She's right, many people often prescribe things that are what middle and upperclass people do to reduce debt in their lives rather than what poor people can do

She's right, many people often prescribe things that are what middle and upperclass people do to reduce debt in their lives rather than what poor people can do to get out of poverty, and don't understand how life changes. A big example is how much not having a stable, 40 hour a week job can work over a person. A lot of lower paying jobs are part time, with variable schedules and hours that often flux from 4-32 hours a week. This hurts things like planning for the future or attending college, because there's no stability to plan for; you may have to skip a semester because work suddenly dropped you to 8 hours a week in one of your jobs, or they called you in and the choice is either to skip class, or lose even more hours since they tend to punish people in these jobs by reducing their schedule. A big part of being poor is having large amounts of unchosen instability in your life. Even a low wage of $10 an hour is survivable if you can count on 40 hours a week and long term employment, but if you can't rely on even working the same hours or you constantly need to rely on contractor or temp services that churn you out of a job every few months or weeks, that instability prevents you from getting into a stable, affordable life.