Nice for you to make stuff up. The reality is that most statistics show that poor people tend to be much better with money than rich people. The myth that that poor people are poor because of poor management skills is just a stereotype that rich people tell themselves to feel good. Poor people are poor because they lack money. It's been shown over again the best way to get people out of poverty is to give them money. That's why microloan systems were so successful. Moreover financial training has essentially zero effect on lifting people out of poverty.