Kyle Phoenix Books 2018

Kyle Phoenix Books June 2018

Thursday, February 15, 2018

Kyle Phoenix Answers: If a poor person asked you ”How can I get out of poverty?", what would be your reply?




You can't.
Not alone. You'll have to form a team of people you don't know from a higher social class.
  • You'll have to commit a form of suicide. Cutting tight ties to family, friends, neighborhoods, mores, most of what you've been taught.
  • You will have to regularly do things that are counter intuitive.
  • You will have to endure mundane, tedious, detailed tasks.
  • You'll have to take an active, directed focused interest and active actions into your life on a constant and repetitive basis.
  • You will have to learn and relearn many things you think you know.
  • You'll have to take 100% responsibility for your life and actions. No excuses, no blaming, no substitutions, I did it, I was there, that was my best thinking then, I didn't know better, I was angry, in love, foolish, intimidated, etc ---you will have to commit to it all even when its not your fault. 100% responsibility and integrity.
  • You will have to look at your life as stages, phases and allot that for periods of time you are setting a general plan of to do and not to do. And that plan is flexible to completion but not in commitment.


The Brookings Institute accurately predicts the three facts that guarantee poverty (living below $20k/$32k as a family of 4) :

1. Not completing high school or only a high school education. I would amend this per Obama's announcement in 2015, that an Associates degree is the adult minimum.

2. Children outside of wedlock and before 30. (with better healthcare and longer lifespans one should optimally put off children until 35--60. Generally you're more mature and you have more time to financially and emotionally prepare. Perhaps by 80 or bad health 60 one might have trouble as a single parent but between play dates, school, other children adults in a modern era rarely have to chase after kids directly.)

3. Lack of wedlock. Two heads, paychecks are better than one especially as a single parent.
There are 12 Paradigms that are affected through Poverty which Is why the other answers are scattered but don't concisely hit on them all:
  1. Mental
  2. Emotional
  3. Physical
  4. Financial
  5. Family/Social
  6. Spiritual
  7. Support Systems
  8. Relationships
  9. Educational
  10. Work
  11. Identity (Race, Gender, Sexuality)
  12. Knowledge of Hidden Rules
I break them out from Ruby Paynes original 8 because there are so many overlapping dynamics. Also there are questions about Payne's work and her assertions that it takes a minimum of 3-5 years working with an individual from level 1 in the above categories to level 5. What her programs don't take into full account are access to Credit , Passive Aggressive Behavior and , Validation and Priorities.

One, credit is available if I have a paycheck, I can lease a $50,000 car, not by maturity and capability levels.  We don't teach in grade school how credit works. A car lease being one of the big financial devils, including payday loans and temp/piecemeal work. Just because you can get credit doesn't mean you can manage it.

Two, passive aggressive behavior. Poor people often learn to mitigate poverty with toxic relationships and relationship choices. So it's difficult to always get an accurate reading on whether a person is poor, gaming system, using all the resources they have available or are sacrificing themselves to jobs, abuse, instability because it is better than a previous situation.

Three, Validation. People of color and poor White people utilize consumerism for ego and Identity Validation. If I have a Mercedes, I am a good, valid Black man in a society that devalues, both my cousin and stepfather/mother did this---same generation, all over 60. They bought Mercedes as a SEE ME I am good enough statement. My cousin could afford it, he was a mortgage broker, married, he and his wife have a real estate portfolio.

My mother at one point could. She even bought a big house that I picked out. Still good. Then she bought my stepfather and his poverty mentality reinforced her Validation desire and corrupted her transition to rich mentality. So they went shopping with millions of dollars until there was none left. Minks, shearling coats, more cars, art, expensive furniture, jewelry, a boutique, a ruined business----they wanted the glitter, the oooohs and ahhhhs and frankly, power from money. But no one worked a job until it was too late.

That seeking of identity validation through objects is why a percentage of people of color are trapped at shitty jobs, shitty relationships, etc.. Car notes, weave notes, expensive cell phones, Louis Vuitton bags, overextended credit. 
This translates back to higher HIV rates, diabetes, shorter lifespans if I'm looking to style rather than grow assets that evolve a community. When threats biological, social, racial come to a community its strength is its assets, not its liabilities. If I owe the bank I can't pay for good doctors, improve the neighborhood, have health fairs everyday; if I own the bank and surrounding businesses, I can shift millions of lives throughout various forms of empowerment and employment.
To get out of poverty:
  • You must create assets.
  • You must limit liabilities.
  • You must save. 

I'm not crazy about 401ks but it takes money off the table pretaxes giving you time to accumulate and decide what to do with that potential $18k a year. It also teaches you to live on less than you make. 
  • You must reinvest in your skills, knowledge, abilities what's starting to look like every 7-10 years.

The financial crisis of 2008 hit the Middle Class in their liabilities, homes bought for too much, jobs that weren't infinite. When mass layoffs occurred as asset based businesses restructured people discovered a hs diploma, ged, one trick skill pony wasn't enough.
  • You must be flexible. Flexible to learn, to change, to grow. You will slowly but surely disintegrate into less and less if you don't.

There's a woman who issues building passes to get into the skyscraper, has done so for 13 years. I just noticed an ATM sized machine that scans your id and issues a pass. Right next to her. I'll try and take a picture. She doesn't realize the moment they plugged in that machine, the counter was ticking down on her. She's a wrap. She's in her late 50s so Social Security will be maybe $1200 a month and she's contemplating retirement at 65. Not likely. Her future is WalMart greeter and serving hot food at the WalMart counter. (The wings are the bombdiggity!) She's spent 13 years not improving her skill set and now the end is nigh.
Poverty is also a cognitive blindness.
You can't get out of a maze blind and hobbling yourself.
20% of the American population will live and die in poverty
40% of Blacks in permanent poverty.
50% of Latinos.
30% of Asians.
50% of Native Americans.
25% of Whites are in and will die in permanent poverty.
No president will save you.
Jesus ain't coming to pay your rent.
But 18% of all in poverty learn the above lessons and get out.

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