text: I'm in favor of having money management taught in school, I just don't think that will make much difference in the number of people who are homeless. I think poor people are often better money managers than the middle class, because we have to be. I haven't noticed that educated, middle-class people are particularly good money managers. Too many are living at the limits of their income, not saving, and running up a lot of credit card debt. They're getting out of college with tens of thousands of dollars of student loan debt.
  
  http://to.pbs.org/1U0ZyOX
  
  In the mid 1990s I read "Your Money or Your Life" and used their system to get my expenses down. I also got rid of my car, which was costing me around $100 a month to keep on the road. That allowed me to save some money to help when I was unemployed, because unemployment is not enough to live on.
  
  The main problem for poor people is that often we have no good choices. Low wages and high rents are killing us.
  
  http://amzn.to/2pPCWsf