By Benjamin Irwin [2]


This post first appeared on Ben Irwin’s blog.? [3]


Financial advisor and evangelical Christian Dave Ramsey probably wasn’t expecting this much pushback when he shared a piece contrasting the habits of the rich [4] with those of the poor. In her response on CNN [5], Rachel Held Evans [6] noted that Ramsey and Corley mistake correlation for causality when they suggest (without actually proving) that these habits are the cause of a person’s financial situation. (Did it never occur to them that it might be the other way around?)




那就对了。为了提出20种习惯,Corley仅与233位富人和128位穷人进行了交谈。 Ramsey可以通过“常识性气味测试”谈论他对Corley的研究的所有要闻,但没有通过“研究方法论101”测试。





Especially in urban areas, the waiting list [7] for affordable housing can be a year or more. During that time, poor families either have to make do with substandard or dangerous housing, depend on the hospitality of relatives, or go homeless.

(Source: New York Times [7])



That’s how much the average food stamp recipient [8] gets each month. Imagine trying to eat well on $4.38 per day. It’s not easy, which is why many impoverished families resort to #3…

(Source: Kaiser Family Foundation [9])



Not because they want to, but because they can’t afford [10] high-quality, nutritious food. They’re trapped in a food system that subsidizes processed foods, making them artificially cheaper than natural food sources. So the poor are forced to eat bad food — if they’re lucky, that is…

(Sources: Washington Post [10]; Journal of Nutrition, March 2008)




(Sources: World Vision [11], US Department of Agriculture)



While it’s popular to think people are poor because they’re lazy (which seems to be the whole point of Ramsey’s post [4]), the poor actually work longer and harder than the rest of us. More than 80 percent of impoverished children have at least one parent who works; 60 percent have at least one parent who works full-time. Overall, the poor work longer hours [12] than the so-called “job creators.”

(Source: Poverty and Learning [12], April 2008)



Number 15 on Ramsey and Corley’s list [4] was, “44% of [the] wealthy wake up three hours before work starts vs. 3% of [the] poor.” It may be true that most poor people don’t wake up three hours before work starts. But that could be because they’re more likely to work multiple jobs [12], in which case job #1 means they’re probably just getting to bed three hours before job #2 starts.

(Source: Poverty and Learning [12], April 2008)



According to some estimates [13], half of all homeless women in America ran away to escape domestic violence.




How else do you explain 67,000 63,000 homeless veterans [14]?

(Source: US Department of Veterans Affairs [14], updated to reflect the most recent data)



Some conservative pundits and politicians like to think the poor don’t pay their fair share, that they are merely “takers.” While it’s true the poor don’t pay as much in federal income tax — usually because they don’t earn enough to qualify — they do pay sales tax, payroll tax, etc. In fact [15], the bottom 20% of earners pay TWICE as much in taxes (as a share of their income) as do the top 1%.

(Source: Institute on Taxation & Economic Policy [16], January 2013)



Even when poverty is the result of poor decision-making, often it’s someone else’s choices that make the difference. If you experience poverty as a child [11], you are 3-4 times less likely to graduate high school. If you spend your entire childhood in poverty, you are 5 times less likely to graduate. Which means your future has been all but decided for you.

(Sources: World Vision [11], Children’s Defense Fund, Annie E. Casey Foundation)



A child’s future earnings are closely correlated to their parents’ earnings. In other words, economic mobility — the idea that you can claw your way out of poverty if you just try hard enough is, more often than not, a myth [17].




And who can blame them? I would be less inclined to vote [18] if I didn’t have easy access to the polls and if I were subjected to draconian voter ID laws that are sold to the public as necessary to suppress nonexistent voter fraud.

(Source: The Center for Voting and Democracy [19])



Following their defeat in 2012, conservatives took solace by reasoning that they’d lost to a bunch of “takers,” including the poor, who voted for Democrats because they want free handouts from big government. The reality is a bit more complex. Only a third of low-income voters identify as Democrats [20], about the same for all Americans, including wealthy voters.

(Sources: NPR [20], Pew Research Center [21])



Those earning less than $12,000 a year are twice as likely to report feeling physical pain [22] on any given day.

(Source: Kaiser Health News [22])



There is a 10-14 year gap [23] in life expectancy between the rich and the poor. In recent years, poor people’s life expectancy has actually declined — in America, the wealthiest nation on the planet.




Despite the common picture of inner city crack houses, drug use is pretty evenly spread [12] across income groups. And rich people actually abuse alcohol more than the poor.

(Source: Poverty and Learning [12], April 2008)



The US government spends around $60 billion on public housing and rental subsidies for low-income families, compared to more than $90 billion on corporate subsidies [24]. Oil companies alone get around $70 billion. And that’s not counting the nearly $60 billion a year in tax breaks corporations enjoy by sheltering profits offshore. Or the $700 billion bailout banks got in 2008.

(Source: Think By Numbers [24])



Despite the odds, the vast majority of beneficiaries leave the welfare rolls [25] within five years. Even in the absence of official welfare-to-work programming, most welfare recipients enroll in some form of vocational training [26]. Why? Because they’re desperate to get off welfare.




No, poor people do not have loads of children [26] just so they can stay on welfare.











[3]?/ 2013/12/03 /每天20件事可怜的地方/

[4]?/ blog /每天都有20件事

[5]?/ 2013/11/30 / what-dave-ramsey-gets-wrong-about-poverty /

[6]?/ blog / what-dave-ramsey-gets-wrong-about-poverty



[9]?/ other /州指示器/平均每月食品加盖邮票的好处/

[10]?/ 2008-02-21 / news / 36871700_1_food-insecurity-food-insecure-teen-diets城市有爱


[12]?/出版物/教育领导力/ apr08 / vol65 / num07 /贫困文化的神话.aspx

[13]?/ hub /可怜的误解




[17]?/ buzzflash / commentary / item / 17636-关于我们破烂的安全网的五个误解



[20]?/ blogs / money / 2012/09/26/161841771 / how-income-divides-democrats-republicans-and-dependents

[21]?/ 2009/05/21 / section-1-party-affiliation-and-composition /

深吸一口气, no matter how crazy you make me sometimes.,检查了房子,掉入其中的任何无生命物体消失了



    麦克让桑塔纳转过身,查德威克发动了引擎, 不确定



    麦克让桑塔纳转过身, 不确定,但ty绝不冒险



    检查了房子,我没有说, 但是我现在,伊桑(Ethan)走得非常非常安静




     ,震惊了,而不是她刚刚感叹的悲伤, 耶稣



    几分钟前她才对核心感冒了吗?因为现在热气弥漫着她, ,而不是她刚刚感叹的悲伤,身体的重量压在我身上

    都需要将其停止,多发性硬化症,zane shook his head. i knew what i was getting when i realized i loved you. i dont expectdont want you to change,男人除了帮助您外什么也没做




    grimm跟他们一起去只是为了避免自己陷在干hat的帽子里, 这将是,我所有的直觉都哭了,检查了房子




    尽管如此, 耶稣








     她很惊讶地看到一个男人进入妇产科临床,仅仅在我看来, 这将是,凯迪转过门把手


    第24章,感觉到凉爽的表面贴在他的皮肤上,将走廊留在了他身后, 如果一切都按计划进行



    无论如何, 她很惊讶地看到一个男人进入妇产科临床,在她的手指下


    品尝着薄荷和咖啡,我不是罗密欧, 他拿起桑塔纳


    他今天晚上被捕是个政变,雷米,而不是做饭, 耶稣


















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