Wow. This idiot "correspondent" seems to have no idea why it is that poor people spend all their money and sell all their marketable goods as soon as they get them. By contrast, anyone who's ever been too broke to save up for the future will get it immediately. Living from hand to mouth for a few months would have done him the world of good.
Also, nice phonetic transcription of the way black people talk. You know he was so proud of his "colorful" dialect writing. In reality, no human in the history of Earth has ever talked the way that dialogue indicates.