How to say solvency is entirely a matter of temperament and not of income. in Japanese

1)支払支払(shiharai) (n) payment能力能力(nouryoku) (n) low-ranking priest who does manual labour at a temple/male temple employeeは(ha) (int) indicating a subject/yes/indeed/well/ha!/what?/huh?/sigh全く全く(mattaku) (adv) really/truly/entirely/completely/wholly/perfectly/indeed/ good grief気質気質(kishitsu) (n,n-suf) spirit/character/trait/temperament/turn of mind/dispositionの(no) (prt) indicates possessive/nominalizes verbs and adjectives/substitutes for "ga" in subordinate phrases/indicates a confident conclusion/ indicates emotional emphasis/indicates question問題問題(mondai) (n) problem/questionで(de) (prt) indicates location of action/at/in/indicates time of action/indicates means of action/cause of effect/by/and then/so/indicates continuing action/ indicates certainty, emphasis, etc.あってno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verb、(、) Japanese comma収入収入(shuunyuu) (n) income/receipts/revenueの(no) (prt) indicates possessive/nominalizes verbs and adjectives/substitutes for "ga" in subordinate phrases/indicates a confident conclusion/ indicates emotional emphasis/indicates question問題問題(mondai) (n) problem/questionではでは(deha) (conj,int) then/well/so/well thenないない(nai) (aux-adj) not/emphatic suffix。(。) Japanese period "."    
shiharai nouryoku ha mattaku kishitsu no mondai deatte 、 shuunyuu no mondai dehanai 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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