It’s No Fun Being Poor
September 1982

“It’s No Fun Being Poor,” Ensign, Sept. 1982, 72

Speaking Today

It’s No Fun Being Poor

Address delivered at a Brigham Young University devotional, 30 March 1982

Elder Marvin J. Ashton

I think when I announce the title of my remarks it is reasonable to assume many of you will nudge the one next to you and say, “So what else is new?” or “Where does the line form for those who want to bear witness to the fact?”

My topic is: “It’s No Fun Being Poor.”

Now the truth is, not one of us needs to be poor. However, we can become victims of real poverty if we are not wise in our daily conduct. The main question for every person to resolve is not what he would do if he had vast money, time, influence, or educational advantages, but how he will best use the means and assets he has and will yet have. The next related question is, what is meant by the terms poor and rich? Does it have to do with material goods? And if so, how much does it have to do with material goods?

It’s no fun being poor. It is much more fun to be rich. I hope we will see that we can be rich if life’s ledger is filled with daily entries that show bottom line totals including sound moral conduct, uprightness, and incorruptibility.

The purpose of my remarks is to try to help all of us avoid being poor. Hopefully, if we are already poor, we will be able to overcome it with corrective actions. For your consideration, I am going to identify “ten commandments” we should follow if we would avoid being poor. Doubtless, there may be ten, twenty, or thirty more, but for our purposes, the following may be a good start.

I. Thou shalt not lose a friend or cease being one.

A person is poor when his friendship inventory is depreciating. A person is poor when he is friendless. When friends, those closest to us, have cause to desert, to disbelieve, to lose confidence in us, we are poor. When we lose friends, our strength as well as our desire is ofttimes totally drained. In our personal balance sheets, “minus friends” indicates a loss position. No man is useless while he has a friend. No man can declare personal bankruptcy if he has one friend.

Very often friends are lost because we are unwilling to pay the price it takes to maintain them. It was Emerson who said, “The only way to have a friend is to be one.” (The Home Book of Quotations, sel. Burton Stevenson, New York: Dodd, Mead & Co., 1935, p. 727.)

A friend is a person who will not only take the time to know us, but also take the time to be with us and never desert us regardless of the circumstances. One of the finest presents each of us can give someone else is our best self.

Joseph Smith gave us a glimpse of his measure of friends when he said, “If my life is of no value to my friends it is of none to myself.” (History of the Church, 6:549.) The Savior said, “Greater love hath no man than this, that a man lay down his life for his friends.” (John 15:13).

When Robert Louis Stevenson was asked the secret of his radiant, useful life, he responded simply, “I had a friend.”

A friend in the true sense is not a person who passively nods approval of our conduct or ignores improper behavior. A friend is a person who cares. When we lose someone who cares about us, we lose one of our most valuable assets. An Arabian proverb says, “A friend is one to whom one may pour out all the contents of one’s heart, chaff and grain together, knowing that the gentlest of hands will take and sift it, keep what is worth keeping, and with the breath of kindness blow the rest away.”

A friend is a priceless possession because a true friend is one who not only is willing to love us the way we are, but is able to leave us better than he found us. We are poor when we lose friends because generally they are willing to reprove, admonish, love, encourage, and guide us for our best good. A friend lifts the heavy heart, says the encouraging word, and assists in supplying our daily needs. As friends, we will make ourselves available without delay to those who need us.

I hope that in the days ahead more and more of us will free ourselves from expressions of, “If you need me, let me know,” or, “If I can be of help, call me,” and replace them with the development of a sixth sense that will let us know when and where our friendship is needed.

When Joseph Smith was in the Liberty Jail, he poured out his heart and soul with, “O God, where art thou?” Part of God’s great declaration of love and encouragement to him at that time was:

“My son, peace be unto thy soul …

“Thy friends do stand by thee, and they shall hail thee again with warm hearts and friendly hands.

“Thou art not yet as Job; thy friends do not contend against thee, neither charge thee with transgression, as they did Job.” (D&C 121:1, 7, 9–10; italics added.)

Joseph Smith was enduring much, for God’s own purposes, but he was rich because his friends were standing by him.

A person is poor when he is friendless, but even poorer when he ceases being a friend. No matter what the conduct or negligence of others may be, we cannot afford to yield in our sincere efforts to be a friend. Very often our family members and friends need our friendship most when they least deserve it.

II. Thou shalt honor thy character and protect it from self destruction.

A person is poor when his character is honeycombed with greed and warped by dishonesty. When we yield to misconduct under pressure, we are poor. A person who has to beg for bread is not poor if he has not bent to expediency. An individual is headed for personal bankruptcy when he sells his character and reputation for cash, honor, or convenience. We are poor in character when we think getting by is a substitute for doing our best. Virtue, action, and truth properly blended in life make a person rich.

Our character is determined by how we perform in meeting life’s challenges. Thank God for individuals who have the courage to stand up and be counted on the side of truth and integrity. What a compliment it is to have someone say of you, “She will not yield her principles under pressure or distress.”

III. Thou shalt not deceive.

Sir Walter Scott said, “Oh what a tangled web we weave, when first we practice to deceive!” (Familiar Quotations, comp. John Bartlett, 14th ed., Boston: Little, Brown, and Co:, 1968, p. 519.) A man of deceit considers, “What will partial truths bring me when I crowd the line of truth?” A man of character considers what is right: “And again, verily I say unto you, blessed is my servant Hyrum Smith; for I, the Lord, love him because of the integrity of his heart, and because he loveth that which is right before me, saith the Lord.” (D&C 124:15.)

A favorite tool of the devil is deception. Satan’s skills win him the title of “The father of deceit.” He would have us all become poor by living and promoting the lie. Whenever deception is encouraged, the promoter is the greatest loser. He must bear the responsibility for those he injures.

IV. Thou shalt not compromise thy principles.

All of us should constantly remind ourselves that character is education properly applied. The sharing and encouraging of truth on a continuing basis shelters one from poverty. Nobility in character is one asset that will bring dividends regardless of the business climate. A quality person will not compromise his principles regardless of the size or intensity of the foe or situation.

A person who compromises in a sense advertises in the marketplace that a certain price or consideration will cause him to sell out. People of uncompromising principles are never poor. How rich are those who can live by worthy principles and manage the results!

V. Thou shalt love thyself.

Through an appropriate blend of self-pride and self-dignity, self-respect will surface. A person is poor when he personally labels himself as a “marked-down” or a “close-out” article.

How sad, how long the day when we become low on ourselves! The worst form of defeat is to be conquered by self. Defeat is not pleasant, but nothing is so painful and devastating as self-defeat. Losing our self-dignity and self-respect is the worst form of poverty. When trust in friends and self are both lost, there is not much trust left in life.

We should teach, particularly ourselves, that nobody is a nobody. We are someone, and with God’s help we can accomplish all things. It is a sad day when a person finds it easier to be true to friends than to himself. How unwise, how unfair to sell ourselves short when God is our partner.

Personal bankruptcy is impossible for a person of self-pride. A person is poor when he places despair over hope. A person is poor when he fails to remember who he really is and forgets his relationship to God, family, and self.

Many years ago, on a hot summer day, I was walking through the medium security division of the Utah State Prison. Most inmates were out of their cells. I mingled among them and visited with some. Most were dressed without shirts. I remember as though it were yesterday my talking to one who had tattooed across his chest in rather large letters, “A Born Loser.” He had labelled himself poor, and his present environment indicated he was doing quite well with his personal image.

VI. Thou shalt be honest.

A person is poor when he thinks honesty is a policy instead of a proper way of life. Thomas Carlyle said, “Over the time thou hast no power; to redeem a world sunk in dishonesty has not been given thee; solely over one man therein thou hast a quite absolute … power; him redeem, him make honest.” (In Forty Thousand Quotations, comp. Charles Noel Douglas (New York: Nelson Doubleday, 1917), p. 1557.) An honest conscience is worth more than it costs. Greatness is truly measured by honest self-appraisal.

“What shall it profit a man, if he shall gain the whole world, and lose his own soul?” (Mark 8:36.) How many times over the years have you heard the declaration that it is greater to be trusted than loved? Let me remind you that regardless of the number of times, you haven’t heard it enough. Without honesty there is no foundation upon which to build. How can a person be helped when he insists on living the lie? Lying and living the lie keep us poor.

VII. Thou shalt not wrongfully exploit others for personal advantage.

A person is poor when he drops or uses the name of an individual or an institution to promote or sell his questionable wares. How unfair, unwise, and poor are those who would have us believe a “get rich” investment opportunity is desirable because of the political or ecclesiastical office the one holds who is making the proposition. Any person who allows his good name or image to be used to promote or encourage schemes of the unscrupulous is embracing dishonesty. Dishonesty is any communication given to another with the intent to deceive. An improper entry in one’s personal ledger, flattery, failure to defend a truth or principle, failure to discipline, and the endorsement of a fallacy are a few of the other forms of exploiting for personal gain.

In today’s marketplace—yes, in our own neighborhoods, towns, and cities—scheming, deceiving promoters are making available to gullible purchasers all kinds of enticing offers. We are sorry to report thousands within our ranks are being duped by the glib tongues of those who offer and solicit in whispers “once in a lifetime opportunities” and “just for you” approaches.

Those of us who knowingly give ear to dishonesty in any form are moving in the direction of poverty.

VIII. Thou shalt not believe repentance is an announcement.

A person is poor when he lives by comparison rather than by principle. A person is poor when he fails to realize repentance is a process and not just a declaration. Every person has the challenge of recognizing and carrying his personal cross. Repentance is an action principle, not a self-declared holding pattern.

A person who is willing to repent will never have more liabilities than assets. Repentance makes it possible for the sinner to get back up when he falls. A person is poor only when he is unwilling to use and understand repentance. Repentance is not an announcement. It is improved conduct.

IX. Thou shalt not stay poor.

It’s not fun being poor, but no one has to be. With friends, virtue, character, truth, integrity, repentance, and other God-given gifts and rights available, pearls of great price are ours for the seeking. Through prayer and action God helps us avoid being poor. He that has eternal life is rich.

X. Thou shalt not allow thyself to be managed by money.

A person who allows his money to manage him instead of him managing his money is poor. No matter how much or how little we have to live on each week or month, it needs to be used wisely. We need to decide on a budget and live within it.

Some claim living within a budget takes the fun out of life and is too restrictive. But those who avoid the inconvenience of a budget must suffer the pains of living outside of it. The Church operates within a budget. Successful business functions within a budget. Families free of crushing debt have a budget. Budget guidelines encourage better performance and management.

It seems there will always be emergencies and crises in all of our lives that cause financial drain, but even these developments need not make us poor. Things generally turn up for those who keep digging. Financial disaster can be avoided if we learn with others how to help ourselves. Anyone with friends, family, neighbors, bishops, and stake presidents who care, is rich.

Through work, education, and commitment, personal satisfaction can be realized as we make appropriate use of the accumulation of this world’s goods. No one needs to apologize for his success in financial achievement if the means of attainment have been honorable and he knows how to wisely use what he has. Conversely, when money and wealth become our goal and our god, we are poor.

I personally applaud those who are honorably successful in achieving an abundance of this world’s goods, but only if it is convincingly evident their money is being wisely used. No man should be respected just for his riches fairly acquired, but rather for his philanthropy. We do not judge the value of the sun by its height, but for its use.

It is a worthy prayer to ask our Heavenly Father to bless us with this world’s goods, but not with more than we can bear. Too much money can make us poor. One of life’s great lessons is to teach us that what we do with what we have is more important than what we have. Limited budgets can teach us sacrifice, self-reliance, restraint, and personal management. And proper incentive and attitudes prevent us from ever classifying ourselves as poor.

I leave you these thoughts, my love, and my testimony. It’s no fun being poor. Fortunately, none of us has to be.