Could you survive in poverty? A checklist
_____1. I know which churches and sections of town have the best rummage sales.
_____2. I know where the nearest food bank is and when it is open.
_____3. I know which grocery stores & garbage bins can be accessed for thrown-away food.
_____4. I know how to get someone out of jail.
_____5. I know how to physically fight and can defend myself if necessary.
_____6. I know how a person can get a gun even if they have a police record.
_____7. I know how to keep my clothes from being stolen at the Laundromat.
_____8. I know what problems to look for in a used car.
_____9. I know how to live without a checking account.
_____10. I know how to get by without electricity and without a phone.
_____11. I know how to use a knife as scissors.
_____12. I can entertain a group of friends with my personality and my stories.
_____13. I know what to do when I don’t have the money to pay my bills.
_____14. I know how to move my residence in less than a day.
_____15. I know how to feed 8 people for 5 days on $100.
_____16. I know how to get and use food stamps.
_____17. I know where the free medical clinics are and when they are open.
_____18. I am very good at trading and bartering.
_____19. I know how to get around without a car.
_____20. I know what day of the month welfare and social security checks arrive.
This checklist is from adapted from A Framework for Understanding Poverty by an educator named Ruby K. Payne.
She thinks that middle-class teachers often fail to understand poor children because the rules for survival in the lower class are different from the rules for functioning in the middle class (and both are different from the upper class).
Poor children are often regarded as stupid or delinquent when they are merely following the rules of their world. The difficult task of teachers, Payne wrote, is to teach such students how to function in two worlds—the world of their peers and the world of the middle class.
Could you function in the middle class? A checklist
_____1. I know how to get my children signed up for Little League, soccer, piano lessons, etc.
_____2. I know how to properly set a table.
_____3. I know which stores are most likely to carry the clothing brands my family wears.
_____4. My children know the best name brands in clothing.
_____5. I know how to order in a nice restaurant.
_____6. I know how to use a credit card, checking account, and savings account.
_____ 7. I know how to use an ATM card, and I know where the nearest ATM machines are.
_____ 8. The children in my family expect to go to college.
_____ 9. I understand term life insurance, disability insurance, house and flood insurance.
_____ 10. I know how to get the best interest rates on a mortgage or new car loan.
_____ 11. I understand what a pension annuity is and how it works.
_____12. I understand the difference among the principal, interest, and escrow statements on my house payment.
_____ 13. I know how to help my children with their homework.
_____ 14. If my children have a problem at school, I do not hesitate to contact the teacher or principal.
_____ 15. I know how to decorate the house for different holidays.
_____ 16. I know how to get a library card and how to check out books at the public library.
_____ 17. I know where to go and register to vote and where my local polling place is.
_____ 18. I repair items in my house immediately when they break or I know a repair service and call it.
_____ 19. I use at least two of the following on a regular basis: laptop, cell phone, DVD player, mp3 player, digital camera, social networking site(s).
____20. I know how to use various tools in the garage or basement.
The jump from the middle class to the upper class is as big as the jump from poverty to the middle class. The questions below seem right to me, although I don’t have personal knowledge of upper class behavior.
Could you function in the upper class? A checklist.
_____ 1. I can read a menu in French, English, and another language.
_____ 2. I have several favorite restaurants in different parts of the country or in different countries.
_____ 3. I know how and where to hire an interior decorator to identify the appropriate themes and items with which to decorate my residence.
_____ 4. I know how and where to hire domestic help, including maids, caterers, and gardeners.
_____ 5. I can name my regular financial advisor, lawyer, and barber or hair stylist.
_____ 6. I have at least two residences which are staffed and maintained.
_____ 7. I know how to ensure confidentiality and loyalty from my domestic staff.
_____ 8. I have at least two “screens” that keep people from me whom I do not wish to see.
_____ 9. I frequently vacation in foreign countries.
_____ 10. I fly in my own plane, the company plane, jet timeshare, or first class.
_____ 11. I belong to at least two exclusive, members-only private clubs.
_____ 12. I know how to enroll my children in the preferred private schools.
_____ 13. I know how to host parties that “key” people attend.
_____ 14. I am on the boards of at least two charities.
_____ 15. I know the hidden rules of the Junior League, the country club, and other private organizations.
_____ 16. My personal phone book contains the unlisted numbers of at least a dozen well-known people.
_____ 17. I am familiar with personal security systems and devices.
_____ 18. I have a favorite artist whom I support by buying his or her work (originals, not prints).
_____ 19. I know how to read a corporate financial statement and the stock reports in the daily paper.
_____ 20. I can easily converse about the “best” wines, art, designers, resorts, etc. My clothing, personal items, and residential furnishing were created by the most exclusive designers.
I thank Kate Fleury for telling me about Ruby Payne’s ideas.