It's a toll free service with people who will help you find programs in your community to pay those bills, find food, and find housing! They will give you numbers to call so you can get help.

It is not 100% foolproof. Their job is to direct you to a program they believe will help your current issue, but it's still a step up from praying random strangers online will give you enough cash before a deadline! The added benefit of these community programs, which get funded by the local government most of the time, is if there are more people using them then they can get more money to help more people.

You're not taking resources from other people if you use your community services. Your taxes pay for them. Use them.

Dial 211 first to see if they can help, and if for some reason they can't, then make your donation posts!

I can't speak for all 211's but most should also have a website detailing all the agencies in their database. if you don't like phone calls, this can be something to reference instead.

If you don't have health insurance but you need to see a doctor, reference 211! We list clinics that provide free or discounted general care, vision, and dental services to low income households and people without insurance! Many hospitals also have financial aid policies that can severely reduce your bill if you had an expensive procedure!

If you're stuck in a dead end job or need educational resources reference 211! There are a lot of programs focused on providing basic adult education as well as trade skills or other high demand fields! State governments are generally more interested in funneling people into work than providing benefits, but you can still use this to your advantage especially if you have some form of disability but are still able to work. That includes if you're neurodiverse or have mental health issues! Most of these programs are extremely underutilized.

If you believe you qualify for public benefits but the bureaucracy of the process is in your way, reference 211! There are agencies specifically geared towards helping people obtain the benefits they qualify for- for free!

If you need help with your taxes-

If you need help finding a pro bono lawyer-

If you need help finding affordable housing/section 8 housing-

If you need help finding food pantries-

If you need help paying for your prescriptions-

If you need help obtaining disability aids or assistive technology-

If you need help finding transportation options-

If you need help following a natural or personal disaster (like a home fire)-

If you need help repairing a home you or your family owns or it needs modifications to be accessible-

If you need Queer resources-

Reference your 211!!!!!

I had no idea what 211 was before working for it but I wish I had. I've learned so much about what resources are actually available to the community even in a ho hum area of the country like my state. I've saved my partner literally thousands of dollars just from the medical resources I've gathered.

Not enough young people know about or utilize these services but they are there for you!

P. S.

When you start your job, get an HSA account not FSA and get the high deductible health insurance. It will lower your tax bracket and the money is yours to use. You also earn 40% in most cases after 10k!!!

Never buy a car brand new! I’ve watched Escalades go from 100k (new) to 35k four years later.

Get you an LLC (incorporate your name!!) and run it as an S Corp. Remember Jay-Z quote “I’m not a Businessman I’m a Business Maaaaaaaan....” let that sink in.

Build business credit! The loans are bigger and the interest rate is lower.

Get a business bank account (in most cases this costs around $500 to start). Some people got two stimulus checks (one from Trump and one from the SBA). Also no fees.

Go to Community College first and transfer into a four year college (unless you have scholarships to mitigate the costs) as a Junior. School is a power move you must be able to secure the bag. Majors in STEM will always be needed, are in high demand and the skills can directly help the black community.

Get with your peers from your graduating class and others together at homecoming on one day for two hours to plot and strategize how we can move our communities forward (commerce, politics, education, etc...)

If you want to support Black People, support Black Business and Black Institutions of higher Education.

Get life insurance for you (whole life) and your children (term) as soon as they are born (one thing is for sure is we will die...might as well leave your kids something extra!). The sooner you get it, the cheaper it is. And you can borrow against it to fund certain projects. Also, the ones that pay out dividends are the best! They normally are associated with the market (money market accounts). IUL’s are great!

Get the people in your immediate family to save collectively! If 10 people save $500/month, that’s 60k every year. You could buy 3 starter homes every year and in 4 years all ten of you are home owners. Buy on the same block or neighborhood if you can...this way you control the value of the homes (remember Monopoly!).

I need 10 people to copy and repost this on their pages and groups.

We need to build wealth!!!!