***The poor are usually troubled by lower IQs, lower impulse control...***
When I had no money and got a job in a steel fabrication shop I noticed two types of workers there.
Those like me, glad to have a job and committed to stability, and those who would work for a few months, save lots of money, then quit and party for several weeks till the money was gone, then come back begging for a job again.
I looked for people who took $hit jobs, worked, and accepted responsibility as they advanced, most of those people still work for the company.