[PhasmaFelis]

> Being poor doesn’t mean you can’t plan

Chronic stress (such as from financial stress and working multiple jobs) actually does severely impact your executive function and decision-making ability. It's hard to make dispassionate decisions when you're exhausted and scared. There's been studies about it.

Obviously it's possible to overcome that, and some people are better at it than others. But the burden is real. When you're coming off a double shift, it's really hard to make the decision to spend an extra 45 minutes walking round-trip, or two hours hopping on and off buses, when you could just hit the Walgreen's near your apartment and get home to your family.