You really are spouting complete bollocks. You are setting yourself up as some expert in poverty for all demographics. The reasons for poverty are not as simplistic as you make out but please dont forget to finish off this thread about telling us how you were born into poverty but through hard work and sacrifice you are now financially independent. Dont forget the tried and tested talking points of how you raised a family, worked 40 hours a week and went to school full time (all true hannity message-board anecdotes from other posters in the past) all while maxing out contributions into your 401K each year and flipping houses.