I may be missing something on a larger scale, but that is definitely true about all poor people i know (for almost all of them, i see an easy way how they can quit poverty in a few years, apart from a couple very sad examples), and every rich person i know, too (while again, it may be just my perspective: i don't come from a rich family so i don't know anyone who was born rich).

It doesn't work as easy for older poor people. Sad for them, but it is only a result of their mistakes in younger age.