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This article examines the influence of the subjective experience of poverty on individuals' economic decisions using a behavioral economics perspective. It is shown that the perception of oneself as poor triggers a complex set of cognitive and emotional mechanisms (cognitive overload, learned helplessness, hyperbolic discounting) that provoke impulsive consumption, a refusal to save, and a reluctance to invest in human capital. Based on an analysis of empirical data and theoretical models, it is demonstrated that these behavioral patterns create a self-perpetuating poverty trap, reducing social mobility and hindering economic growth. Social policy approaches are proposed that take into account the behavioral constraints of low-income groups.
subjective poverty, behavioral economics, cognitive tax, learned helplessness, impulsive consumption, savings, poverty trap, economic inequality
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