How Black America Goes Broke for Christmas — and Starts January at Zero Again

How Black America Goes Broke for Christmas — and Starts January at Zero Again

How Black America Goes Broke for Christmas — and Starts January at Zero Again

Every year, the cycle repeats itself.

Black Americans spend billions during Christmas—on gifts, decorations, travel, clothes, electronics, and last-minute shopping—only to wake up in January stressed, broke, and starting from scratch.

And the hardest truth?

Christmas was never designed to build wealth.
It was designed to drain it.

Yet we were never taught how money works—only how to spend it.

Christmas: A Holiday Built on Spending, Not Stability

Christmas, as we celebrate it today, is one of the most aggressive consumer holidays in the world. Retailers depend on it. Corporations rely on it. Marketing budgets explode because companies know one thing for sure:

Emotional spending beats logic every time.

And Black America is targeted heavily.

  • “Show love through gifts”

  • “If you don’t buy it, you don’t care”

  • “Give your kids everything you didn’t have”

  • “You only get one Christmas a year”

So we swipe.
We charge.
We overextend.
We buy to prove love, success, and worth.

Then January comes.

January: The Month Nobody Prepares For

January doesn’t care about Christmas memories.

Bills are due.
Credit cards are maxed.
Savings are gone.
Stress is high.
Motivation is low.

And because we were never taught:

  • budgeting,

  • investing,

  • income diversification,

  • or digital wealth strategies,

we accept January struggle as “normal.”

But it’s not normal.
It’s conditioned.

The Real Problem: We Were Never Taught Money

Let’s be honest.

Most Black Americans did not grow up learning:

  • how to build income streams,

  • how to monetize skills,

  • how to earn from home,

  • how to use the internet to create money,

  • how to turn consistency into cash.

We were taught to:

  • work hard,

  • survive,

  • celebrate when we can,

  • and start over when money runs out.

So Christmas becomes a financial reset—in the worst way.

Spend everything.
Recover slowly.
Repeat next year.

The Internet Changed the Game — But We’re Still Playing the Old One

While we’re going broke for holidays, other communities are using the internet to create income:

  • earning from home,

  • posting links,

  • affiliate marketing,

  • selling digital products,

  • monetizing content,

  • building income streams that don’t disappear in January.

The tools are free.
The platforms are public.
The opportunity is real.

But if you don’t know how it works, you’ll stay stuck in the same cycle.

January Doesn’t Have to Mean “Broke Again”

What if January became:

  • your rebuild month,

  • your strategy month,

  • your learning month,

  • your income-building month?

What if instead of saying “I’ll figure it out,”
you actually learned how people make money online from home—without scams, without hype, without needing a huge following?

That’s exactly why I created my digital guide.

Start the Year Differently

If you’re tired of:

  • going broke for Christmas,

  • starting January stressed,

  • and repeating the same money cycle every year,

this guide was created for you.

👉 Download here:
How to Make Money – Digital Download
https://richiewritz.com/products/how-to-make-money-digital-download

Inside, you’ll learn:

  • how people earn from home,

  • how to post links correctly,

  • how online income actually works,

  • how to build consistency,

  • how to stop starting the year at zero.

This isn’t about getting rich overnight.
It’s about not being broke on purpose anymore.

Final Thought

Black America has always been creative.
We’ve always been resourceful.
We’ve always been resilient.

What we haven’t been given is financial education.

Christmas didn’t make us broke.
Lack of knowledge did.

January doesn’t have to look the same this year.
But only if you decide to do something different.

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