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Does Anyone Have Privilege Any More? The Answer No One Is Ready To Hear

June 5, 2025 By Teri Monroe 1 Comment

What is privilege?
Image Source: Pexels

When you think of privilege, you probably think of someone who has been fed with a silver spoon. We use it to describe everything from race and gender to wealth and education. If you have invisible advantages, you’re privileged. But does privilege really exist anymore, or are we all just trying to get by? Has privilege disappeared among economic instability, political polarization, and cultural fragmentation? The answer is yes, but not in the way we are accustomed to.

Is Privilege a Thing of The Past?

In 2025, as inflation eats away at middle-class stability, job markets are reshaped by AI, and even the wealthy grapple with climate anxiety and social unrest, some ask: Does anyone actually have privilege? The uncomfortable answer is that privilege hasn’t disappeared. It’s just become more layered, more hidden, and more complex than the culture wars allow us to admit.

Thinking about privilege is often ignored today. Many of us don’t have this conversation because of fatigue. We’re so tired of hearing about privilege when we are struggling. But it’s important to get to the truth and not look at privilege as a dirty word for someone who has never struggled in life.

In fact, the very idea of privilege has been politicized, weaponized, and oversimplified. People hear the word and shut down because they associate it with blame or guilt. But privilege isn’t always something you choose — it’s often just something you were born into. And acknowledging it doesn’t mean you haven’t worked hard.

The New Privileged Class

So who is the privileged class? Maybe it’s just people who haven’t endured as much hardship. It’s not to say that they have avoided the chaos of life altogether, but have struggled less than some. Privilege today can look like having access to private insurance and good health. It can be a college degree with no student debt. It may even be citizenship in a country that has a strong democracy and no war. Maybe for others, it looks like having a stable job where you can afford childcare.

It could even mean something as simple as generational wealth, like having parents who could help with a down payment on a home, or who didn’t pass down debt. In today’s world, even time and mental space are privileges. The ability to plan ahead, rest, or pursue personal growth is not universal.

Respecting Each Other’s Experiences

We shouldn’t write off each other’s experiences and situations. Just because someone is privileged in one area of their life doesn’t mean that their experiences aren’t valid. No one today is privileged in the same way we once thought about it. Maybe only the ultra-wealthy are truly privileged. In reality, the middle class has all but disappeared in the US, and we all struggle to some extent. Ignoring privilege doesn’t eliminate inequality. But reframing the conversation may help. When we truly walk in each other’s shoes, we can find common ground and understanding.

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5 Hidden Barriers That Quietly Punish the Working Poor

How Unique Apps Can Streamline Your Personal Life and Business

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: middle class, privilege, wealthy class

5 Hidden Barriers That Quietly Punish the Working Poor

June 3, 2025 By Teri Monroe Leave a Comment

Why the working poor are stuck in poverty
Image Source: Pexels

In 2020, 37.2 million people, or 11.4 percent of the nation’s population, lived below the poverty line, according to the U.S. Census Bureau. With many Americans considered the working poor, it’s important to consider why so many can’t get out of poverty. The reality is that it is extremely difficult to escape the cycle when the system is inequitable.

The working poor face a number of challenges that often go unnoticed or are misunderstood. These barriers aren’t always immediately obvious, but they can have a profound impact on their ability to break free from poverty. Here are five hidden barriers that quietly punish the working poor.

1. Lack of Affordable Childcare

Many working parents in low-income households face the challenge of finding affordable, high-quality childcare. For example, the cost of childcare in 2022 for one child ranged from $6,552 to $15,600. This high cost isn’t feasible for many American families. In addition, many parents living in poverty don’t have a strong support system of family or friends that can help watch their children. Without this support, parents may be forced to choose between working to make ends meet or staying home to care for their children. Plus, if childcare is unreliable, parents may get their hours cut or lose their jobs altogether.

2. Inaccessible Transportation

Transportation is another hidden barrier that can trap people in poverty. Many low-income workers rely on public transportation, which is not available in all areas. In other cities, public transit is antiquated, and it’s hard to get from place to place on time. Workers may spend hours on public transit trying to get to their jobs.

For those who own a car, the costs of maintenance, fuel, registration, and insurance can quickly add up, leaving little room for savings. In addition, if an individual has their license revoked because they couldn’t pay for a driver’s license renewal, insurance premiums, car inspections, or registration renewal, they often are left high and dry with nothing to fall back on. If someone who is poor can’t pay their car payments, their car can also get repossessed. All of these issues tend to be overwhelming and hard to dig out of. Without reliable transportation, workers can lose jobs or miss out on better-paying opportunities that are located farther away.

3. Inadequate or No Health Insurance

Even though many working poor individuals may be employed full-time, they often lack access to affordable healthcare. Some jobs don’t offer health insurance, or the premiums and out-of-pocket costs are unaffordable for low-income individuals. Plus, policies may have high deductibles that workers can’t even afford. This means that minor health issues are often ignored and can lead to serious conditions. Workers may delay seeking treatment until the problem becomes catastrophic. Medical debt can be crushing and hard to pay off. Ultimately, this can lead to bankruptcy or financial ruin.

4. Debt Traps

Many working poor individuals turn to payday loans or high-interest credit cards to make ends meet. These financial products often come with astronomical fees and interest rates, which make it nearly impossible for borrowers to pay off their debt. Plus, these lenders are very predatory and are illegal in some states. If individuals don’t pay back these loans on time, they can owe interest of as much as 300%-400%. This cycle of borrowing and never-ending debt can leave workers stuck in poverty for years, as they pay off loans that barely cover the interest, let alone the principal.

In addition to predatory loans, it can be extremely hard to pay off high-interest credit cards. Missed payments and accounts in collections can destroy your credit for years to come. The working poor often can’t afford more than the minimum payments, and if that, then interest continues to compound.

5. Lack of Access to Assistance Programs

In some cases, some of the people who need assistance the most don’t qualify. For example, you may not qualify for programs, like Supplemental Nutrition Assistance Program (SNAP), if you don’t have a permanent address. Without assistance, the working poor often have to choose between feeding their families, paying bills, or other essentials. This can continue the cycle of poverty. When the poor need it most, there is often nowhere to turn.

Escaping Barriers for the Working Poor

These barriers don’t just affect an individual’s ability to succeed; they also create a cycle of poverty that’s difficult to escape. Solving these issues would require coordinated policy changes, community support, and a reevaluation of how society treats its most vulnerable workers.

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How Unique Apps Can Streamline Your Personal Life and Business

10 Frugal Living Tips That Border on Too Extreme (But Actually Work)

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: debt traps, poverty, working poor

10 Frugal Living Tips That Border on Too Extreme (But Actually Work)

May 29, 2025 By Teri Monroe Leave a Comment

frugal living tips
Image Source: Pexels

If you want to truly be frugal, you’ll have to make some sacrifices and adjustments to your way of life. It may seem uncomfortable to cut back in this way. While some things may seem extreme, the amount of money you will save will make it worth it. Here are 10 frugal living tips you need to implement into your everyday life. You’ll be glad you did because they work!

1. Recycle and Reuse

If you’re trying to embrace frugal living, don’t let anything go to waste. It may be worth investing in things like reusable toilet paper and cloths instead of paper towels. You’ll also want to skip costly products like paper plates. Anything that is discarded after one use isn’t worth your money!

2. Try Cloth Diapers

If you have kids, you know how expensive diapers can be! One cost-effective alternative is to use cloth diapers. You will have to do more laundry, but in the long run, you’ll save thousands of dollars!

3. Hand Wash and Line Dry Clothes

Constantly using your washer and dryer can be very expensive and not energy efficient. Instead, consider hand washing and line drying your clothes. By doing this, your clothes will also last longer!

4. Use The Bottom of Jars

Do you not know what to do with jars of jam, bottles of ketchup, or salad dressing that just have a little bit left in them? You can use bottom of the jar recipes to save every last drop. A little bit of water will help you make sure nothing is wasted.

5. Cut Your Own Hair

We aren’t saying give yourself bangs. But you can save a lot by trimming your own hair. Additionally, at home hair dye has come a long way. Products like Madison Reed are practically salon-quality at home. This can save you hundreds of dollars a month.

6. Learn Sewing

Mending and hemming your own clothes is a huge cost saver. Plus, it’s easy to learn basic sewing like fixing buttons or patching holes. You’ll get much more life out of your clothes and won’t waste money on a tailor.

7. Cook from Scratch

There’s something to be said about cooking with simple ingredients. Fresh ingredients from farmers’ markets can also be very inexpensive. You might even want to start your own garden to save even more.

8. Preserve Food

Canning is a great option, especially if you have a garden. You’ll eliminate a lot of food waste and start building up your pantry stash. Having a deep pantry is essential when you need to make a meal in a pinch. If you always have things at home, you won’t be tempted to order takeout or go out to dinner.

9. Buy Everything Secondhand

Don’t overpay for clothes and essentials. You don’t have to pay full retail price to find things you like. Utilize the secondhand market on Facebook, Poshmark, and eBay. It’s also fun to visit local thrift stores and vintage stores. You may find that buying secondhand is not only more sustainable but also more your style!

10. Learn How to Fix Your Own Car

Car repairs can get expensive quickly. Most of the cost comes from the labor. If you can learn basic car repairs like changing your own oil, for example, you can save thousands of dollars over time. You’ll probably take better care of your car as well further extending its life.

Making Frugal Living Choices

Sticking to a simpler more frugal way of life can be challenging. But it’s totally doable. You’ll just have to see what works best for you and stick with it to maximize your savings. Over time, you won’t miss the luxuries you used to overspend on.

Read More

Is Starting an Auto Towing Business in the Cards?

Why Spending More on Family Fun Might Be Making Everyone Miserable

Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: Frugality Tagged With: frugal living, frugal living tips, living cheaply

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