top of page

Breaking the Cycle: The Crucial Role of Financial Education and Behavioral Mentorship in Addressing

Transform Lives with 'Breaking the Cycle'! Dive into this article and discover the powerful fusion of financial education and behavioral mentorship in tackling youth poverty and homelessness. Learn how knowledge and guidance can open doors to new beginnings. Get ready to be moved and inspired.

Young black male sitting cross legged on the ground with the city background

In the shadows of our bustling cities and vibrant neighborhoods lies a harsh reality: youth poverty and homelessness. This pressing issue not only threatens the well-being of young individuals but often steers them towards a life of crime and desperation. My own journey serves as a testament to this often-overlooked crisis.

As a 12-year-old, I found myself homeless, not in the stereotypical sense of sleeping under a bridge but rather shuffling from one temporary shelter to another with my single mother, sister, and two girl cousins. Homelessness for us meant an endless rotation of floors and couches, a life marked by instability and uncertainty.

During this tumultuous time, I turned to cannabis – both using and selling it – as a means to contribute to my family's survival. School became a battleground rather than a place of learning. Trapped in a cycle of anger and neglect, I roamed the halls with other disaffected youths, engaging in fights and mischief. This behavior eventually led to my expulsion and further entrenched me in a path towards gang involvement.

Two young males in an altercation with a crowd around

Hunger was a constant companion. I remember stealing food from fast-food drive-thrus, a risky act that could have easily thrust me into the criminal justice system. This wasn’t a choice born from malice but a desperate attempt to provide for my family in the only way I knew how.

Young black male running away from a store with a grocery bag

My story is not unique. Countless youth in impoverished and underserved communities find themselves in similar predicaments. The lack of opportunities and resources drives them towards criminal activities, not out of inherent delinquency, but as a means to escape the clutches of poverty.

This reality underscores the vital importance of integrating financial education with behavioral mentorship in our approach to aiding these young individuals. It's not enough to simply admonish them for their actions; we must provide them with the knowledge and tools to navigate out of poverty. Mentorship programs need to address the root causes of these behaviors – systemic poverty and lack of opportunity – and offer practical, sustainable solutions.

Financial education is key. It’s about teaching budgeting, saving, and the value of money, but it's also about showing these youths alternative paths to success that don’t involve crime or risking their futures. It’s about instilling hope and showing them that there are ways to achieve their desires legitimately and sustainably.

Young black male teaching in a classroom setting

Behavioral mentorship complements this by addressing the emotional and psychological aspects. It involves understanding their struggles, offering empathy, and guiding them towards making better life choices. This combination can be a powerful tool in breaking the cycle of poverty and crime.

In conclusion, as a community, we need to recognize the importance of addressing youth poverty and homelessness with a dual approach of financial education and behavioral mentorship. It’s not just about providing a temporary solution but about equipping these young individuals with the skills and mindset to change their lives permanently. Let’s not just pass them along; let’s guide them towards a brighter, more secure future.

Hear from one of our Lived Experience Experts WWMI A Way Out of Poverty.


bottom of page