Yeah, I agree with Steve. I realize that some people face problems that are insurmountable (serious health problems, etc), but the principles involved in personal finance apply to anyone at any income level. Someone who deeply understands the issues that this forum focuses upon could probably be dropped into an unknown city with $100, and they would thrive because they would immediately know what to do to succeed financially. I once read about a Vietnamese couple who came to the USA with nothing. They got jobs in a small restaurant, worked very hard, and talked the owner into letting them live in a storage room behind the restaurant as part of their pay. Within a few years they owned their own restaurant and had acquired considerable wealth.
I once talked to a guy who said that he couldn’t find a job. I suggested that he offer to work for free to prove what a good worker he was. He looked at me like I was crazy, but I once hired a guy who made that offer to me. I hired him at a decent wage because I figured that anyone with that attitude must be a good bet.
Privilege might be a factor for some people (due to a great education, being born into a wealthy family, etc), but it doesn’t have to be.