Não é muito difícil nem polêmico. Simplesmente não existe muita coisa séria sugerindo que vagabundice seja uma das principais causas da pobreza. O mais próximo que se chega e correlação de alguns traços positivos com melhor desempenho acadêmico e/ou mobilidade sócio econômica, no extremo positivo, ou problemas psiquiátricos, no lado negativo.
E renda e enriquecimento devem ser bastante correlacionados, é só pegar o outro texto que citei, os mais ricos, depois de pagar (caro) pelas coisas essenciais, ainda têm um monte de dinheiro de sobra, os mais pobres (na faixa de 15k por ano) têm um dólar por dia.
Se quiser procurar mais pelo assunto, o termo-chave é "conscientiousness", que seria meio que um antônimo de "vagabundice", apesar de ser talvez algo mais abrangente.
Who Does Well in Life? Conscientious Adults Excel in Both Objective and Subjective Success
Angela L. Duckworth,1,* David Weir,2 Eli Tsukayama,1 and David Kwok1
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Abstract
This article investigates how personality and cognitive ability relate to measures of objective success (income and wealth) and subjective success (life satisfaction, positive affect, and lack of negative affect) in a representative sample of 9,646 American adults. In cross-sectional analyses controlling for demographic covariates, cognitive ability, and other Big Five traits, conscientiousness demonstrated beneficial associations of small-to-medium magnitude with all success outcomes. In contrast, other traits demonstrated stronger, but less consistently beneficial, relations with outcomes in the same models. For instance, emotional stability demonstrated medium-to-large associations with life satisfaction and affect but a weak association with income and no association with wealth. Likewise, extraversion demonstrated medium-to-large associations with positive affect and life satisfaction but small-to-medium associations with wealth and (lack of) negative affect and no association with income. Cognitive ability showed small-to-medium associations with income and wealth but no association with any aspect of subjective success. More agreeable adults were worse off in terms of objective success and life satisfaction, demonstrating small-to-medium inverse associations with those outcomes, but they did not differ from less agreeable adults in positive or negative affect. Likewise, openness to experience demonstrated small-to-medium inverse associations with every success outcome except positive affect, in which more open adults were slightly higher. Notably, in each of the five models predicting objective and subjective success outcomes, individual differences other than conscientiousness explained more variance than did conscientiousness. Thus, the benefits of conscientiousness may be remarkable more for their ubiquity than for their magnitude.
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3498890/
Personality, Lifetime Earnings, and Retirement Wealth
Results
Question 1. Yes, more conscientious and emotionally stable adults have higher lifetime earnings. A
one standard deviation increase in conscientiousness is associated with a 9% increase in lifetime
earnings. A one standard deviation increase in emotional stability is associated with a 5% increase 3
in lifetime earnings. Both annual earnings and years of work show these effects, with the effect on
annual earnings being the primary influence on lifetime earnings. These effects are similar in
magnitude to the effects of measured cognitive abilities.
Question 2. Yes, more conscientious adults accumulate wealth as a higher proportion of their
earnings. The effects of husband and wife conscientiousness are comparable in size. A standard
deviation increase in husband conscientiousness is associated with a 12% increase in the ratio of
wealth to lifetime earnings, and the same for a one standard deviation increase in wife
conscientiousness.
Question 3. Yes, conscientiousness and emotional stability do compensate for one another to some
degree. A one standard deviation increase above the mean in emotional stability decreases the
impact of conscientiousness on lifetime earnings from 9% to 6% whereas a one standard deviation
decrease in emotional stability below the mean raises the impact of conscientiousness from 9% to
12%
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