5 steps for the ghetto from poverty to wealth 1. No borrowing unless it is for something that is essential to earning an income. Don't borrow to buy enjoyment items. 2. No lending unless it is to a family member. 3. No sharing. Each person own their own items. 4. If a person goes outside the ghetto, works, and then returns back they are a very important person. Treat them as important and don't ask them to carry extra burdens like doing domestic work or looking after children. The ones that don't have a job should be doing these things. 5. Don't gamble on the lottery, the stockmarket, etc. *Sharing makes the entire community poor. This is because it makes people lazy - if a person can get something they need by taking it from someone else then they have no reason to do work to make it.