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Cha ching queen living a big life on a little budget.
ByGreg Wilson, CFA Updated onDecember 6, 2024 Reading Time: 10 minutes
Home » Galleries » What Poverty Really Feels Like: 15 Things Poor People Don’t Think You Understand

What Poverty Really Feels Like: 15 Things Poor People Don’t Think You Understand

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A woman with long brown hair rests her chin on her hand, looking upwards with a thoughtful expression against a light blue background. She is wearing a striped shirt.
Image Credit: DepositPhotos

Poverty affects millions of people around the world, shaping their daily lives in ways many of us can’t imagine. It’s more than just not having enough money. Poverty touches every part of a person’s life, changing how they live, work, and dream. 

In 2022, about 37.9 million people in the United States lived below the poverty line. That’s 11.5% of the population, according to the U.S. Census Bureau. For a family of four, the official poverty line was set at an income of $27,750. 

But what does poverty really mean for those living through it? It’s about more than just tight budgets and tough choices. Poverty shapes opportunities, health, education, and even how people see themselves. 

In this article, we’ll look at 15 important things everyone should know about poverty. These insights help us understand the challenges poor people face and why solving poverty is so important for all of us.

Table of Contents

  • Poverty Is Not a Personal Failure
  • Hard Work Doesn’t Always Pay Off
  • Saving Money Is Often Impossible
  • Struggle for Basic Necessities
  • No Safety Net for Emergencies
  • Gap in Financial Knowledge
  • High Cost of Just Living
  • Troubles in Transportation 
  • Mental Toll of Poverty
  • Education Barriers
  • Childcare Costs Break the Bank
  • Debt Snowballs Quickly
  • Reality of Food Insecurity
  • Health Problems Hit Hard
  • Happiness Feels Like a Crime
  • The Bottom Line

Poverty Is Not a Personal Failure

A woman with glasses, wearing a white shirt and blue jeans, sits cross-legged on a desk in a corridor with a contemplative expression.
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Many people think that if someone is poor, it’s because they didn’t try hard enough or made bad choices. This view is too simple and often wrong. The truth is, big problems in society play a huge role in keeping people poor. 

Things like not having good schools in the area, not many jobs available, and being born into a family that’s already poor can make it really hard for someone to escape poverty. It’s not fair to blame individuals when these big issues are stacking the deck against them.

Related: 15 Behaviors Of Someone Who Grew Up Poor (Like I Did!)

Hard Work Doesn’t Always Pay Off

A person with curly hair sits at a wooden table in front of a laptop, looking frustrated with both hands raised. A smartphone is placed on the table beside them.
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We often hear that if you work hard, you’ll succeed. But for many people living in poverty, this isn’t true. Lots of poor people work multiple jobs and put in long hours, but they still struggle to pay their bills. 

Why? Because many jobs don’t pay enough to cover basic living costs. When rent, food, and other necessities keep getting more expensive, but wages stay low, even the hardest workers can find themselves stuck in poverty.

Related: Are You In The Working Class? 25 Signs That Someone Is Working Class

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Saving Money Is Often Impossible

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For people not living in poverty, saving money might seem like a simple task. But when you’re poor, it’s often impossible. When every dollar you earn goes straight to keeping a roof over your head and food on the table, there’s nothing left to save. 

This means poor people can’t build up a safety net for emergencies or save for future goals like education or buying a home. It’s a constant cycle of just trying to survive day to day.

Related: Broke Always Seem To Waste Money On These 15 Expenses

Struggle for Basic Necessities

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Image Credit: iStock

People in poverty often can’t get the basic things they need for a decent life. Finding a safe, affordable place to live can be really tough. Getting good healthcare might mean choosing between seeing a doctor and buying food. 

Eating healthy food can be too expensive, so many settle for cheaper, less nutritious options. And good schools might be out of reach. All these challenges make it really hard for people to improve their situation and break out of poverty.

Related: Tired Of Spending So Much? 18 Cheap & Versatile Foods (With Video)

No Safety Net for Emergencies

Yellow sticky note with "Emergency Savings" written on it, surrounded by a pen, binder clip, papers, and US dollar bills on a wooden surface—subtle signs of a wealthy person who values financial security.

Most of us have faced unexpected expenses – a car breaks down, a tooth needs fixing, or a child gets sick. For people not in poverty, these can be stressful but manageable. But for those living in poverty, such surprises can be devastating. 

With no savings to fall back on, a single emergency can throw their whole life into chaos. This constant fear of what might go wrong adds huge stress to daily life for people in poverty.

Related: 17 Money-Saving Tips That Secretly Cost You More 

Gap in Financial Knowledge

Best Ways to Manage Your Money

Many people in poverty never get the chance to learn about managing money effectively. Things like budgeting, saving, or planning for the future might seem basic to some, but this knowledge isn’t always passed down in poor families. 

Schools in low-income areas often don’t teach these skills either. This lack of financial education makes it even harder for people to use what little money they have wisely, keeping them trapped in the cycle of poverty.

Related: 13 Pieces of Bad Financial Advice That Most People Still Believe (According to A CFA)

High Cost of Just Living

A person in a grey shirt is holding multiple U.S. dollar bills in both hands.
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Life keeps getting more expensive, but wages often don’t keep up. The cost of basic needs like housing, healthcare, and childcare is rising faster than many people can handle. 

For families already struggling to make ends meet, these increasing costs make it nearly impossible to get ahead. It’s like trying to climb a mountain that keeps getting steeper and higher.

Related: We Are Getting Ripped Off: These 37 Things Cost More Now, But We Get Less

Troubles in Transportation 

Two people wearing jeans and backpacks walk across a pedestrian crosswalk on a paved street.
Image Credit: Pexels

Getting around can be a huge challenge for people in poverty. Owning a car is often too expensive when you factor in gas, insurance, and repairs. Even public transportation can eat up a big chunk of a low income. 

This lack of reliable transportation makes it hard to get to work, especially if better job opportunities are far away. Being unable to move around freely limits opportunities and keeps people stuck in poverty.

Related: How to Get a Free Car: Everything You Need to Know

Mental Toll of Poverty

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Living in poverty isn’t just hard on your wallet, it’s also really tough on your mind. The constant stress of not knowing if you’ll be able to pay rent or buy food can lead to anxiety and depression. Feeling hopeless or ashamed about your situation adds to the mental burden. 

But here’s the cruel twist: mental health care is often out of reach for those who need it most due to cost or lack of access. This creates a vicious cycle where poverty worsens mental health, and poor mental health makes it harder to escape poverty.

Related: Are You Lower Middle Class? 28 Signs Someone Is Lower Middle Class 

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Education Barriers

Two children sitting at a wooden table, writing in notebooks with pencils. One has a white and blue striped sweater, and the other wears a green sweater. Papers with printed text are also visible.
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A good education can be a ticket out of poverty, but for many poor families, that ticket is too expensive. Low-income areas often have underfunded schools that struggle to provide quality education. 

Even if a child does well in school, college might seem impossible due to the high costs. Without access to good education, it’s much harder for people to qualify for higher-paying jobs, which keeps the cycle of poverty going for another generation.

Related: How to Save Money in College: Unlocking the Secrets that Save Students Money!

Childcare Costs Break the Bank

Two young girls are playing with colorful building blocks and toy figures at a round table in a well-lit room.

For parents living in poverty, childcare costs can be a huge problem. Quality childcare is so expensive that it can eat up a large part of a low-income paycheck. This leaves parents with tough choices. 

They might have to quit their job to care for their kids, or they might choose cheaper, lower-quality childcare options. Both choices can hurt the family in the long run. Quitting work means less income, while poor-quality childcare can affect a child’s development and future prospects.

Related: What To Teach Kids About Money: An Expert Weighs In

Debt Snowballs Quickly

debt

When you’re living paycheck to paycheck, unexpected expenses can force you to rely on credit cards or high-interest loans just to get. These debts can quickly spiral out of control. 

High interest rates mean the amount owed grows fast, making it harder and harder to pay off. This growing debt adds more stress and makes it even more difficult to break free from poverty.

Related: How to Get Out of Debt Quickly

Reality of Food Insecurity

A young boy holds an empty white bowl up to his mouth, gazing directly at the camera. He is wearing a gray and green striped shirt.
Image Credit: iStock

Many people in poverty face a daily struggle with food insecurity. This means they don’t always know where their next meal will come from. They might have to skip meals, rely on food banks, or choose cheap, unhealthy food options just to avoid going hungry. 

This constant worry about food not only causes stress but can also lead to health problems down the road. It’s hard to focus on anything else when you’re not sure if you’ll have enough to eat.

Related: 16 Budget-Friendly Meals to Stretch Your Grocery Budget 

Health Problems Hit Hard

A healthcare provider measures the blood pressure of an older adult woman using a sphygmomanometer in a clinical setting, reminding her to stop doing these if 75: strenuous exercises and unapproved medications.

Poor health and poverty often go hand in hand. People in poverty might not be able to afford regular check-ups or necessary medications. They might live in areas with more pollution or less access to safe places to exercise. 

Healthy food can be too expensive or hard to find in their neighborhoods. All these factors lead to more health problems among people in poverty. And when health issues do arise, they can be devastating, leading to missed work, high medical bills, and a further slide into poverty.

Related: 30 Ways to Save on Prescription Medications

Happiness Feels Like a Crime

A person with long hair in a white shirt smiles while looking at a window display on a city street.
Image Credit: Pexels

Living in poverty can make even small joys feel out of reach or undeserved. The constant stress of financial struggles can overshadow everything else. When you’re worried about keeping a roof over your head or food on the table, taking time to enjoy life can feel wrong or selfish. 

This guilt about experiencing happiness adds another emotional burden to the already heavy load of living in poverty. It’s a sad reality that poverty can rob people of not just material comfort, but also the simple pleasures of life. 

🙋‍♀️If you like what you are reading, then click like and subscribe to my newsletter. We share tips to waste less time and money.

The Bottom Line

A woman with curly hair sits on a bed holding a young child who is hugging a teddy bear. They are in a room with exposed brick walls and folded clothes nearby.
Image Credit: iStock

Poverty isn’t just about money. It’s a complex web of challenges that affects every part of life. These 15 realities show us how tough it is to escape poverty’s grasp. They reveal a system where hard work alone often isn’t enough to get ahead.

Most importantly, we can change how we think and talk about poverty. Let’s move away from blame and towards understanding. Every person deserves a fair shot at a good life. As we work together to tackle poverty, we create a society that’s better for everyone.

Remember, behind every statistic is a real person facing these challenges. Our actions, big and small, can help build a world with less poverty and more opportunity for all.

🙋‍♀️If you like what you just read, then subscribe to my newsletter and follow us on YouTube.👈

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AI was used for light editing, formatting, and readability. But a human (me!) wrote and edited this.

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