Comments on: Kandi & Yung Joc: “Black People Don’t Spend Their Money Right”

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By: burthound

burthound — Mon, 19 Jul 2010 14:18:04 +0000

Do you know the difference between an Asset and a Liability? The minute you’re able to decipher the difference you can discover whether you are rich or poor. We spend too much money in cars or clothes or even bills. Why take all your money and spend in bills? This why you are poor. There are things that Rich people do that are different from poor people. Why go broke? When you have $100 dollars, what do you do with it? Most people don’t believe in mutual funds, stocks or bonds. Why not buy property atleast if you get something for $150,000, it “could” appreciate to $175,000 or even more? Is it because of your credit why you can’t acquire property? You have blame yourself for messing up your credit and Oh, Rich people don’t have poor credit. Maybe you should start there. Things that we think have value have done and things that are of value we don’t acquire. We waste too much of our money trying to keep up with other people and going broke. Have you ever heard of a life insurance policy? There are so many things that can make us rich, we just don’t acquire them and that’s why we are poor. Having a job doesn’t make you rich. It’s how you spend your money. Nothing wrong with buying yourself nice things and wanting to look nice and live nice. You work hard for your money. You deserve the finer things of life. But when you have the extra $10 dollars sitting on the dresser, what do you do with it? A small saving account will give you a profit for your money. We should be in a profit making business because this is what it’s all about. Taking what you have and gaining a profit. Rich people know this and that’s why they are the way they are. They don’t waste their money on foolishness. Like I said – nothing wrong with wanting nice things, but the sooner you put your money in something that will grow your money and stop owing people (like your creditors), then will you be rich.

God Bless Everyone!

By: Mas_88

Mas_88 — Mon, 19 Jul 2010 07:25:10 +0000

The economic melt down exposed how Americans put up a front as to how they are living: beyond our means. I pay my bills and I still have a bank account that would make most people hate me at my age, but I know I want to live comfortable when I’m 65, if I reach that age, and I don’t want my future family to suffer from being broke. Of course I will teach financial discipline before anything else. White celebrities were not broke when they weren’t actors. Most of them went to college, and good colleges at that. Rappers come from the hood, so they’re not financially savvy. Young Joc is making crazy assumptions, but then again look at Will Smith. Do you think he’ll be broke by the time his star falls. I doubt it. Him AND Jada are too smart, and Jada went to college. Maybe if rappers stopped rapping about being rich, they wouldn’t have to carry so many body guards. Singers have body guards too.

By: MrSyncDreams

MrSyncDreams — Sun, 18 Jul 2010 15:49:00 +0000

This comment is for those who think this article is a stereotype. Sorry but this time I agree. Most, again I will say MOST black people don’t spend their money right. The first thing most of us want is a MERCEDES. We’ll buy that on a VW budget. Knowin we can’t afford it. Example of not spending your money right. Buying cars over 50 thousand dollars with no garage to park it in. Spending 500 dollars on a hand bag living in a roach infested apartment. Having 200 pairs of shoes in your closet with a credit card balance of 15 thousand dollars or more. Hangin out in the strip club making it rain while living at home with yo mamma. Yeap I totally agree. Black people don’t spend their money right.

By: Kevito920

Kevito920 — Sat, 17 Jul 2010 19:29:24 +0000

This article reminds me of this case on Judge Mathis where these two young black guys were suing each other for loans…one of them had a ’90 something car with chrome rims that were worth MORE than the car. So basically Judge Mathis said “you buy what you want, but ask for what you need” and that statement can be applied to American society in general. We are always trying to keep up with the Jones or try to get the next big thing. But african americans in general are harder hit because they have nothing to fall back on. If you think buying a ’11 BMW is the right choice when you are living in the projects is the best idea, then you are asking to be broke.

For anyone thinking rapping about the next big dance or car is the way to riches, consider this: once you made it big, a huge portion of your check will go to the record label, then the manager, then the producer, then lawyers…so without any investment you have NOTHING to fall back on.

One of the comments referred to the baby boy scene where ving explained guns and butter and that is exactly what Americans need to learn about. So if you are young or older and want to be financially stable, do your research and invest (this is the internet so there are plenty of sites to teach you about investments after all), no need to be ghetto fabulous and no one is going to feel sorry for you when you are broke and struggling.

By: Sigma_In_MS

Sigma_In_MS — Sat, 17 Jul 2010 11:45:27 +0000

@ Kelis … I agree. The people on here that are saying “yeah its a black thing” and that and this are just feeding into the stereotype. Irresponsible spending is irresponsible spending no matter the race. A white couple having $20,000 in credit card debt is no different than the black person “bling bling” out.

@ AngryMann1 The reason why people tune out Bill Cosby is the way he does it. People dont want to hear the message if all you are doing is downing and degrading them. They will automatically tune you out.

By: SWEET_P1958

SWEET_P1958 — Sat, 17 Jul 2010 02:08:41 +0000

Hello Kandi, I hope that my comment just makes you go hmmmmm….! As far as your suppositions about the trivial pursuits of wealthy Black People are concerned, unless somebody takes them aside and teaches them the principles of investing and saving their money, they will probably buy some jewelty and a pair of Jordan sneakers before they talk to a Real Estate Agent. And if they grew up pissing in the projects, the most luxurious room in their home might be the Bathroom. (smile) Unless they are “intimate” with someone who also has money, they will never understand: “HOW MUCH MONEY YOU MAKE DOESN’T REALLY MATTER—-WHAT COUNTS IS HOW MUCH MONEY YOU SAVE!” Let the record also show that if the individual doesn’t have any principles, morals or common sense, they are destined to fail anyway….! I’m sure everyone has heard what happens to “A FOOL” and their money? So sincere, Michael Sydney Perkins (aka SWEET P)

By: King_Chris_Planet

King_Chris_Planet — Fri, 16 Jul 2010 23:37:36 +0000

This country is rigtfully in a recession. It worship the false god mammon with it’s ranked materialism and status. If there is no fear of God why should anybody be shocked. People walk around puffed up with pride as they are the ones who makes their own heart beats in there chest and are the Boss of bosses. It is not just the people it is also the government who we failed to hold responsible for their wasteful spended and washing of money. It is not a racial thing it is lack of self respect and self worth thing. Money,position,and goods are not a measuring stick for of love and respect for ones self. It is character that is the measure of a man,woman,boy,and girl.