I guess you don’t understand how things work outside of your circle. They’re not software engineers on ridiculous salaries. Lots of people live day to day, not knowing where their next meal is coming from, never mind prepping a huge stockpile for storm events, or being able to spend thousands moving elsewhere & being able to afford said move/rent elsewhere/get work etc.

People’s biggest problems are mostly not how to pass a FAANG interview.

I can answer this as a dude that started off life at 11 homeless and went from there. Live in unquestionable poverty along with your support network of $4000 a year earners? Or take a bus to any random American city and get ready for your how many days can a green recruit last in Nam scenario?

>green recruit last in Nam scenario

How is it any different where you came from? Once you become a teenager the gangs and predatory "adults" start closing in on you to either join/serve or be an outsider they abuse for amusement.

I say this from similar situation as you but I was 16. Much easier since I could legally work in restaurants (which is what I did). I have no idea how you would make it without the ability to work. I'm not saying that I want anyone to go through what I or you did. However it was blindingly clear to me even as a child that staying was equal to dying. I don't see how these people stay in these places having been there myself.

Someone posted the average income at pine ridge is <$4k. You can work for minimum wage for almost a 400% increase in income by leaving.

Where are they going to go where they won't be at a severe disadvantage due to racism and lack of both money and connections?

Yes they’d be at a disadvantage. Wouldn’t you still make that choice? Why would you voluntarily stay in a place so poor? Can it really get any worse?

Anywhere else. You make it sound like racism is bad enough to keep them unemployed

> Where are they going to go where they won't be at a severe disadvantage due to racism and lack of both money and connections?

Mexico. This people needs the wisdom of a Mexican coacher.

Thriving despite racism, lack of money and no friends in town, but with a golden document of fully legal citizenship and speaking the same language? Yep, Challenge accepted.

I think the problem gets much more complex, and I would assume that moving from pine ridge (and similar places) - one would find that their rent increases more than 400%. I am assuming that living there grants access to transportation in some regard, as well as community mentors that help with how to live and what can be done when something tragic happens. Moving is more than the cost in dollars to get from point A to point B - and living somewhere in the states could yield a worse life for people even if they suddenly increased income by 400%. Last report I saw listed 8 counties (?) where you could pay rent on minimum wage (?) - I think it was a few in New Mexico and western Oregon - not sure this is still true - but you may need more than a job and rent if moving to these places - cars and other things may be necessary. I also don't know how many people could move to these last few places before all the available housing was taken and prices go up, and all the basic jobs are taken and people start working under the table for less, bringing the average wage down. The shortage of housing in this country is crushing so many, and that's without the other tough things being considered.

What about doing the opposite and going back to how they lived years ago, hunting and fishing, traditional housing.

I'm guessing however that the reservation was put in the most disadvantaged place for doing such traditional activities. A prarie is useless without it's bison. And bison are probably a protected species.

Many would call that poverty or subsistence but many long for it. It may be romanticised but it seems like the essence of life. Heimo Korth (?) In Alaska been doing it for 40 odd years.

For the same reason they cannot stockpile.

Moving is very expensive. Then how can they afford rent in a more expensive area? How will they find jobs?

We even have the first Gen Z Congressperson being rejected from housing due to low credit score, despite the fact that his salary as a future Congressperson is a known six-figure value.

Once society has deemed you too poor to be useful, it is hard to escape that designation even if you make it out.

Your salary has very little to do with your credit score.

Length of history + history of repayment.

Doesn't credit score also incorporate depth of payment (not sure if that's the term, but a history of paying back a large debt)? A financial adviser once told me, when I was three years out of university and had finished paying off my student loans, that my credit score was good (I'd paid off minimal bills ontime on credit cards for years and paid off a used car and student loans) but not deep - I'd never taken on a mortgage or any other high five-digit or six-digit debts.

So, though I'd been responsible for a long time, it didn't count like it would have if I'd engaged in a lot more borrowing. Problem was, I valued being debt-free sooner for the flexibility it gave me.

After all, look at the etymology of mortgage - mort gage (old French), literally "death pledge". Thanks, but I prefer life without that kind of constraint.

And if one is born into generational poverty, in a place highly dependent on government intervention, its probably really hard to access the mindset and opportunities for education and entrepreneurial examples that could start to break the poverty trend.

You are correct that history of repayment helps the score. Someone who borrows $5 once and pays it back once is less trustworthy (from a credit sense) then the person who borrows $5 every month and pays it back every month, as odd as that feels in the abstract.

Credit scores are intentionally a blend of elements. Generally the advice is to make one or two small credit purchases a month and pay them back - just enough to show consistent mild activity. Some people like using gas for this since credit cards are more fraud protected, but that may or may not be a "small purchase" for you.

When we talk about poverty, we want to seperate out the individual case (Bob is broke) from the group case (Mary's tribe is broke.) Fixing Bob's problems looks very different from fixing the tribes problems. (That doesn't mean the root problem is unrelated.)

Financial literacy education is unfortunately overrun with scams.

Of course, but also it is a little ridiculous that someone with $170k+ salary is totally unable to rent at most places due to automatic credit score rejection, despite pretty much everything being below the rule of thumb for rent and salary.

I have a relative who has generally been in and out of debt. Occasionally, she convinces someone in the family to give her a cash infusion - enough to clear the debts.

She goes back into debt right after.

In her youth, she didn't make much. She has since become a skilled professional though and now makes a very good salary.

She is still in debt.

I have friends who make mind boggling amounts of money and also have amazing debt. As they have made more their debt has gotten worse, not better.

A credit score says whether or not you have paid back your debts. Making more money does not fix the broken behavior - it often times makes it worse.

At the same time, being unable to rent an apartment in DC as a Congressperson effectively cuts out people who were, or are of, a certain income strata from ever serving as representatives and Senators. Is that actually desirable?

No. They can commute from Maryland or Virginia like everyone else.

Biden, when he was VP under Obama, commuted back and forth to Delaware on the weekends still.

Those states, and pretty much every state, also have apartments that run credit score checks.

Yes, and you can still get housing with a bad credit score, you will just be getting less expensive housing.

It’s a reservation and they’re the natives there. And the average is quite young, so I think everyone who can escape does (which can harm the remainder in other ways).

I spent time in ND, SD and MN matching online and phone wagering with receptive reservations. IMHO if you want to escape the res you gotta go far far away. Think 1000 miles. The racism in the Midwest is so entrenched that they solved the who!e uncomfortable mingling with people you hate thing by COMPLETELY excluding natives from society. The amount of times I saw natives bounced just for walking in to a bar in Fargo was disgusting. Its just assumed by race they are drunk, poor, vagrant and violent.

This also happens in Montana and around Four Corners, wherever there are reservations and non-native Americans mingling. The old bias against drunken Indians rears its head. Local characterizations propagate the narrative that the reservation is full of lazy drunks, dopeheads, or abusive and combative individuals.

I was able to work with members of the Ute and Navajo tribes in Four Corners years ago when our company worked on reservation lands and was required to hire a percentage of local laborers. Those guys worked as hard as the rest of us out in the July sun down in the hot canyons. They laughed at and with each other poking jibes at each other since their tribes were traditionally not allies. It was all good-natured ribbing and I'm sure they knew each other or of each other before working with us. They worked the length of our contract in the area and had few issues with attendance or effort.

Local whites always talked down about the natives but I found them to be as dependable as Mexican and central American immigrants (legal or otherwise) that I worked with in Texas and other states. These people needed jobs and were willing to work to keep a job and the quality of their efforts was on par or better than the quality of local labor.

In contrast, our company cycled through local non-native help. Many of those people appeared and worked long enough to earn a paycheck and then disappeared. Some even played the employment game where a group of friends hired out to each of the three non-local companies and on any given day your rolls would show all of them working with one of your crews, some of them with one of your crews, or none of them with your crews that day. They went where they thought the best pay opportunity of the day would be and had a friend sign them in where they were expected to be so they could earn a check there too. This went on for weeks until one of our crews had a problem in the field and in the process of sorting it out and looking for a scapegoat, they went through the rolls of potential crew members who should have had responsibility and discovered that several people listed as being present and working did not show up at all.

Since the three companies were in the same business and everyone knew everyone else our party manager had a talk with the other guys and they compared employee rolls and discovered all the overlap and the system of sign-ins. All of those people were fired immediately when they showed up for their next day's work. These were ordinary white guys who all lived in that area.

If someone doesn’t have the money to stock pile some food and fuel do you think they can afford to move?

Bus fare, then a homeless shelter until you find work in your new city?

Are you seriously advising them to leave their home to become homeless in a place they know nobody ?

So fight for space in a homeless shelter. Get robbed the days you find a bed. Get robbed or stripped of everything by the cops the days you don't and have to sleep outside. I've never been in the situation, but accounts from people who've survived it are a search away.

It's that easy folks!

Where do you want them to go? Rapid? Chadron? Scottsbluff? These aren't places with a ton of resources either. It's not like they can just pick up and go be homeless somewhere with good services at the cost of bus fare.

Places won’t employ you without an address. Homes won’t be rent to you without a job.

imagine a ghetto but instead of being in a major city like Venice it is 1000s of miles away from any real economic opportunity.

Thousands of miles? Check a map.