loans may be eligible for relief in the next 6 months. I finally got a job out of college and now that that min wage has gone up (not federally but in general) my salary is the same as working at Target. It's ridiculous. The wages have not gone up for people making slightly more and 'raise' I got doesn't keep up with inflation.
I always skip through the sponsor section on each video. Hate them.
Very true. Federal Student loans have a lot of benefits that private loans don't have. The possible $10,000 to $20,000 forgiveness being just one. There is also public service loan forgiveness, income based repayment, and forgiveness after 20-25 years on income based repayment. There is also supposed to be a new repayment plan in the works that stops interest accruing with on time payments.
A more fitting title for this video would be How the poor are manipulated and victimized by society.
I'm all for alternate means to incarnation. And fines. Our criminal justice system needs a massive overhaul
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Wtf, people are charged for the privilege of being put in jail? What kind of a dystopia is this?
The capitalist one, I'm assuming😅
cause you can get stocks on jails... they're private run business
Penal labor is also the norm in the US. Which is another way of saying slave camps. Also so is private prisons, so private slave camps.
Those stories also stunned me
Yeah, I found this wild too.
(1) I'm torn on lotteries. Everybody puts $1 in the pool. A good cause gets $5 million, one lucky person gets $3 million. But the stats on the poor playing the lottery is terrifying.
(2) we don't charge to be jailed in my state. The good news is Zoom has dramatically decreased failures to appear. (Appearing in person is always an option).
(3) totally agree fines and fees doesn't work well. My friend on disability got a $200 speeding ticket (10 over). That's like 1/4 of her income. For other people, it's just the cost of driving the speed of traffic. North Dakota charges $50. A very affordable surcharge to go faster. That said having the whole family on their with their third shoplifting charge is frustrating. They just don't care. And no they didn't accidentally, on camera, take a tag off one item and put it on a different item. They didn't forget they were walking out in 2 or 3 pairs of jeans.
(4) oh god I can't skip ad on a 3 min Christian recruitment ad while typing a comment.
(5) yeah school funding is messed up. Although some of that is the family. But time is money. People with money have more time to read and help kids with math, and in those families education is a given. No one talks about graduating from high school because the mere idea of not graduating is absurd.
(6) Tracking kids starting in middle school is idiocy.
(7) Jobs - don't forget it's not what you know, it's who you know. Having a mother as a lawyer helped me get jobs. Some directly, some just because I was comfortable socializing with them.
(8) I think you underplayed disposable consumer products. But you talk about those regularly.
(9) these days a college degree is proof you are self motivate venough to show up. But it's an expensive way to do that.
(10) how do you feel about massive ad spends for gambling sites during college and pro sports now?
(11) Finally you skipped a huge trap. Means testing is a cliff. Make $2000 more a year? You go from free medical care to $8,000 a year premiums and costs due to needing insulin. (Although the ACA made this bettter, a healthy man can get affordable insurance now - obviously don't have kids or get pregnant. But that's always true.)
Want to get a job on disability? If your savings get above $2000, you lose it for a minimum 2 years. Going back to work is dangerous because if it doesn't work out, you are worse off than having never worked.
/random
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Very nice and well thought out points. Though to be fair the speed limit from Jamestown to Bismarck is 75, so to be going over that significantly you need to be moving FAST, and even if you crash it's not like your going to run into anything except maybe a wheat field ;). As for the education system, yes there is a big difference in just basic access with parents. Rich parents can afford to take the day off to come get their sick kid. They can afford a tutor. They can afford the accredited or Montessori daycare and preschool's, the science camps, and extra sports that allow a child to explore their interests, and pursue potential career paths long before college. This means less time spent jumping from major to major, it means picking the "best" school for your chosen career to start. It means making those connections early, not being hindered by "that college is too far away for you to live rent free at home. We need you here to help take care of the family." It means graduating debt free, and having built up the positive study habits bc as a child you didn't just have books, you had focused attention to teach you HOW to study. The rich kid was given all the building blocks, and able to stack them in stairs to a better future, while the poor kid was given none and criticized for not reaching the same level, and becoming a parent that has few to no blocks to give their own kid.
I know this is late, but do NOT refinance your loans with SoFi if you have federal loans. This is on the off chance student loan forgiveness goes through.
The more I learn about America, the more I'm glad I don't live there.
i thought i had it bad,,,, i mean do but like
As an American I hope to not live here
I'm trying to defect
America is a gilded toilet
If you see someone steal food or diapers, no you didn’t. You didn’t see someone steal food or diapers. Move along.
this tbh
Do not refinance federal student loans if you want to remain eligible for PSLF or IDR plans.
Thanks for that. Refi makes sense for private loans if it reduces the interest rate (thinking about a friend's vet school loans that were at 13% before she refinanced), but is a very very bad idea for federal loans.
This is such an important topic! Thank you for addressing it.
Nobody seeing the irony in doing a paid sponsorship for a company doing a ‘lottery’, while labelling state funded lotteries as ‘exploitation’?
I noticed this too… very disappointing especially for a channel that claims to be careful about sponsorships
So proud to be a TFD member!! Thank you ladies for all this incredible insight❤
I can already tell I’m gonna like this more than the Minimalist convo
I'm usually pretty into TFC, but that was a waste of my time. Talking in circles with no real message.
@@cristinab2263 I guess hyper consumption is a “right” you’re entitled to…as the earth’s resources are threatened with extinction so Americans can shop shop shop shop shop! 🙃
@@juliekswanson I definitely agree with minimalism and use it in my life, but what was more pointless was how they dodged most of Chelsea's questions with vague answers.
@@cristinab2263 Feels like there's a certain irony in them talking so much but saying so little.
I feel like The Minimalists had one great idea and have been squeezing the life out of it ever since. If you watch their interviews/appearances today, versus the ones they were doing five or ten years ago, it's all the same stories, the same messages, even the same jokes. It's so cringey.
Can you please make a video on things we can do to make a change?
As a low income person trying to save money to start a business, one of my primary goals right now is to get both my savings and checking account to a minimum balance of $2500 just to avoid the $18 monthly fee. It seems minuscule, but knowing how much money I would be making off of maintaining a higher balance for my accounts compared to spending the monthly fee makes a huge difference. Growing money when you don’t really have any extra is much easier said than done. Understanding that I can make my “month ahead fund” work for me has been key in getting me out of the paycheck to paycheck cycle.
If you can switch to a credit union they tend to not have those monthly fees. Local credit unions tend to be better too and they have rewards. My credit union has a point system for cash rewards after each swipe of your card & yearly annual payout for using your account ($20/year normally).
100% agree with racer43. Local credit unions tend to have some of the best terms with no monthly fees. But even some of the major banks offer no fees with minimum balances of 1k or no minimum if you have automatic deposits (though I understand these are still huge barriers for many people). I'd strongly encourage you to shop around. Avoid major banks for savings accounts. Use an online bank with a high APY for savings to help mitigate inflation(a little bit at least).
@racer43, @xantrah thank you both. I looked into it and actually learned a lot just by trying to decide what account type will work best for me.
From a low income community. I only knew about AP/IB and honors courses because I had an older brother who found out about it after the fact when he was in school. He encouraged me to go that route once I entered HS, but it was never mentioned by advisors in my middle school.
Maybe not offered in your school my school AP was known about not a secret was for really smart kids offered to those that had the grades. So base on your GPA going into high school your offered certain classes
I don't think they had AP or Honors classes back when I was in school. We did have college prep courses, that were probably the precursor to these. You didn't just need to be smart to get in--I was smart. You needed to be rich enough to afford college, in the advisor's eyes. I never had that. They judged me, and I was directed to general classes, with no option for the courses I'd need for college.
When I went to college, I spent my first year taking remedial classes I should have had in high school. My English 101 teacher told me my grammar was atrocious--though I was an A/B student in my high school English classes. I was two years behind in math, and took a combination course to catch up. I missed science entirely in high school, since both science classes I had in high school were taught by inadequate teachers. Biology was taught by a woman pushing retirement, who insisted we spend 9 weeks memorizing the state flowers! Physics was taught by the football coach, who came in, propped his feet on the desk, drank coffee, and talked with the football players gathered around his desk. He taught NOTHING! We were self-taught, and he'd administer tests when we asked.
Taking the extra year or two for college is bad enough with the expense of 5/6 years vs 4. But it's even worse when you consider that it puts you further behind in career, savings, marriage, and family goals.
I don’t dislike your comment, it just makes me angry … all students should be given the opportunity to challenge themselves and excel
@@mzcain1521 That's not how the world works though. It has always been the rich offer the top education. or the lucky poor person that gets into a rich school/program though charity middle class just isn't important. It also depends how the school gets funded many cases they have an insensitive to have special needs students, so they push to label for that or sometimes its about sports if you want your child to go to a school that priority education look into what programs gets the school funded. If it a inclusive critical race theory best to home school your kids.
@@bunnyboo6295 Critical Race Theory is a course for college graduate studies. Right wing pundits use it as a scare tactic to make people afraid of their kids learning facts about the civil war, slavery, Jim Crow, Indigenous people genocide, and other facts that need to be taught. Please don't fall for them trying to "dumb down" our schools.
Great content as always but as importantly, that top is GORGEOUS!
My daughter is in an alternative school that is so underfunded that it literally gets the discards of other schools. The voters voted to replace five schools’ buildings, including my daughter’s. So there was this other school that got a shiny new building, literally the fanciest I’ve EVER seen and it’s HUGE, almost comically so. The old building was deemed unsuitable for continued use, and so was slated for demolition. That is, until the decided it would be fine for my daughter’s school. Her school was moved into a building that was literally supposed to be torn down. Of course the district claimed these five schools for NEW buildings….
The new school building is on the same grounds as the old school, only the track and all the fields and land are for exclusive use of the new building’s kids. My daughter’s school gets to see what those other kids got.
The district sold the land under my daughter’s previous school building, and literally gave her school the literal trash of another school….
Not all magnet schools get extra funding.
Oh! Another example of fees are the ones tacked on to products like insurance because of “poor credit history” since that’s somehow an indicator of “increased risk”. For example, if an individual has a clean driving and loss history, their auto policy premium with good credit versus poor credit can be the difference of *hundreds* of dollars. There’s so many uninsured people on the roads because they simply can’t afford the insurance but live in cities where not having a car isn’t an option. And if they have insurance they can’t afford, allowing it to lapse or not paying that insurance premium will negatively impact credit too. It’s an unending cycle.
In Greece, some days ago, police killed a 16-year-old Romani boy because he left a gas station without paying 20 euros. At the same time, there are millions of euros in politicians' pockets and they cannot explain the origin of this money. What is the problem with the world we all live in?
Hatred and greed.
This reminds me of the book Animal Farm by George Orwell, where the leaders of the farm preached the commandment: "All animals are equal, but some animals are more equal than others".
Those who are the richest and have political connections break the rules, and only get a slap on the wrist as a consequence. We live in such a corrupt world.
I mean it’s not just that
The Romani do a lot of criminal things in Europe. The gas station thing was the tip of the ice berg.
The $25 average fee if you don’t have $10 K in the account amounts to 3 per cent. If your bank is encouraging you to have a separate savings account, and is paying less than 3%, while you pay checking account fees, you are being ripped off.
I didn't even know what AP classes were when I went to college. When I found out, I felt cheated. I had to spend longer in school than most of the people I knew on my floor.
Or CLEP exams, which you can just study for to get college credit
@@vulpixelful I didn't know about that at all. My poor wallet.
I think colleges try to ignore it so they can charge you more. Some schools won't even accept them.
@@vulpixelful my friend took big advantage of this and tested out of half the necessary credits. This allowed him to finish in 3 semesters.
@@NickVetter wow that's crazy
I was told about AP classes at my large public high school. If you got free lunch like I did they waived the exam fees to get college credit. They also waived fees for me when I applied to instate public schools for college. Everyone had access to AP classes but non-honors students were not encouraged to take them and most the people in my honors/AP classes were white (my highschool was more diverse).
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You had a nicer school than me, I was put into AP classes but unless you had $$$ don't even try to do the for credit tests. Like they would actually waive a fee...hahah that's insane.
@@tjones3393 I wouldn't say it was the school though that was nice. The entire state rolled out free ACT exams to all junior my senior year. My school was actually called a 'failing school' then because of the graduation/drop out rate, old books, etc. I think it's certain welfare programs put in place to help people actually working.
@@tjones3393 Yes I took 4 AP exams over 2 years and passed all didnt pay a dime bc I was getting free lunch. Got 30+ college credits after placing in 300 level Spanish course and passing my 1st semester (4 Spanish courses were retroactively given credit)
These women are doing the Lord’s work for all of us. So proud of sharing a planet with them. ❤
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We don't have minimum balance requirements in Australia and it makes no sense to me why they even exist! Maybe on a specific savings account but not on an everday use account.
There's no way I'd walk around with my debit card if there was $9k on it!!!!
this is also the case here in germany. mostly there is a minimum of the incoming money in the month. you have to earn twice the minimum wage every month in order not to have to pay 10-20€ in fees. meanwhile it should be down to 5€ after laws were passed. until a few years ago, bank accounts could still be closed if the fees were not paid! no money goes in, no bank fees are paid, neither the employer can pay the wages nor can you transfer the rent, because both are legally only cashless!!!
Very well said.
Former call center rep for credit unions here: when you get an account, you are automatically OPTED IN to being charged overdraft fees, which they don't tell you. Same with banks.
You can request to be opted out, so, instead of going negative, the charge is declined instead.
For the lottery what they're really selling is hope. People can't afford a big spend, but maybe that $20 ticket, they can. It's a dream, even if an unrealistic one, that some magical thing will happen and then you'll be rich and able to escape this crushing system of poverty. Those who are poor are often additionally disadvantaged by receiving worse education, less nutritional food, and the constant stress of not knowing if you'll have food/shelter for tomorrow. This stress sends your amygdala into overdrive, and results in your prefrontal cortex not developing well, or being constantly overridden bc of immediate needs. It's a well known fact that you're chance of winning the lottery is basically none, but if you put that $20/week into savings you'd have a good chunk later. But here's the insidious thing. The poor person's brain literally CAN'T thing that far ahead. The long term planning done by the prefrontal cortex is either shut down bc "survival mode", or was poorly developed bc well "years of survivor mode". So what you're left with is a person who doesn't just have the lack of resources to get themselves out, and a system that demands they stay in, but the literal mental capacity to see potential escapes taken away from them before they can even walk. The rich see them as stupid fools, but honestly it's not a choice when you're own brain isn't able to help you out bc your constantly in survival mode. Lottery preys on this inability to realize even if you win your statistically not going to be happier after about a year, and your 10x more likely to be murdered by your own family. It prey's not on a person's greed, but on their desperation for hope. And when a person's only realistic way out of poverty is the equivalent of finding a magic gene, there is something deeply wrong with our society.
This is a great informative video, and this topic is so important! Thank you for posting! I had no idea people are sent to jail and then billed for the time they were in jail! That is insane. The cycle of poverty is no joke, people try to get out of it but society and government are working against them.
In Brazil the lottery is controlled by the federal bank so there's only one lottery and all the money let has to go to either public education or the public health system. It's still preying on the wish of a better life but at least the money is going to a better place
Vc tá falando que o dinheiro ficar com o governo é um lugar melhor? Vc acha isso de verdade, que o dinheiro ta indo mesmo pra saúde e educação?
@@amandacoelho9524 não, não tô falando isso. Eu falei que é melhor ir para um lugar determinado previamente do que para o governo usar em qualquer coisa como é nos EUA. Se o dinheiro vai realmente ou não é uma outra discussão que não é pertinente nesse contexto
Check out TD bank, the minimum is low, fee is $15 if you fall below. I was charged once and never allowed myself to go below the minimum again.
I really appreciate TFD having and sharing awareness about these very real issues. These are important conversations to have that most others in the finance sector don’t have or even seem to acknowledge.
I love your videos, they're fantastic. I wonder, now, I don't study economics when I type this, but how different would the world be if there was a smaller pay gap between managers, business owners, etc. and the 'lowest on the ladder employees' (apologies for the term), than the huge difference there is today. If I recall correctly, historically, this gap was small, but now it has been blown out of proportion. Thoughts?
Ben & Jerrys. Best company out there imo, they have a corporate rule about that gap. The men who founded it wrote a short book on it.
Thank you and just FYI, this blouse is gorg ❤
So good start to the video. Poor neighborhoods are more likely to have a heath hazard adjacent to them. Even better, poor neighborhoods are more likely to be farmed for fines and fees to fund local police violence.
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Room and board? For jail???!! A place you are FORCED to stay, without earning, while also paying rent for a home to go back to... The USA is fucking nuts.
My minds are blown too
Just dropping by to tell you how great your Chanel is 🙏🏻
I lived in Harrisburg, PA for almost a decade. Over that time, I spent a great deal of time in a young professional group devoted to making the place better for work, life, and play. While they had great success with work and play, convincing people to buy housing within the city limits was harder. As soon as people paired up, settled down, and began considering raising kids, the huge majority of them left for the suburbs because of the school ranking disparities. It was very upsetting.
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Zac I’m in York, PA and really appreciate your comment! Some have the “luxury” of just moving instead of getting involved in the community.
I'm from PA and it is incredibly difficult to get anything done up there when there are so many drowning people dragging the one person that can swim down to the frozen depths of hell with the rest of them. Have fun up there.
I had a parking ticket right before I moved, and several times before I moved, I logged on to pay it, but the ticket number kept appearing as not in their system. During the hectic time of the move I forgot about the ticket. Years later, and reregistering my car twice since that ticket, I was applying for a job, and on the background check it showed I had a warrant for my arrest. The parking ticket was over $1,500; from $25!!!! I had to take care of it quick, so I could get that job. They ended up dismissing the whole thing, because I still had pictures on my cloud of how I was parked and I did have a visible permit on my car at the time and the receipt for the permit too. However, for a full dismissal from my record I had to give a DNA Sample and pay the fee of $75 to collect it. This was minor and cause all kinds of issues. I could not imagine having a real issue to deal with.
Wait, DNA? For a parking ticket? I can't believe that's legal. But then again, we slide more and more into dystopia every secobd.
@@snoreproductions My thoughts exactly! High demand for sure! Like I have to do what to take this off my record!😳
Can't do a job I have experience in because I don't have a master's degree because I still haven't paid off my bachelors
making money on poor is not only easy but profitable since there's so many of them and as you said it's so easy to spiral down
My high school didn't even have IB classes and the AP classes were a joke. I always thought IB classes were for fancy rich kids. 😅 it was much smarter at my school to do dual enrollment and take some of the community college courses during high school so you completed your AA when you graduated high school. Saved $ and time for a lot of ppl and I wish I had done it, but, of course, that was looked at as the route for people who weren't "smart" enough for AP (meanwhile I tested into AP and failed every AP exam I took sooooooo). It was all dumb.
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saaaaamee
Do something on trap training contacts
If fines were the only punishment then the law would only apply to poor people.
Somebody mentioned on another comment the idea of making the fines proportional to household income. It makes sense. As it is now many rich people could pay the standard fine and forget the whole thing happened five minutes after sending in the payment. Not only is it unfair to the poor, it also defeats the whole purpose of a fine as a deterrent in the first place. Now, if the fines were set so that they'd sting more evenly no matter what a person's income level, not only would it make it more fair across the board, it would have the added bonus of generating a lot more revenue from those that can best afford it. And if the rich start saying that it's not fair that they'd have to pay thousands for a simple traffic ticket, then the answer would just be that they'd just have to follow the law then, just the same as somebody that would have to miss out on rent, groceries, or medication if they had to pay a $300 fine.
In regard to your banking section, would you ever do a video on Federal Credit Unions? They tend to have lesser or no fees. Mine requires me to keep $25 in a savings account which is a lot less than my bank’s amount. It is only in one account vs the bank having minimums for both checking and savings. Would love to know y’all’s thoughts! 💗
We need to bring back Postal Banking so the poor can have access to banking services without being preyed upon. Knowing Better has mentioned the history of it in his videos on the Postal Service and the Price of Being Poor.
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Big one in the UK.... you have to pay more for your energy bills because you have to pre-pay with a card or key at a higher unit rate than people who can afford to pay monthly via direct debit at an amount fixed by the energy retailer. Yes, you have to do the pre-pay because you are probably living in a private rental and the pre-pay meter was in there before you moved in.
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This is my situation 🙃 I'm trying to save to buy a place of my own too, but my rent is now going up despite my building being a damp mess ✌🏻 and I'm not even poor; I'm a teacher and my wage is pretty decent. But the system I'm loving in is still making it hard to make ends meet, especially before Christmas 😞
When you mentioned these bank minimum balance fees, I thought you had to be mistaken, so I looked it up. That's appalling! I know why banks do this, but still, it's absolutely appalling. I use Ally Bank, and they charge no such fees. I like Ally because I've been treated well at all times, when my daily balance was hovering around $4 and now that it's hovering around $40,000.
$21 million is not a lot of money on a national level. States run lotteries for a share of such a measly payout?
To dovetail, another way the poor are punished for their lack of means is in their food options within their locale. Similar to economic resources within a community used provide for schools on a massively sliding scale, lower income communities tend to draw lower quality grocery stores (if any) and lower quality restaurants (i.e. fast food). While often discussed as far as "food deserts," and the health costs over poor quality food for what is available, what often gets overlooked are the surrounding community growth benefits these businesses provide within a community. This particular lack of growth and support also "feeds" (pun intended) the same cycle of poverty, by encouraging higher quality businesses in this vein to stay away from these poorer communities.
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Australian gov and society constantly attacking welfare recipients but have no problems with mega wealthy receiving tax cuts and gov bonuses 🙄🙄
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Can you do a follow up video on actionable solutions for the average citizen?
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I know the topic is about the US but trust me, seems like we're all living the same life. This ain't that different from the life we have here in the third world 🥺🤧. I worked as a customer service rep for a well known bank in the US a few years ago and each time people had an overdraft the bank would charge them $34. The account users would contact us requesting the refund of the fee which I was more than happy to waive for them however management demanded us to convince people why the charge was "valid" and deny every request for a refund. Just in case of EXTREME pushback, we might be able to return their money as long as we didn't go over the cap management would give us on a monthly basis, anything over it would be discounted from our paycheck. So yeah, that sucked. We were being yelled and insulted over the phone and even though that feels horrible, i can't blame them. We were limited as to what we could do. My colleagues and I were being penalized for trying to help people. Not fair 🥺
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Chelsea, I get your trying to humanize people, but as a poor person, I want more videos to help me get trough this, not about how fucked I am.
I've experienced the poverty in jail bias personally and it sucks. I have just now, after fighting this same issue for literally 6 years, been able to start seeing the light at the end of the tunnel. The only way this happened is I was able to borrow money from a family member to hire an attorney. Thousands of dollars later, I'm finally almost able to drive again, either by the end of this year or the next. (Oh, and drugs or alcohol were NEVER a part of why I had been arrested. Just never had my license and was forced to drive to daily events.)
I had to pay a fine for running a red light the other day - my first and hopefully last time doing that - and had to pay $293. Luckily, I’m at a point in my life where im less avoidant with things like this and actually have a savings that allowed me to pay it in full, but I couldn’t help but think about how devastating this fine would have been to me just five years ago. Yes, I should not have run a red light, but $293? Yes, you can do traffic school but that comes with it’s own fees. It’s predatory.
this hit so close to home. for most it feels like thier whole lives are just surviving from a check to another. unless you have a major leg up in life in the US you are bound to keep on struggling
They charge for jail boarding now?
Wtf? Charged room and board for jail?
Sorry- had to pause this video and take a wild internet reading detour when you mentioned a 'jail board bill'- absolutely mind boggling that some places in the States can do that. It's horrifying how far we've descended into a capitalist nightmare
I live in Australia. I know what it’s like to have absolutely nothing, and I also know what it’s like to have a decent/good amount of money.
I can absolutely say with confidence, that the system rewards money with money.
There are ALLOT of aspects of your life that become ALLOT easier when you ‘have’ money - and those aspects becoming ‘easier’ make it ‘easier’ to accumulate more and more money. It’s like a toxic domino effect.
What I find so disappointing is the way many people who where born into advantageous positions of wealth view the poor. As you said, there is a common conception that ALL poor people are ‘lazy’.
As a society, we need to show a higher level of emotional intelligence and understand the complexity of issues and circumstances that can turn (or keep) someone locked inside of a lower income bracket.
Thank whoever l don't live in the US
Refinance debt in the current high interest scenario? Do you really think it's sensible advice for you to give, even if sponsored, at the very start of your video? 🤔
Me: $24 for nail polish?!?!
You know that reminds me of conditions in my country with poor people. At least two of them:
1. Poor people can't buy some items in normal packages so there's smaller packages version called satchets. These satchets are cheaper however if they are compared with normal packages for same content amount, they are actually more expensive. IOW buying satchets is actually more costly.
2. Poor people can't afford water for their houses so they buy water from local vendors. Just like the above, the cost comparison for this water vs water from water companies is more expensive. To make matters worse, water from the former has worse quality than the latter.
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squid games. we're living in squid games.
wait, bill for jail time? Americans are billed for their time in jail??🤯
The lottery 🤯
Lottery- I'm torn. It's one thing to spend $2-3 every other week, but when your spending $10+ a week on them hoping for that "big win" your better off putting that money in savings
$3 every other week is still $78/year, over 20 years that’s like $1600. It’s not gonna help you retire but it’s a big chunk of change to essentially spend on nothing, in my opinion. There’s nothing wrong with buying lottery tickets for fun as long as really understand it’s for fun and you’re burning money.
I’m not saying that in a negative way, I’ve paid money for CZcams super chats and twitch bits, which is LITERALLY throwing money away. We’re all human with animal brains and sometimes we like stupid things. But you should just be aware of it.
Does America have credit unions that are fairer in terms of monthly charges than “big banks”? If so that is certainly something you should promote. In addition to being slightly harder to access another disadvantage of online banks is that they require a (marginally) higher amount of effort and financial education to use than brick and mortar locations. I have encouraged some of my friends to open online bank accounts who didn’t want to and I later realized they weren’t great fits for online banking. I think credit unions are the happy medium. They have physical branches and will give one a basic banking package for no or minimal fee.
Yes we do have credit union
@@racer4369 I wonder why Chelsea doesn't mention this. She does good work but sometimes I feel there are solid alternatives she ignores.
Credit unions have certain requirements usually. For instance mine requires you work or are related to someone who works at specific companies. You might need to have graduated a particular college or other stuff too for credit unions. It's not always an alternative. It should be, but it isn't.
@snoreproductions okay. Thanks for explaining. There are some of those in Canada, but most simply serve the region around them. I currently do most of my banking through a "big 5" Canadian bank but may join a credit union as I'm looking to get a mortgage for a first house I the next year or two and they may be better to deal with.
a lot of basic items are more expensive in low income areas and spending the extra hour to go to better neighborhoods to buy said items at better service...
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