Are poor people "bad with money?"

There is a study (Brooking Institution, I think?) that claims that you will not be poor in the United States if you:(1) graduate high-school(2) work full-time(3) don't get pregnant before you're 21(I think those are the 3 conditions; the point is that poverty stems from dropping out of high-school or getting pregnant.)Apparently 40% of Americans can't afford a $400 emergency; my brother commented that these people must be bad with money or else it's inconceivable that they could be so broke.I got an interesting response here from u/green_salsa_verde:That "must be bad with money" comment has me reeling. Allow me to help you understand.We are burdened by kids, which makes things very hard for personal advancement through school. Past debt can siphon off meager income. Schedules conflict with finding a better job. Things you take for granted get more expensive the poorer you are: busses to get from work are more expensive than maintaining a car, and doctors visits are nonexistent. When medical care comes, it is disastrous in diagnosis and in cost because you've been avoiding care: you have no money. Even food is more expensive because it is of lower quality, and you have to buy more of it. I live in Los Angeles, so theoretically I have access to some of the most generous public services available, but these are all a joke. The wear on your stamina to fight this sinking abyss of poverty just gets worse the older you get, and the best you can do is work that crappy job with no benefits just to see your child one day go to college. Of course, you can't pay for it, but at least he has a chance if he takes out loans.I could go much deeper. I also come from a very upper middle class family, like yourself. That tragically ended and I've had to fend for myself. Looking back, I couldn't have had any possible idea what poor people were faced with when I had my status.The only thing I can tell you if you want to know and help is to get involved. Join food banks in passing out food and be in the soup kitchens in Skid Row. Not because you're doing anything for anyone because you're not- you'd probably just get in the way. But because you'd have the opportunity to go up to the poor and hold a conversation with them, maybe help them....give them a ride to a doctor's appointment the following day or just listen as they vent about their misery. You'd have the opportunity to see that there's nothing- not in personality, or education- nothing- separating you from them. It's just circumstantial.What do you guys think?Are poor people bad with money?My dad was a financial adviser, and he said that most of his clients were 100% financially illiterate, and were paying $7000 in credit-care interest annually and didn't even understand that that could be avoided if they paid off their card and were financially smarter.Also, u/green_salsa_verde mentions, "We are burdened by kids, which makes things very hard for personal advancement through school," and that makes me wonder about what age he had kids.Another person on this sub said that they themselves could not afford a $400 emergency. I asked them if they worked full-time, and they said that they did not.So I wonder about those 3 conditions above.