Pluto is all about radical regeneration. Complete, total transformation, so that you can be your best self. Whether this means you will be richer or poorer is hard to say. Pluto and Venus rule money. Pluto is more in the line of buried treasure, though.
The second house is not simply about money. It's about values. How you value yourself, what you're worth, what your values are, in terms of the ethics and governing principles in your life. This usually includes money, but in Pluto's terms it's also the meaning and significance of money in your life, where your money comes from, what you do with it, how you use it and for what purpose. What do you buy? What are the implications of your decisions about what you buy? Just about everyone can be bought, one way or another. How are you bought? What are your values about safety and security--your own, and others'?
You seem to be terrified by the notion of being poor or living in poverty. Why? Perhaps you consider poor people to be less valuable than rich ones. Perhaps you imagine that wealth brings happiness with it. Perhaps you're really looking for security and you think that material wealth will get that for you. Most people in our world are poor. Why shouldn't you be one of them?
Pluto will insist that you consider all of these things. They're all about your personal character. You may find yourself in situations where you have to make hard choices or where you're faced with serious temptations. What you do will be a demonstration of who you are. And if you think you can keep your values hidden, Pluto will gleefully expose, uproot and publicize them. Pluto has no regard for secrets and so, during this transit, it would be a good idea to be completely transparent, within the law, on the level and clean because you won't be able to get away with anything for very long. Pluto will ensure that you're exposed as a cheater, a thief, an extortionist or a hypocrite, if any of those apply. Pluto will also allow you to come through with a shining record as a benevolent, generous man who gives more than he takes, pays his debts forward, cares for widows and orphans, all of that.
What happens will be up to you.
At the age of 22, you've posed a question about whether you will live in "eternal poverty." Very dramatic! But really, honestly, how long is an eternity to you? A month? Six months? A couple of years? Whatever it is, trust that Pluto measures eternity on a different scale. You might want to reconsider the question. My advice is to avoid tempting the gods, this one most of all.