I want to address the issue of 'being lucky' raised earlier as in you choose a path based on your parents. I didn't. One of my parents was dead by the time I was 18, neither finished school. We were bought up in real poverty. Moving around, 5 different primary schools, 2 secondary schools, council house, benefits, temporary accommodation, family in prison, addicted to drugs, no holidays. To be honest I look back and think about the amount of money my mum spent on fags and do sometimes think, we could have had an annual holiday for that, but I understand it's an addiction.
People assume I am from one of those 'lucky' backgrounds based on how I present myself and the work that I do but both parents left school at 15, worked in low skilled jobs until my mum became a single parent when we were raised on benefits. I worked hard to get 10 good GCSES, 3 As at A Level, a first in my degree, a masters (with the offer of a funded PhD but I decided not to take it up) and a successful career. I have tons of savings in the bank too and bought my first house very young and now own another. I have friends from privileged backgrounds tell me how lucky i am!
I had/am having my kids at a point in life when I can afford it and am proud of the fact that I have never as an adult claimed benefits. I have been frugal and saved to cover times out of work, which fortunately have been few due to making myself employable.
I have worked bloody hard for this (full time shift work through full time uni) and battled against adversity so resent the 'lucky' comments.
There are choices but those choices are being made harder now. We now have a 'working poor' who are treated with contempt by the government and a housing crisis. Going to uni will no longer help with social mobility with even middle class graduates struggling to get a job.
Many people really don't choose to be poor but I agree with posters who say it isn't black and white. Some people don't help themselves or take up offers of education and support to get out of their predicament.