Poverty affects a lot:

This might suggest something even deeper than the idea that poverty’s stress interferes with our ability to make good decisions. The inescapability of poverty weighs so heavily on the author that s/he abandons long-term planning entirely, because the short-term needs are so great and the long-term gains so implausible. The train is just not coming. What if the psychology of poverty, which can appear so irrational to those not in poverty, is actually “the most rational response to a world of chaos and unpredictable outcomes,” he wrote.

There’s a lot more to being in poverty than simply not having enough money.