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lack of money, it is the lack of a safety margin to deal with everyday problems. As a result, immediate problems draw people’s attention and as people use cognitive resources to solve these problems they have fewer resources left over to solve or even notice other problems. The poor face more urgent tasks and don't have as much (or any) attention time to spend on important tasks. To illustrate, you must get to work on time or you are fired. Your car won’t start, and you have 15 minutes to make the trip that takes 10 minutes after your are picked up by the school bus. Quick, solve your problem with the $ you have left for the week. Poor people have old cars. Old cars are unreliable. A good week is only worrying about car problems. A bad week is losing your job because your car broke down. If you never had the resources to learn how to drive, or cannot afford a car, you waste huge amounts of time walking or waiting for public transportation, which it time you can't spend dealing with other urgent matters, let alone important ones. In this situation, it is very easy to get overwhelmed by problems that wouldn't be any big deal to people who have never been poor. No wonder a poor person can come across as incompetent to someone who has never been in their shoes. Here is a study on the cognitive overload faced by poor people:
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