One word: DEDICATION ✊🏼

*No 1: Don't Only Hope On Government For Income,* *No 2: As An Individual Look For Different Self Income Not Only Waiting on Monthly Wages,* *No 3: Always Save The Little You Can And Think Of What To Do With It When It Become Good For Capital.* *It's 100% Good To Have Different Ways To Gain Income* *Because Government have failed us so therefore let's try and survive*

Yes ! For real It is very important to have different streams of income and a diversified portfolio as for me I have already invested in crypto which is very profitable and easy to gain

Exactly I'm also happy to start investing too than to have my money sleeping in bank

Stocks are good but we have to make the right plans

@Michael Enquist against whites

There's a law from the time that said something along the lines of black people can't live in or even spend time in the homes in certain neighborhoods unless they're a white person's servant

@@hisomeone8276 wow

Oh, there was plenty of unofficial bias at work as well. Real estate agents were discouraged from showing or offering minority families houses in "white" neighborhoods. There was also the practice of "block busting" where one (usually Black, at least in Chicago) family would buy a house in one of those white neighborhoods, sometimes with the help of a shady real estate agent. Then the blockbuster agents would panic the residents with talk of how the neighborhood was "going downhill" and buy up houses on the cheap. These houses were then sold to Black families under a type of deed called land contract, because the minority families couldn't get a loan for a regular mortgage. The problem with a land contract (or contract for deed, as it was sometimes called) is that title to the property doesn't transfer to the new owner until the loan is paid in full. Miss one payment and the contract has been broken and the new owner is out in the street with no claim to the equity in the building and the seller can sell the property again. This led to many homes being sold multiple times by the same unscrupulous owner. School boards would then redraw the school boundaries to keep the Black kids in segregated schools.

actually if I remember right there were some suburbs that officially didn’t allow non whites at least as long as it was legal to do so (mentioned in Adam Ruins Everything on the same topic)

Did you also see the Asian neighborhood? They are the wealthiest group of people in this country. People tend to naturally segregate to some extent and im trying to figure out if you’re pick out a particular race of people and assuming the are all poor?

@@lukerider479 There’s a lot of poor Asian neighborhoods as well. Do you assume every Asian are rich Chinese or Indians? Stop talking out of your ass

@@lukerider479Asian were able to get loans for businesses in black neighborhoods that black wasn’t able to get which took money out of the community all buy design

I'm not either but I learned something nonetheless

So you can understand how rotten humans are.

@@Iffy50 *some humans

So you can say, "Yeah, right", when you hear about American exceptionalism.

It's important to understand the socioeconomic effects of property ownership policy in general

This video is definitely BURGERS propaganda 😂 at 0:21

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Actually Asians and Indians and Jewish people all earn a higher income and own more homes (per person) than white people do. Only AA’s and Latin people have less home ownership/income. The problem isn’t racism or govt policy, it’s the natural effects of EyeCue

TL ; DR = Asians have higher income, less arrests, and more home ownership than either whites or AA’s do. So quit pretending like you’re oppressed. You are the most successful group in the USA today. PS I’m not saying that’s a bad thing, I think it’s an awesome thing to be successful. But own it and stop pretending to be victimized

and this mindset is what keeps people trapped in poverty.

@@jeanpierrerideout7560 😂

@@polygonDust To quote r kelly, "If I just believe it, there's nothing to it". If you believe you are doomed, you will be.

Agreed! Poplar Grove and North Avenue raised. Kudos to your handling of the person with the "mindset" comment. I no longer live in the area, but that doesn't change my roots. My grandma, parents, and most of my family are still in Baltimore. I remember visiting my Grandma's job when I was a kid and she worked in a laundry room. I didn't realize that was one of the few jobs she was allowed to work. I can't imagine going to her now while she's in her 80s and being like..."Oh, redlining is over on paper...some KZfaq commenter said it's just your mindset, Granny." Ugh. 😁

@@mikeyllo A classic example of someone who, instead of listening and learning, has already decided that it’s all in our minds. You can’t help but laugh at the befoolery! And while I love my city, I can’t blame you for moving on.

What's the point in living then? Serious question.

I wouldn't say start, it's more of a midway point. Usually you don't get your inheritance until your parents die, which usually isn't when you're born.

A study showed that only 20% of millionaires today inherited their money. Maybe financial illiteracy is the real problem in 2021.

@@towhomitrayconcern6512 thinking about inheritance in terms of wealth alone is misleading. Let me give you an instance. Warren buffet started investing at age 11. Do you think he was so smart at 11 that he knew the right thing to do, NO! The cumulative knowledge of people around you matters a lot too. Bill Gates is also self made. He attended the only school in his community with a computer as at then. Inheritance isn't financial alone. It's a shame people don't get this. Been born among struggling people makes it a lot more difficult to rise. I'm not complaining just stating facts

@@towhomitrayconcern6512 And I bet these millionaires all went to awful public schools that where chronically underfunded.

Congrats!

@End Censorship! You mean that stuff coming from you??? Man you're really incompetent you've got everything all backwards.

@End Censorship! And the right just wants to control everyone else because they think they're special and Superior when they're not. Discrimination against other people is wrong. The right is the party that wants to discriminate. The right is the party that's trying to take away people's freedoms. And I would know I used to be conservative and then I realized it was a pile of trash. Also there's no such thing as immoral. There is no intrinsic morality. There is however treating people unfairly and that is exactly what you are doing.

You didn’t make excuses. You made moves. Congrats!

Amazing!! I WANNA GO TO A COOKOUT SO BAD! - Julia ; )

Are you factoring in the percentage of the population each group represented? Honest question as I am unaware

@Two Cents This person is a scammer and not the real two cents.

@@bigshoe84 Yes sir. For instance in the southern homesteading act, if you look at the impacts in Louisana, (Whites comprised 79 % of homestead attempts but only 50 % of Louisiana’s population. In Louisiana only 21 % of the homesteaders were African Americans, even though they comprised 50 % of the state’s population in 1870. link.springer.com/article/10.1007/s12114-015-9212-7

“Options” could also fit.

Rich: I've got a million dollars in my pocket. Should I invest it, or throw a hella huge party? I'm gonna invest it cuz I make good choices! Poor: I've got $150 in my pocket. Do I pay rent, or buy groceries? There isn't a good, right choice here.

No, wrong. I made good choices. I also made some bad ones, like buying an overvalued house in 2006 with no money down and 105% financing that went under water in 2008. I also had a lot of bad luck like when I was also laid off and then laid off again in 2010, declared bankruptcy in 2011 and spent the entire decade treading water until finally now in 2021 I’m out of debt (except my mortgage) and making good money. I had ups and downs but now I’ve got life experience and make smarter decisions. I got no help from anyone and My race and gender had nothing to do with.

@@Cheesecakepi I heard it on "Little Fires Everywhere".

@Two Cents Spam alert!

It doesn’t exist anymore and the problem is worse. Maybe there are other factors 🤔

@@A-iv6pg except for it does still exist and you're just incompetent and have your head up your butt

@@A-iv6pg the factors are described in the video, segregation, property tax funded education are still happening today. people still get arrested for their children attending schools not in their district.

@@n_u001 these incompetent piles just want to ignore facts and reality and substitute it with their own idea of facts in reality

@@UlexiteTVStoneLexite where is government housing discrimination at, it is nonexistent if u compare it to how it used to be. Yet the problem is worse

That's great!

I appreciate you made it after so much difficulties but you can't ignore the fact many people in this society are artificially pushed into bad circumstances

@@bloodwargaming3662 oh believe me I do not ignore that people in our past years were forced into bad circumstances. If I would have ended up addicted to drugs or in prison I would just be another statistic. With each passing year it is becoming easier and easier for you to change your family history. At some point we need to take ownership of our own lives.

Affected

@@LegacyFarmandHomestead thank you. Wasn’t sure which one but I was in a zone.

Lol, they were totally biased.

“Apparently” redlining isn’t a thing anymore but the affects of it still persist to this day.

@@ajh.4131 My parents had to fight their realtor to see homes in upwardly white dominated areas. Even though it ended as explicit policy, realtors have unconscious biases towards racially homogeneous communities

IS real

@@Obiwancolenobi yep as long as they're still those incompetent piles walking around this still "is real". They continue to perpetuate it because they want to feel special. And it definitely didn't stop with the removal of this FHA band because other areas still perpetuated it illegally in their own local laws or a secretly while groups are carrying out lending and leasing. This is exactly why we still have undercover operations going around and checking that the equal opportunity is actually being maintained because it's not.

People know it was real but it doesn’t exist anymore and the problem is worse. Maybe there’s other factors 🤔

@@A-iv6pg I really don't think that these incompetent piles think it was real. They want to pretend that it never happened so that they can maintain feeling special and Superior. But then in turn prevents younger people from knowing about this stuff because they want to whitewash history. And yes this discrimination is still a problem today. Investigation teams go and look into the situation all the time.

The thing is the long term consequences of such policies. And the half assed solution of the fair housing act on how was implemented. So yes it doesn’t exist anymore but the damage has already been done. Now we must find solutions to address these consequences.

Asians have done quite well for themselves. They are a non-white community. African communities have also done very well for themselves.

@@jeanpierrerideout7560 they have countries to back them up! Many Asian borrowed money from financial institutions and families members in their respective countries! Black Americans built America for all of us but they only have America. So stop being an ass.

@@JoyFay "Home ownership has historically been a very difficult feat for POC and has contributed to a lack of generational wealth that still hurts non-white communities today". My point is not all POC struggle the same. Thanks for your insight. So stop being a coward and use your real account.

@@jeanpierrerideout7560 Thanks for missing the point of the video. It was about pointing out the racism in housing policy that many don't even know existed. The issue was so contentious in the civil rights movement that the fair housing act was the final act passed and only passed in the weeks after Dr King was slain. To this day, I meet people who deny this history even happened

@@jeanpierrerideout7560 yeah now look up "Model Minority Myth".

@White Wolf just another incompetent person that wants to deny the evidence that is right there in front of them. What do you think the Earth is flat too?

@White Wolf I love how YOU made this political lol. All they did was read legal documents, show statistics and talk about peoples experiences. Somehow you saw the facts and decided it's propaganda lol

@@rendasf98 isn't that just so sad and pathetic? 😂🤣😂🤣 And this is the "facts don't care about your feelings" crowd. Oh man they can't even listen to themselves.

@@UlexiteTVStoneLexite exactly lol. Facts don't care about feelings until it's their feelings that are hurt

@White Wolf oh my gosh you incompetent pile. They literally read the section that they needed to read. there is no way to make that passage sound not racist because it is inherently racist down to the core. You are incompetent. The Earth isn't flat science is real and facts are real.

Yes!

It doesn’t explain what’s happening today. The discrimination doesn’t exist anymore and the problem is worse

@@A-iv6pg yes it still happens today. investigation teams go out and investigate housing discrimination all the time because it still happens today. if you're ignorant and incompetent and have your head up your ass then you're obviously going to miss these things.

Yes! Would love to learn more about black Wall Street!

@@UlexiteTVStoneLexite just because something gets investigated means nothing. Lots of things are investigated doesn’t mean the thing is worse than before. The problem of black house ownership has got worse even though the legal discrimination has been outlawed which was what I was talking about.

I'd argue that many white lenders back then had a racial bias that made non white seen as less profitable

@@tomlxyz they may well have been, but that's just a question of time until the legs are knocked out form under them by competitors who DIDNT leave huge swaths of the available customers untapped.

@White Wolf ummmm because it's not? The discrimination was literally written into laws that we have records of. how is that lies and propaganda when we literally have the evidence right there that this actually happened?? Are you just completely incompetent??? I'm going to go with that one.

@@UlexiteTVStoneLexite there's not enough racism that minorities can claim is keeping them down today so they've gotta keep going in the past to feel like nothing is their fault

@@Mrflowerproductions these sad little people have to just tear others down because they think they are special. They just have to feel special and have to dominate other people because they've got really teeny tiny egos. Isn't it just terrible that these white piles want to make sure that everyone knows how tiny their egos are. They can't handle reality and want to make sure that they hide the past because they want to maintain their "specialness"

@@UlexiteTVStoneLexite Bruh, you’re white. Do u feel like you’re a special protector of minorities?

@@A-iv6pg yes I'm white no I don't feel special protecting other minorities I feel that all people should be treated equally that means all nationalities and genders. everyone should be given the same dignity and respect because everyone is a human being. This isn't about protecting minorities this is about acknowledging that all humans are equal. There's nothing to feel special about that because this should already be a given. that's literally like feeling special that you can tie your shoes or go to the bathroom in the toilet. everyone should be doing this and if you're behind on the game then that says something about you not me trying to do what everyone else should be doing.

there is a book that speaks about it called "The Color of the Law"

@@natyego yup. Read it.

Learned this in high school and college. But I went to school in Cook county. Education differ depending where you are in america.

@@ldubview no doubt

@@natyego amazing book.. I thought I understood it... Then I read that book

Good thing it's all complete BS then.

@@ybergik What exactly did they get wrong? Most of this is very well documented

@@blackmesa232323 A lot of white folks hate the truth

@@ybergik they literally read directly from the laws that were written at that time and showed statistics. I'm sorry that facts and reality are BS to you lol

@@ybergik no it's not they literally showed us the legal documents that allowed this to occur. We have these legal documents and anyone can them so yes this actually happened. You are just incompetent. The Earth isn't flat and you are not special

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+1.(6 0 8) .3 . 0 .5 .4 .3 .8 .9

This also happened in America in the 1800s when states were able to print their own currency and some did so *a lot* leading to vast disparities in the currency values between states. This prompted a national unified currency to be made in the U.S. 😅

Don't forget Medicade. Medicade keeps many people in poverty, especially those with expensive medical conditions that cannot afford their medical care with private insurance

We are left out because we are successful. Asians today, even though we were victims of mass racism and even internment, now make MORE than white people do. We did it through culture. Yes, blacks had it worse, 100%, but until we start addressing the deep cultural issues nothing will change. It has to be a combination of policy and family structure. White, black, red, yellow, everything starts at the home.

@@BobLoblaw1978 I think research shows that Asian American wealth is largely driven by recent Asian immigrants to the US being far wealthier and better educated than the average American to start with, not anything as abstract as “culture”. This is because for a long time Asians were heavily restricted in immigrating to the US due to the “yellow scare”, the same trend that led to Japanese-American internment camps. An old stereotype of Asian Americans is running laundromats. Why? Because before the restrictions on immigration made the average Asian immigrant wealthier, that was the type of job that many Asian Americans were working. Besides, family cohesiveness and wealth are connected- the wealthier you are the less likely you are to get divorced and the more likely you are to face problems directly or indirectly related to money. It’s not family cohesion that determines wealth, but wealth that determines family cohesion. Source: studied sociology.

@@BobLoblaw1978 the person asked for statistics, not myths and anecdotes.

@Michael Enquist I think it's actually likely that is not true, I know plenty of Filipino's that are wealthy

@Michael Enquist I think thats an assumption. The highest earning ethnicity in the US are Indian Americans followed by Jewish Americans, South east asians also earn very highly.

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@White Wolf so history is now propaganda? You people need to get your head out of your asses.

@White Wolf sounds about white smh

@End Censorship! Another incompetent pile of trash

@White Wolf we don't like piles of trash. I mean trash kind of tends to make the area look bad and we're definitely looking at trash here.

@White Wolf you keep using that word I do not think it means what you think it means. Actual facts and evidence are generally not propaganda. Propaganda is usually false information. These laws were actually written into our federal documents therefore they cannot possibly be propaganda to expose them because these things actually happened. You are really incompetent and don't understand words.

Please provide an explicit example of systemic racism today in 2020 so I can show my family.

@@jeanpierrerideout7560 This video.

@@qwerty_and_azerty FHA won't give loans to black people today in 2020? I had no idea.

@@jeanpierrerideout7560 FHA had explicitly racist policies in the past, which led to systemic wealth inequality in home ownership. As the video explained, even though those policies have stopped, property is worth much less in black neighborhoods even to this day. Since even to this day, public schools are funded through local property tax, a poorer neighborhood gets less school funding which directly translates to worse education, and the effects spiral out from there. All this is explained in the video. Given this systemic racism of the past by FHA, the correct policy in the present would be to fund schooling equally, regardless of neighborhood wealth. But that isn’t the present policy, is it? The present policy explicitly mandates unequal funding. And it’s Black communities that overwhelmingly get the short end of that stick. But, see, the present policy is clever, because it can avoid mentioning race explicitly. Instead, it uses the explicit racism of the past to continue being implicitly racist in the present. Hopefully that’s a clear enough example for you. Present day systemic racism is often, as in this example, implicit. A surface level examination won’t necessarily reveal the issue until you dig deeper, often by examining how the present policy interacts with historical trends. Cheers!

@@qwerty_and_azerty What do non-black Americans gain by keeping some black Americans poor?

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Yeah, they're missing the Percentage growth over the 60-90 years they were denied. So much growth potential denied :(

About the same as it is today. Inheritance does not last forever. As it is said, “shirtsleeves to shirtsleeves in three generations.”

@White Wolf trolling, shouldn’t you be on a white nationalist channel.

@White Wolf just another incompetent person that doesn't understand facts and evidence. The Earth isn't flat and science is real and evidence is real.

@White Wolf you really are that incompetent. They showed us the law that created this problem. It was written in our federal laws and you want to pretend that this didn't happen. It did and you are incompetent. I don't expect you to understand anything because you are incompetent.

@White Wolf the Earth isn't flat dude and you're not special. Yes science is real and you don't know anything because you are incompetent. These laws were written into our federal laws. We have the documentation that shows that this happened and you are incompetent because you don't understand that.

@White Wolf did you even watch the video? They literally listed facts. The description of the video has sources too. You continue to show that you didn't watch this video with an open mind. You weren't even willing to listen to facts because they didn't fit your narrative. Do your research. Everything they said is 100% true and backed by facts

Yes please. I second this

@Two Cents Did you guys get hacked?

If you feel so strongly, why not do something about it yourself?

@@Asharra12that's not actually their account, click on it and you'll see it's an impersonator

Agreed. I honestly love the Native American culture!

I'm from the Caribbean, the takeaways are the same just use what's applicable to your country's financial systems. There's housing segregation in England too.

Yeah I totally agree with you on this

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Hispanic people are hard workers

They have less inheritance because they have higher number of kids, therefor each individual has less of a chance to get a good inheritance than one that has lower average of brothers and sisters.

Hispanics have strong community ties so they do better, the culture of the "black americans" was destoryed long ago. Compare native black to african immigrants and you will see the major difference is lack of culture.

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Seriously, you think the "Defund the Police" issue got people uncomfortable? Just try to open up their school zones, even a little bit.

Completely agree!

Funding for schools needs to be a state thing and not a local thing. Every school should be getting the same amount of funding. This would greatly improve the school situation if we just actually took all the money from the state and divided it up equally across every school. If schools in wealthier areas want to have more money than cool they can do fundraisers from their local city on top of it but at least give every school the same chance.

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Cultural differences such as valuing education, family, and self-responsibility. -My college educated Black father

www.facingsouth.org/2017/02/how-civil-rights-movement-opened-door-immigrants-color Don't have figures on hand but I can guess a plurality if not a majority of asian americans were able to immigrate because of the immigration act of 1965, itself built upon groundwork laid by the civil rights act and african americans.

Typical "pull yourself up by the bootstraps" argument. Hard work and ambition are important, but when's the last time an Asian was systemically discriminated against? In fact, Asians have "model minority" status, as white racists aren't threatened by them and some Asians hate blacks just as much.

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And of course if you give to much money to your children when you are alive, your children have to pay the taxes while you are still alive. I think you only can give 100 000 € over a 10 years period not to pay taxes, so you can do all the gifts you want at Christmas of birthdays, but not to much expansive cars and definitively not a house or a business, or taxes have to be paid.