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Don’t believe everything you hear about the Internet and how easy it is to make tons of money online. Most of the people making tons of money online are making money off people like you selling programs and packages with information you can get free just by doing some research of your own. And these money making systems grossly exaggerate your income potential or fail to tell you the whole truth.

The few people who are making tens of thousands and hundreds of thousands per month without scamming people desperate to find ways to make quick and easy money, are not every day citizens who decided to quit their jobs and try to see if they could make money online following the formula outlined in some money-making program. They are people who know what they’re doing out there.

You might be surprised to discover that according to the Orshansky Poverty Thresholds document used by the US Census Bureau to determine who among the more indigent in society should be classified as officially poor, you might not technically be a member of the poverty sector.

Just because you have no money in the bank and haven’t earned an income in 4 months, have to scrape coins together to pay your bills every month, never know if you’ll be able to get the bills paid the following month, never know when your utilities are going to get disconnected and can never guarantee you’ll be able to afford to eat, doesn’t mean you’re poor. What technically makes you poor in the United States is your yearly income, presumably your adjusted gross income, falling below the poverty threshold applicable to the size of your family.

What this means is that, if you’re finishing the year with an adjusted gross income that, according to the poverty threshold, should be enough for your family to live on, even if you can’t afford extras, but you’re still struggling to get the bills paid, you might not be managing your money well. Perhaps a $930 monthly rent is too much for someone with your income? Perhaps High Speed Internet and Digital Cable are luxuries you really can’t afford? Perhaps you can’t afford to be spending $50 - $100 every week on fast food? Perhaps you shouldn’t have 5 credit cards which equal 5 additional and unnecessary bills to pay every month?

Being a member of the low income sector isn’t the ideal admittedly, but it means that, while you won’t be able to afford the high life, you should still be able to get by on what little money you have. Poverty isn’t responsible for your constant financial struggling because, according to the US Census Bureau, you’re not poor. It’s your poor money management skills that has you trapped in the same cycle year after year, and until you make the adjustment so that you’re living within your means, your life will continue to resemble that of someone who is actually poor even if you’re technically one level above poverty.

Rich people don’t generally get rich just sitting around doing nothing. Aside from people who win money, or criminals who steal money from other people, the rest of us, rich or poor have to work to get money. That’s the nature of money. No one just gives you money for nothing. There’s no such thing as a wealthy beggar. A few people might drop a few coins in your tin can, maybe a few dollars, but you can never beg your way to millions.

Far better is it to dare mighty things, to win glorius triumphs, even though checkered by failure… than to rank with those poor spirits who neither enjoy nor suffer much, because they live in a gray twilight that knows not victory nor defeat. Theodore Roosevelt