Hello Story Empire friends, Gwen with you today.
Last month I initiated a series on including diversity in our stories. I explained that I would address the topic through personal experiences. The first post focused on race; you can read it here if interested.
This post looks at diversity in terms of financial status. Similar to the prior post, I begin with a story.

When I was around ten years old, our family moved to a different farmhouse about eight miles from our other home. It had two bedrooms, but dad enclosed the porch and created an additional room. My three brothers slept in that space, and the four girls slept in the adjacent room. Mom and dad had the third bedroom. I never thought of the house as small when I was growing up, but now I realize how crowded it was for a family of nine.
Because of the move, my sibs and I needed to change grade schools. Mom wanted us to attend the Catholic school in town and not the school just a couple of miles from our house. She was concerned that each of us have a proper Catholic education. At the country school, all the kids came from families involved in farming. We wore hand-me-downs and clothes that our mothers made for us, and our shoes were often covered in dirt. I never thought this unusual until I began school in town.
At the new school, there was an unspoken hierarchy of those from wealthy families and those from working families. My self-consciousness sharpened as I began seeing what I hadn’t seen before. My saddle shoes and homemade skirt were unlike what the other girls wore. I never noticed shoes before fourth grade. But from that time forward, I suffered them.

What does this have to do with our characters?
Each of us recognizes the haves and the have-nots, and that awareness began in childhood. At a young age, we observed the difference and internalized it in unspoken ways. Most commonly, we associated it with self-worth.
If you plan to include this aspect of diversity in your stories, I offer four suggestions to consider:
- Reflect upon when you first noticed the haves and the have-nots. Think about what triggered that awareness. At the time, did you consider yourself rich or poor, or neither? Did you feel that you didn’t fit in? Use those sentiments to give life to your characters.
- Unravel your buried judgments about wealth. When you see someone drive up in a limousine or someone begging on a street corner, do you associate either with intelligence or the lack of it, with privilege or bad luck or laziness? Do these contrasting circumstances, in some small way, affect your sense of the value of a person? How might you use this in a story?
- Research financial disparity. Find out who is homeless and why they are. Look into who is working two jobs. Identify the struggles of a single parent. Review the statistics. If you plan to include the diversity of wealth in your story, it is helpful to lay the foundation through research.
- Walk in your character’s shoes. Whether rich or poor or somewhere in-between, take the time to walk where your characters walk, figuratively or for real. Feel the difference between searching through a trash can for food and ordering lunch at a lush restaurant. Visit a shelter or a soup kitchen, and sit next to someone you might otherwise avoid. Then, bring that experience into your story through your characters.
Wealth diversity is not as transparent as race – except in the extreme. We may notice high-end accessories or the make of a car, but we don’t know what is in the bank. We may walk past beggars or long stretches of homeless lean-tos and tents, but we don’t see the families who have crowded together inside a motel room. If we include wealth diversity, our words can expose the different realities.
That’s it for me today, dear readers. Next month I’ll address diversity in terms of physical ability. Till then, take good care of yourself and find ways to celebrate the wonders of life.
Pingback: Gwen and John Talk about Different Than You Gender Characters – Part I | Story Empire
Pingback: Character Development and Diversity | Story Empire
Pingback: Characters and Diversity. Part 4 – Gender Identity | Story Empire
Pingback: Finding the Inner Truth/Beauty in Yourself by Traci Kenworth – Where Genres Collide Traci Kenworth YA Author
Thank you for the pingback. Most appreciated.
LikeLike
Pingback: Characters and Diversity. Part 3 – PHYSICAL ABILITY | Story Empire
Pingback: Characters and Diversity. Part 2 – Wealth – Kobcountrymusic
Thank you for the pingback. Much appreciated.
LikeLike
Very good points and a subtle warning here, Gwen. We don’t understand what’s behind apparent wealth or poverty. I think we could easily make a mess of that. This was one of the hardest things for me in writing a childhood story. I only had my own experience to draw on. I couldn’t have written about a wealthy upbringing if I wanted to. I had one experience as a child when I went to play with a wealthy friend. These people had servants. I had never even imagined that having servants was a real thing. I suppose I could have researched that, but I’m not sure I would know where to begin. As an adult, I have learned about people, along the lines with your suggestions, but trying to figure it out from 50 years ago is hard. Maybe reading memoirs or other stories would give us the insight we need.
LikeLiked by 1 person
Thank you, Dan, for these insights. We never really know another person’s struggles and easily project onto them a story that is just a story. Your suggestion about reading memoirs made me pause because I realized that I have never read a memoir by one of the “rich and famous.” Now I shall. 😊
LikeLiked by 1 person
It’s the only way I’ll ever know what it’s like 😉
LikeLiked by 1 person
Hi Gwen, my mom also grew up in a three bedroomed cottage. One room was for mom and dad and the latest baby, one was for the girls and the other for the boys. They were 8 children. They also had an outside toilet but it was a flush system. I don’t remember even noticing economic difference particularly when I was at school. I went to ordinary schools and there was a mix of kids from different economic backgrounds but we all wore school uniforms so I think the differences were less obvious. I do remember slipping behind the couch when I had friends over for the afternoon to read a few paragraphs from my latest book. That little secret sip got me through the afternoon. Friends were not my preference over an afternoon of reading. I was a weird kid.
LikeLiked by 1 person
Thank you, Roberta. School uniforms are a blessing, even though many hate them. Unfortunately, my school did not have them. BTW I love the image of you behind the couch reading. Wouldn’t it be precious to have a photo of that? I can certainly imagine it being the focus of Norman Rockwell. 😊
LikeLiked by 1 person
If my mom had know, she would have been very cross, Gwen. Behind the couch was my reading hideaway spot.
LikeLiked by 1 person
Maybe, but what a perfect hideaway! Very sweet. 😊
LikeLiked by 1 person
PS, I think its probably the competitive wealthier kids who hate school uniforms. They are a blessing to the rest of us.
LikeLiked by 1 person
Worthy advice Gwen. I loved your childhood story and the state of awareness – haves and have nots. ❤
LikeLiked by 1 person
Thank you, Debby. It begins in childhood, doesn’t it? Hugs.. 🤗
LikeLiked by 1 person
It truly does! ❤
LikeLiked by 1 person
What an excellent post, Gwen. I love your personal stories that are accompanying this series. I never really realized we were poor until I became an adult. But my sister says I lived with my head in the clouds and never saw reality. 🙂 Could be true. In New Orleans, I saw the vast differences between the people living on the streets and the ritzy ladies being escorted by police from Sunday morning mass. I love what you say about walking in our characters’ shoes. Great post!
LikeLiked by 2 people
Thank you, Jan. I’m so pleased you’re enjoying this series. Your example is perfect. As kids, we register the difference but aren’t reflective about it, until much later in life. 😊
LikeLiked by 1 person
What a wonderful post, Gwen 🙂 It is important to understand not only how we view the have and have nots but see it from all sides. Bringing this into our characters can add that extra depth so we can understand from another point of view. Worrying about having a place to sleep over having the latest video game is completely different world and can interact.
LikeLiked by 1 person
Thank you, Denise. I love your examples — truly different worlds. 😊
LikeLiked by 1 person
Reblogged this on Kim's Musings.
LikeLiked by 1 person
Thank you, Kim, for the reblog. Most appreciated.
LikeLiked by 1 person
Thanks, Gwen! Another great overview. I never had thought there is the need considering so much, but now i am somewhow enlightened, and well prepared. Have a beautiful weekend! xx Michael
LikeLiked by 1 person
Thank you, Michael. I’m pleased you found it helpful in some small way. I hope your weekend is beautiful as well. 😊
LikeLiked by 1 person
Thanks, Gwen! For this i am like a sponge. Lol Its very interesting getting information about the secrets of professional writing. xx Michael
LikeLiked by 1 person
Reblogged this on NEW BLOG HERE >> https:/BOOKS.ESLARN-NET.DE.
LikeLiked by 1 person
Thank you for sharing, Michael. Much appreciated!
LikeLiked by 1 person
Thanks for another great lesson to get better writing skills, Gwen. Enjoy a nice rest of the weekend! xx Michael
LikeLiked by 1 person
A wonderful post you’ve written, Gwen. I often lean toward middle and lower income classes when creating characters. That sense of lack is such a great catalyst in moving the character through a story. I’ve seen it in real life as well. You’ve given me even more to consider on this subject.
LikeLiked by 1 person
Well said, Beem, thank you. “That sense of lack” definitely shapes a character.
LikeLiked by 1 person
This is a powerful post, Gwen, and should make all authors pause and consider this aspect of our characters. I’ve done it for a few stories but not all of them. Thanks for sharing! 🙂
LikeLiked by 2 people
Thank you, Yvette. I’m so pleased you thought it important. Hugs… 🤗
LikeLiked by 1 person
I got online late today, so just read this. One of my friends, and she was right, accused me of reverse snobbery. I’ve never been picked on, ever, but in my early writing, (I’m sure it’s because I identified myself as lower middle class), I always treated rich people as shallow or snobs. But that’s not any more fair than stereotyping poor people as lazy or not as intelligent as they should be. People from all walks of life are individuals. Some good. Some not so good. It’s not fair to judge anybody.
LikeLiked by 1 person
I totally agree with you, Judi. Thank you for your thoughtful and humble response. We all have much to learn.
LikeLiked by 1 person
Thank you for such an interesting blog.
LikeLiked by 1 person
I’m so pleased you liked it, Paula. Thank you.
LikeLike
Excellent post, Gwen. I like your suggestions for exploring wealth and poverty and the range of variations in between. I have distinct memories of the “rich” kids walking home on the opposite side of the street from us “middle-class” kids. The sins of entitlement (though not limited to wealth) seem to be a major theme in a lot of my books. Another thought-provoking addition to your series.
LikeLiked by 1 person
Thank you so much, Diana. Your series on crafting rich characters spurred my thoughts on diversity. 😊
LikeLiked by 1 person
I’m so glad to hear that, Gwen. Your posts should help avoid biases and stereotyped. They’re thought-provoking. 🙂
LikeLiked by 1 person
This post has generated a few memories. When I was a baby, apparently, we lived on food stamps. My father was raised on welfare and my mother lived with very little means in the woods, her father being a lumberjack. My father worked hard and made lots of money – and spent more of it. We were not raised, ever with name brands (I wanted Addidas, I got North Stars. two stripes instead of the desired three). My mother just didn’t believe in that stuff. As a result, neither do I!
Another story is, my mother went into Holt’s Renfrew to look for a gown. She asked the sales person if they had it in another colour and she received the reply: “It’s a very expensive dress.” To which my mother replied “I didn’t ask you the price, I asked you the colour.” The next time she went into the store, that same person rushed to her to help. My mother: “No,” turning to another salesperson “I want her to help me out.”
We so quickly judge and, Lord knows, in today’s world of underdressing, that is a big mistake!
I do think, however, when I read (same as when I watch something), I want to know how they came to be where they are financially. Don’t be having them spend oodles of money without telling me where they got it from! My goodness, I am long-winded today… Apologies…
LikeLiked by 1 person
Dale, I love your examples and your incredible life experience. Thank you so much for sharing and adding to this conversation. 😊
LikeLiked by 1 person
It’s all your fault for bringing it up 😉
LikeLiked by 1 person
You’re too funny. Thank you again! 😄
LikeLiked by 1 person
Come again, I’ll be here all week 😉
LikeLiked by 1 person
This is such good – and important – information. One thing that has always bugged me when I read some novels that have characters of different races, whiteness is assumed. The only time a character’s race is brought up is when they are not white.
LikeLiked by 2 people
You’ve made an important point, Janis. I think you are absolutely right. Whether race or wealth or so many other aspects of life, when we write, we make assumptions and we all need to become more aware of that inner process. Thank you.
LikeLike
I always like to look at how stereotypes are included in stories. The wealthy are usually depicted as ruthless and cruel. The financially challenged as hard-working but sometimes lacking in good luck. I think your background to this post about your own situation points out the fallacy in those stereotypes. Good post, Gwen. Thank you.
LikeLiked by 1 person
I’m so glad you liked the post, John. Thank you for adding clarity and understanding. Much appreciated!
LikeLiked by 1 person
Thanks, Gwen.
LikeLiked by 1 person
Good points, Gwen. Even at a young age, you notice the haves and have-nots, and where you fit in. Even those who have can find themselves feeling like a have-not depending how they see themselves.
Those who have may not want to be classified that way and try to hide it. That also makes for an interesting twist when writing. You never truly know how someone may relate to or feel about their stature and status, everyone has something they want or something they want to hide.
LikeLiked by 1 person
Excellent points, Michele. Your final sentence really hit home with me. Thank you!
LikeLiked by 1 person
It’s so easy to forget this. I try to avoid mentioning some of the characteristics (skin color) because in my books, it makes no difference, but that isn’t always true.
LikeLiked by 1 person
Thank you, Jacqui. I’ve become more reflective about character development since I began this series. Diana Peach’s posts (https://storyempirecom.wordpress.com/2022/04/29/crafting-rich-characters-part-5) started me thinking, and over the months, I’ve learned a lot.
LikeLiked by 1 person
Excellent post, Gwen. I can relate to your example from your youth, and I think your points for considering how to address wealth (or lack thereof) is spot-on. Nicely done.
LikeLiked by 1 person
Thank you very much, Staci. I’m so glad you could relate to it.
LikeLiked by 1 person
Thank you for raising this question, Gwen. It definitely gave me some food for thought. Because of how and where I grew up, my fiction tends to focus on the poor/working class end of the wealth spectrum.
LikeLiked by 1 person
Writing this series has helped me see my writing choices and what I include or not. I’m so pleased you find the posts helpful, Liz. Thank you.
LikeLiked by 1 person
You’re welcome, Gwen!
LikeLiked by 1 person
Plenty of food for thought here, Gwen. In my research about about care homes I was aware that most of the staff were very poorly paid and some of those doing the night shifts had young children, but the extra money if afforded was too vital to turn down. Most of the staff were kind and dedicated, but difficulty in recruiting because of the poor pay meant that those who weren’t suited were taken on as well. The notion of ‘walking in someone else’s shoes’ is an excellent one and guarantees a layer of authenticity that no amount of reading can capture completely. I’m really enjoying this series. x
LikeLiked by 1 person
Thank you so much for sharing your research, Trish. You’ve added depth to the discussion through your examples. Most appreciated.
LikeLiked by 1 person
Reblogged this on Chris The Story Reading Ape's Blog.
LikeLiked by 1 person
Thank you so much for the reblog.
LikeLiked by 1 person
You’re welcome, Gwen 🤗
LikeLiked by 1 person
This is a great series, Gwen. Including wealth diversity in our stories can add a lot of depth to characters (or show the shallowness of some). I recently read a book that took place in a small New Mexico village. The residents were poor, but the author was quick to say they had a different kind of wealth in that they were close-knit families and they were happy. Needless to say, I highlighted that passage.
By contrast, one of my favorite authors always had main characters that were middle-upper class. She didn’t come across as snobbish, but it struck me poor characters were usually the antagonists.
LikeLiked by 2 people
Thank you, Joan, for sharing these excellent examples of how we can bring wealth or the lack of it into our stories. When we include diversity in any of its forms, I believe, like you, that we add depth and hopefully understanding.
LikeLiked by 1 person
I have read several books where the upper class were the antagonist. The more they had, the more they wanted and they would do whatever it took to get that.
LikeLiked by 1 person
Interesting topic. This could add wonderful layers to our tales.
LikeLiked by 3 people
“Wonderful layers to our tales” so beautifully captured, Craig. Thank you.
LikeLiked by 1 person
Pingback: Characters and Diversity. Part 2 – Wealth | Legends of Windemere
Thank you for sharing. Much appreciated.
LikeLike
I don’t think I have ever used wealth in any of my books, at least not as an important part of the content… Interesting idea though…
LikeLiked by 2 people
In one of my books, refugees are an important part of the story. Overall, though, I’ve not given much attention to this aspect of diversity, but I suspect I will now. Thank you, Anita.
LikeLiked by 1 person
I don’t think I will, Gwen. I don’t like money or the problems it brings…
LikeLiked by 1 person
Thank you for this post, Gwen. These posts are most helpful for avoiding stereotypes.
LikeLiked by 3 people
I’m pleased you find the series helpful. Thank you.
LikeLiked by 2 people
I have been thinking, Gwen, and it is true I tend to make my main characters wealthy or middle-income. Joan is also right that antagonists are often poor. I agree they are in many books I’ve read, but I find wealthy villains find money useful when they’re doing evil deeds.
I’ve asked myself WHY I prefer to write mainly about the wealthy, and the answer is simple. Poor tends to equal ill-educated and writing the way they speak, remembering it must be understood both sides of the pond, is a chore. 🙂
LikeLiked by 2 people
Great insight, Sarah. Thank you. Since beginning this series, I’ve become more aware of my own characterizations. I hadn’t thought about speech, but you are absolutely right.
LikeLike
Food for thought, Gwen. I may be back later with a proper comment!
LikeLiked by 1 person
Thank you, Sarah. Always appreciated.
LikeLiked by 1 person