Most people want to help the poor, but that doesn't mean intentions yield results. To illustrate, let's take two Californians, Ashley and Betsy. Ashley is 18, working retail, about to go off to UCLA, and both of her parents are educated professionals living in Santa Monica. Then, there is Betsy, a 32-year old single mother from San Bernardino, who only has a high school diploma and works full-time as a waitress.