If you live in a good neighborhood you drive home and there's a bank. There's grocery stores and big houses – but no motels. What that tells you psychologically is you protect your money and buy good things for your family to eat in your nice big house.
If you live in a ghetto and really want not to just change your life and your family's life but change your ghetto's life make your ghetto a good neighbourhood learn science try to be like Mark Zuckerberg Bill Gates and Steve Jobs.
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Respectable means rich and decent means poor. I should die if I heard my family called decent.
