Obviously barring tragedy/catastrophic events happening to an unlucky few people - most long term average "poor" people got that way and stay that way by consistently making bad choices and decisions from early on and then subsequently throughout their lives about almost every aspect of their lives. They also typically get in debt early and stay in debt the same way..more bad choices. They also make consistently bad choices about education, spouses, friends, associates, places to live, jobs to take, places to work, use of drugs, use of alcohol, health/home/car insurance, preventative health, life habits, smoking, etc. The list goes on and on. They also choose and drive the worst possible cars for the same bad reasons. I know this sounds harsh but in 90% of the cases it is 100% true. Life long poverty in the US is a largely self inflicted disease mostly caused by laziness, lack of self discipline, and bad choices/judgement.