<prompt> Human: Just curiously, all the PF books and informaiton out there seems to be geared toward middle class and upper middle class people. Is there anything out there that is geared toward actually helping someone who is poor and in a broken home no support to become stable?It would cover the same principals but use examples more relvant to poor people, for instance assume you have 500 to put down on a car, a decent job, but no support if your car breaks down... Should you buy use or new? I figure the bulk of the lessons would be about PF in the light of risk management.  <response>: The basic principles should be the same. However, you may not understand poverty.I already see a problem with your thinking: the car loan example assumes a low income person has credit good enough to enable them to get a loan. Many dont, which helps keep them trapped in poverty. They resort to buy here pay here lots where interest rates are max allowed by law, cars are sold with inflated values, and the lot is really good at doing repos. And when payments are huge on a clunker, the moment it breaks the owner wont have the 300 to keep it running. They wont have a credit card much less a rainy day fund. So they call out of work a few days since they have no transportation. Now theyve lost their job. The truly poor people cant do loans of any kind. So you need to structure your plans around that. And theyre least able to afford the loans they can qualify for. For example many states allow payday loans: very short term unsecured loans. Theyre charged the max interest rate and a bunch of other fees. Its extremely easy to be in a situation where its impossible to pay back.And if theyre living paycheck to paycheck, telling them to put x of each paycheck away is a bit frustrating to them. How do you put anything away when youre deciding if you pay the heat bill or buy food? Do you buy your prescription medication or do you have gas to get to work? 