Fair enough. I didn't only focus on the other sentences though. That sentence just doesn't make sense to me as to me it isn't a mindset but a horrible situation. I guess it also confused me because if people aren't held back by financial constraints that would stop them from doing stuff like investing, to me they aren't poor. They might not be rich but to me they're not poor if they have spending or investing money. I guess that's where the confusion really came from as to me the people who can take the sorts of opportunities you mentioned in your article aren't poor. They might be lower or middle class / working class but I wouldn't have called that being poor. It's certainly a better situation than some of us are in. Again I know I'm better off than some in third world countries, so that could be applied to me by someone in that situation, but I still would hesitate to call someone with disposable income to use for investing or spending poor. The statement also was at the very top of your article and I read the whole thing so maybe by the time I was at the end and commenting, that point got a little lost after reading the rest of it. I think I get what you're saying. The confusion arose from our different views of what poor people can afford to do.