Seven Everyday Things Poor People Worry About That Rich People Never Do
It isn’t just poor people’s lives which differ from rich people’s lives – it's poor people's thoughts that differ from everyone else's.
By Carmen Rios /

Being poor is hard work. And it’s a hell of a mind game.

I grew up with my brother in a working-class home headed up by a single mother. We were rich in love and support and – because of Mom’s passion for baking – cheesecake.

But we were not rich in money.

Watching my mother struggle to make ends meet fundamentally changed my relationship to money, even to this day.

Over the years, I’ve realized that it isn’t just poor people’s lives which differ from rich people’s lives – it’s poor people’s thoughts that differ from everyone else’s.

Being poor means that every worry is secondary to money. It means that every experience is centered around money. It makes money, which is ironically something you possess little of in contrast to other people, more central to your everyday life than theirs.

Being poor means you worry a lot more about common, everyday things than everyone else – whether they’re middle class, super rich, or somewhere in-between.

Here are some examples.

1. We’re not planning for the future – we’re planning for right now

Investments make sense. Buying higher quality products that last longer than their cheaper counterparts makes sense. Spending money upfront instead of paying interest on loans makes sense.

But when you’re poor, none of that matters.

What matters most when you’re struggling financially is the bottom line: how much money you’re letting go of in one moment and how much is left at the end of each day.

Being poor is expensive.

It means buying stuff at full price because you couldn’t afford to buy it when it was on sale; it means making minimum payments on your credit card bill to get by even though all you’re really paying off, at that point, is your accrued interest; it means buying things that will rip, break, or run out faster than their more expensive counterparts because it’s all you can afford.

What this means for poor people is that they often lose out in the long run.

When I got my day job, I realized I could finally afford “investments,” albeit tiny ones.

I can go to the grocery store and buy things that are on sale, even if I don’t intend to eat them before my next trip. I can afford to pay more than the minimum on my student loans. I can spend a little more to buy stuff in bulk rather than save pennies by buying the smallest amount of something at once. I can buy stuff based on overall value, and not just cost.

When I was underemployed or in college, that wasn’t how my money worked. I used to go into the grocery store with a budget for the week and bought what I could get for the least amount of money, not what would last the longest or cost less over time.

2. We have to make money (and purchases) last as long as possible

It goes without saying that being poor makes you frugal.

After all, scrimping and saving become ways of life when you don’t have enough money to make ends meet, and spending superfluously when you’re in the red would never make sense.

A lot of my own habits and ways of thinking have roots in my financial anxieties.

I try to reuse so many things.

I set, and strictly follow, a budget. I resist brand loyalty. I put in more time and effort if it means saving a little money in the long run, like going to different stores for different items or taking on a chore other people might have done professionally.

And I second-guess every tiny purchase.

It isn’t just pinching pennies that saves you nickels and dimes when you’re struggling – it’s also stretching your means as far as they can go.

For people living in poverty, “the value of a dollar” isn’t just a saying – it’s a way of life. How much things cost, and how much cost you incur to survive, become the metrics by which you measure your life.

Poor people will eat what they can afford, not what is most nutritious – and it’s one of the leading contributing factors to so many unjust health issues that people incur. We live in a country where most families can afford to eat dinner at Burger King, but can’t afford to buy fresh fruit on a regular basis.

Poor people may not open up bank accounts because they can’t meet the account minimum standards. This could mean they’re not accruing or building credit – making it more difficult for them to secure housing, rent cars, or even get jobs.

For poor people, what things cost become a priority –  and it comes before comfort, value, opportunity, and even your own physical and mental needs.

3. The risk of emergencies and other costs informs almost every decision we make

Unexpected costs are more than inconvenient when you’re poor – they’re liabilities.

When you’re living to the last dollar or have barely amassed any savings, the risk of emergencies or other large, upfront costs is something you factor into your thought processes more often than others might.

A poor person, for example, might decide where to go on vacation or even where to live based on how far they think their car can go without breaking down. They may avoid going away altogether to avoid paying for those repairs, or to extend how long they can go before they have to.

A poor person also might consider their healthcare costs differently than someone with a more secure financial stream would. Poor people are less likely to utilize preventive care, leaving them more susceptible to medical emergencies later on that could have been avoided.

Poor people also might evaluate their options differently when it comes to seeking out wealth, which is often formed through taking risks. Think of the inherent financial insecurity in opening up a business, investing money in stock or a burgeoning corporation, or even relocating to seek out better opportunities.

For the poor, those risks may not be worth worth it in the long run, leaving them with less chances of breaking out of the cycle of poverty.

4. Affording shared experiences is a luxury we often don’t have

For my mom, everything from pooling money with friends and coworkers for gifts to figuring out how to send me to Washington, DC with my graduating class brought as much stress as it did joy.

It’s easy for us to assume that the people around us are all living with the same resources we have. But that isn’t always true.

And poor people, because of those assumptions, could find themselves choosing between common and shared experiences or putting food on the table.

It can be hard to remind ourselves that our neighbors, coworkers, friends, and community members have unique experiences – and, perhaps, financial insecurities – that could prevent them from accessing some of the resources, programming, and social spaces that we love.

For example, it can be easy when you’re enrolled in a mostly residential college to forget how other people’s lives are still impacted by their class.

My friends in college came from a variety of financial backgrounds. We all arrived on what looked, to the naked eye, like equal footing: We were all freshman, we were all enrolled in the same university, and we were mostly on-campus and eating at the cafeteria three times a day.

But for folks who came from less secure financial backgrounds, activities like going to concerts, going out to eat, or even ordering pizza after a night out dancing merited serious consideration and were sometimes ultimately not a priority or not possible.

For poor people, being asked to share or split costs for food, housing, or even a night out can cause tension and anxiety.

After all, what if I agree to split my groceries with you each week and then you buy all organic, high-end produce? What if we go out to eat and I order something cheap and you order lobster and say we should split the bill evenly?

Being able to give equally to something often requires the assumption that we’re all coming to that process with the same financial capacity. For poor people, that sometimes means ultimately missing out.

5. Getting to work and back home again is often not an option

For many poor people, employment is a pivotal fact of life. Working is key to developing financial stability or scraping by.

But what happens when you don’t have a car, and your dream job is ten miles from the nearest bus stop? What happens when you can’t afford childcare for a full day’s work? What happens when you can’t afford a suit for that interview?

For poor people, worrying about work encompasses worrying about how much work – or even landing a job in the first place – costs.

In Phoenix, a homeless woman recently faced felony charges and the threat of jail time for leaving her kids in the car during a job interview. She couldn’t afford childcare and didn’t want to explain that to her potential employer. In the eyes of the city, she had abused her children.

Across the country, part- and full-time low-wage workers are unable to make ends meet. For workers at Walmart and McDonald’s, for example, a day’s work doesn’t cover the cost of living.

These people are vulnerable because of their class, and their class inhibits their ability to access social mobility. Although they need to rise above the most – literally, to survive – they face the most obstacles in making ends meet, whether it’s by struggling to land a job or struggling to live off that job.

We need to challenge ourselves to consider what prevents the poorest around us from seeking or securing employment – be it lack of affordable housing near a potential job, rising childcare costs, a constantly decreasing social safety net, or a lack of support for the homeless.

6. We’re constantly trying to figure out what we can sacrifice to save money

You would be hard-pressed to find a poor person who doesn’t wonder what they could be doing to save even more money.

Poor people are already in the practice of going without or making things work with less than what’s standard, but those mechanisms still allow room for guilt, and that guilt can be consuming.

When money is scarce, we – as people who live in a society heavily centered on capital – aren’t going to have an impulse to spend what we have ‘til it’s gone. Instead, when money is scarce, we will scramble to make it go further.

That means we will consider, over and over again, what we can go without, what we can get rid of, and what we can do differently to cling to even more of it over time.

Every time a poor person spends money, there is anxiety.

It’s not surprising, especially when you factor in how harshly the homeless are judged for using cell phones and the public figures who publicly announce that they don’t think you’re poor if you own an air conditioner or—you know—eat nourishing food.

That anxiety and pressure pushes us to sacrifice. To go without. To punish ourselves and make ourselves struggle harder in order to feel like we’re redeeming ourselves for what is, ultimately, seen as one of the biggest failures in our culture: poverty.

7. Asking for help in this culture is often painful and shame-inducing

Despite the burden of poverty, many people struggling with financial insecurity aren’t reaching out for help.

For many people struggling with financial insecurity and poverty, asking for help means first overcoming a deep sense of shame. Our social stigma around poverty is heavy, and it’s everywhere.

For the homeless, asking for help can lead to arrest. For parents, it can lead to the intervention of social services. The dominant narrative of people “pulling themselves up by their bootstraps” convinces poor people that struggling in silence, and alone, is better than admitting not only a failure to thrive but a failure to overcome their poverty.


I grew up working class, and I know things could have been much worse. We had shelter, and we ate hot meals. We had love and support and stability.

But it’s still hard for me to contend with the world, even with my college degree in-hand and an office to myself. I still feel shame about my relationship with money. I still feel bad being frugal and risk-averse. I still feel embarrassed telling the truth about where I come from.

I still feel like my story somehow speaks to who I am as a person. I still feel like my wealth, and my mother’s wealth, defines my character and her parenting ability. I still feel the stigma.

We must create a more supportive culture for the poor if we want to end poverty.

Being aware of our own class privilege and the experiences of those who aren’t financially well-off is a strong first step to getting there.

Carmen Rios is a Contributing Writer for Everyday Feminism. She splits her time disparately between feminist rabble-rousing, writing, public speaking, and flower-picking. A professional feminist by day and overemotional writer by night, Carmen is currently Communications Coordinator at the Feminist Majority Foundation and the Feminism and Community Editor at Autostraddle. Her Twitter is @carmenriosss, and this is her Tumblr.

4.5 ·
What's Next
Trending Today
Noam Chomsky Has 'Never Seen Anything Like This'
Chris Hedges · 33,553 views today · Noam Chomsky is America’s greatest intellectual. His massive body of work, which includes nearly 100 books, has for decades deflated and exposed the lies of the power elite...
For Those Who Don't Want to Vote for the Lesser of Two Evils
Peter White · 13,519 views today · Ranked-choice voting is catching on, and Maine might become the first state to help citizens vote for candidates they actually want.
10 Quotes From an Oglala Lakota Chief That Will Make You Question Everything About Our Society
Wisdom Pills · 13,369 views today · Luther Standing Bear was an Oglala Lakota Sioux Chief who, among a few rare others such as Charles Eastman, Black Elk and Gertrude Bonnin occupied the rift between the way of...
HyperNormalisation (2016)
161 min · 11,002 views today · We live in a time of great uncertainty and confusion. Events keep happening that seem inexplicable and out of control. Donald Trump, Brexit, the War in Syria, the endless...
Your Lifestyle Has Already Been Designed (The Real Reason For The Forty-Hour Workweek)
David Cain · 8,762 views today · Well I’m in the working world again. I’ve found myself a well-paying gig in the engineering industry, and life finally feels like it’s returning to normal after my nine months...
Anarchists - What We Stand For
unknown · 8,639 views today · Anarchism : The word “anarchy” comes from Greek and means “no rulers”. As a political philosophy, anarchism is based on the idea that organization does not require rulers—that...
Donald and Hobbes Is Genius
Various · 5,340 views today · Some clever folk have been replacing precocious 6-year-old Calvin, from the Calvin and Hobbes comic strips, with Donald Trump and the results are, well, take a look...
Our Obsession With 'Good Immigrants' Breeds Intolerance
2 min · 5,018 views today · Society sets the bar so high to become a 'good immigrant', argues writer Nikesh Shukla, that normal immigrants are demonised. He says non-Brits in the public eye have a simple...
The Important Difference Between Love and Being Loved
2 min · 1,979 views today · We talk of love as if it were just one thing: in fact, it’s two very different moves, Loving and Being Loved. You start to grow up when you stop focusing on the latter and get...
Introversion Is Not a Personality Fail
Cat Elz · 1,940 views today · A few years ago, I got into an argument with my now mother-in-law over my supposedly “backwards” ways. My transgression? I did not attend a party of my now husband’s (then...
Today I Rise: This Beautiful Short Film Is Like a Love Poem For Your Heart and Soul
4 min · 1,909 views today · "The world is missing what I am ready to give: My Wisdom, My Sweetness, My Love and My hunger for Peace." "Where are you? Where are you, little girl with broken wings but full...
Bird Watching on Lesvos Island - A Poetic Call to Stand With Refugees
3 min · 1,903 views today · Born in Darfur, Sudan and raised in Philadelphia, Emi Mahmoud is the 2015 World Poetry Slam Champion and the Women of the World co-Champion of 2016. From a young age Emi...
The Untold History of Palestine & Israel
22 min · 1,885 views today · Previewing Abby Martin’s on-the-ground investigation in Palestine, The Empire Files looks at the long history of Zionist colonization, expansion and expulsion of Palestine’s...
My Cuba - An Intimate Look at the Pleasures and Struggles of 6 Different People's Cuba
150 min · 1,719 views today · Cuba - diverse, vibrant and complex - is undergoing immense change. But what does it mean to be Cuban in this time of change? Six people. Six films. From the comedy and ballet...
Planet Earth II Could Be Best Nature Doc Ever Made
3 min · 1,511 views today · 10 years ago Planet Earth changed our view of the world. Now we take you closer than ever before. This is life in all its wonder. This is Planet Earth II. A decade ago, the...
Alliance of 600,000 British Doctors Calls for 'Imperative' Coal Phase-Out
Nadia Prupis · 1,231 views today · Doing so would constitute 'double win for tackling the twin health threats of air pollution and climate change,' report states
What Makes Call-Out Culture So Toxic
Asam Ahmad · 971 views today · Call-out culture refers to the tendency among progressives, radicals, activists, and community organizers to publicly name instances or patterns of oppressive behaviour and...
World's Low-Cost Economy Built on the Backs of 46 Million Modern Day Slaves
Deirdre Fulton · 938 views today · 'Business leaders who refuse to look into the realities of their own supply chains are misguided and irresponsible.'
Are You Lost in the World Like Me?
3 min · 871 views today · Animated film by Steve Cutts for 'Are You Lost In The World Like Me?', taken from These Systems Are Failing- the debut album from Moby & The Void Pacific Choir. 
Donald Trump Is the Mirror and Hillary Clinton Is the Mask
Chris Agnos · 869 views today · Disclaimer: I do not support Donald Trump or Hillary Clinton for president. I think the scope of the political debate is far too narrow for the kinds of actions that need to...
Load More
Like us on Facebook?
Seven Everyday Things Poor People Worry About That Rich People Never Do