Verbseoul.
하다 verb (adj)
가난하다gananhadapoor (not wealthy)

To say poor (not wealthy) politely in the present tense, use 가난해요 (gah-nahn-hae-yoh). Below is the full conjugation of 가난하다 across the three tenses and three everyday speech levels.

Conjugation table

TenseCasual (반말)Polite (요)Formal (합니다)
Present
가난해
gah-nahn-hae
가난해요
gah-nahn-hae-yoh
가난합니다
gah-nahn-hahm-nee-dah
Past
가난했어
gah-nahn-hae-ssuh
가난했어요
gah-nahn-hae-ssuh-yoh
가난했습니다
gah-nahn-hae-sseum-nee-dah
Future
가난할 거야
gah-nahn-hahl- -guh-yah
가난할 거예요
gah-nahn-hahl- -guh-yae-yoh
가난할 겁니다
gah-nahn-hahl- -guhm-nee-dah

Other useful forms

Command Polite (세요)
가난하세요
gah-nahn-hah-sae-yoh
Suggestion / Let's Polite (요)
가난해요
gah-nahn-hae-yoh
Question Polite (요)
가난해요?
gah-nahn-hae-yoh-?
Connective “and” — (고)
가난하고
gah-nahn-hah-goh
Conditional “if” — (면)
가난하면
gah-nahn-hah-myuhn
Noun form — (기)
가난함
gah-nahn-hahm