Theories of bounded rationality join process reliabilists in holding that rationality is ecological, or environment-relative. Most theories of ecological rationality, like most versions of reliabilism, have been externalist. In this paper, I develop a de-externalized account of ecological rationality. I show how the account retains many advantages of externalist accounts while avoiding key challenges. I conclude with an application to the psychology of poverty, focusing on the rationality of agents caught in poverty traps.