Auto-park has no common sense.

Many readers could not get beyond three words in the title of my last story:

Why you are poor, and what to do about it.

So they missed the point.

According to the dictionary, poverty is about shame, not vulnerability.

poverty : the state of one who lacks a usual or socially acceptable amount of money or material possessions

Real poverty is about vulnerability.

What would happen to you and your family if:

Housing prices in your area dropped by half?

You did not work for a year?

Someone in your family needed an expensive medical treatment?

Food and fuel prices went up several multiples and your salary did not increase?

You pay for your children’s college education?

Your government pension or entitlement is dramatically curtailed due to insolvency or uncompensated inflation?

More than one of these scenarios are quite possible for most of us. Think about the effect on you and your family. If it would be devastating, then you are vulnerable.

You may have been lulled or cajoled into buying a socially acceptable car or house or wardrobe, while making yourself vulnerable at the same time.

People are made vulnerable when:

housing prices are driven up by fake, easy money

employment is tenuous

the health care and higher education industries are extortion rackets

governments and corporations are vulnerable to interest rate shocks

Our vulnerability is a natural condition in the USA.

Most of us are poor. The first step to a solution is to accept that you have the problem.

The second step is to understand how the financial system really works.

It is vitally important that you do something with your money to make yourself less vulnerable. Perhaps now you are ready to read this: