Many founders of Eastern religions (like the Buddha) came from wealthy backgrounds and had no practical experience of life. Contemporary gurus like Krishnamurti also were financially well off. So can a person with no "real life" experience apply these teachings? Aren't these "rich man's" teachings? If I am down and out, would it be the best time to take up these teachings?
Everyone suffers, rich and poor alike; and what difference does it make what one calls out as his cause to ache, as long as the real reason for his pain remains hidden?
True spiritual teachings are for the poor in spirit, which is everyone who still believes that he will find an answer to his emptiness somewhere outside of himself. This includes blaming his financial affairs for why he is chronically negative.
It isn't what one possesses in this life, be it little or much - that makes a man's life what it is -- rather what he values above all else, moment to moment. True spiritual work is to awaken the man to the values he has called his own so that he may see that whatever he clings to that is making him feel like a victim, can't possible be valuable.