People remain poor because of lack of planning and investment culture, people can. E a little but rich but poor of because of lack of planning, money is meant to be spent well without it individuals remain poor, invest more than your unnecessary expenses because you will be blamed later if you don't chanel your money well and again think of a little begining as a poor man don't always feel inferior make a move even when you fail continue trying it will favour you one day.
In essence, the inability to effectively manage finances is indeed a problem that is most commonly faced today. that is like wasting by buying things that shouldn't be a priority like branded goods that we don't really need.
but the main problem is that there is an imbalance between income and expenditure. someone who has minimal income, of course, it will be difficult for him to manage finances properly and correctly because basically the money he earns is not enough to meet his basic needs. so that the main problem that must be solved is to increase income and continue to increase the amount of income followed by good financial management