A monk's life in those days was austere and severe. They rose at 3 am for first prayers and prayed 8 times per day. The legend is that Luther was caught in the open during a thunderstorm and made a bargain with God to become a monk. He found he did not like the monastic life and eventually was ordained a full priest and eventually attained a doctorate and a position at the University of Wittenburg.
Wikipedia has this photo of his house:
Hardly a poor man's house - he also owned land and had either sharecroppers or paid others to farm for him. He also married a former nun that he spirited away from a convent. He argued vehemently against defending Europe from the invading Turks and it wasn't until the Siege of Vienna that he finally came to his senses - with the realization of a true enemy on his own doorstep, being in Germany and the enemy threatening Austria. Three days before he died, he delivered his last sermon which was entirely devoted to driving all the Jews from Germany.
Wealthy? Look at the size of his house - which is even more telling since the houses in urban Europe are a lot smaller than in the US. He indulged in a lot of forbidden fruits including the rejection of both monastic and priestly vows and in the marrying of a nun.
Self indulgence, wealth and luxury. And extremely anti Semitic. If he were alive today, he'd make a fortune on TV.