Escaping Poverty’s Penalty Trap

If you live in a neighborhood without affordable grocery stores, you pay higher prices

or spend extra time and money traveling for necessities. When you’re poor, everything takes

longer. Everything is harder. And time, once lost, never comes back.

Now, this all sounds bleak. And it is. But understanding

this math is the first step toward escaping it. Most financial advice tells people to

chase returns. Invest here. Grow there. But when you’re struggling,

the best return isn’t in the stock market. It’s eliminating penalties.

Paying off high-interest debt is a guaranteed return. Fixing small problems before they become