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1. I did not have any money because I had lost my wallet.

2. I do not have any money because I lost my wallet.

3. I do not have any money because I lost my wallet.

Are all fine?

What is the difference in the meaning between the second and the third sentences?

If you lose your wallet, I think it is fine to use the present perfect tense.

Natural sentence is the simple present tense which is the third one.

Your thoughts are welcome.
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Are you sure you have types #2 and #3 correctly? There is no difference between them - they are exactly the same.

Was one meant to say "...I have lost my wallet"?
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Rotter1. I did not have any money because I had lost my wallet.
2. I do not have any money because I lost my wallet.
3. I do not have any money because I lost my wallet.

Are all fine?
What is the difference in the meaning between the second and the third sentences?
If you lose your wallet, I think it is fine to use the present perfect tense.
Natural sentence is the simple present tense which is the third one.
Your thoughts are welcome.
They are all fine. 2 and 3 are identical.
Sentence 1 implies that you are telling a story about something that happened in the past.

I think you meant sentence 2 to be:
I do not have any money because I have lost my wallet.
If this is what you meant, it implies that you lost your wallet just a few moments ago -- very recent.

Sentence 3 implies that you lost your wallet further back in time -- perhaps a few days ago.
Thanks for the replies.

3. I do not have any money because I lost my wallet.

I made a blunder. The above should read as follows:

4. 3. I do not have any money because I have lost my wallet.

I posted the question last night. I posted it just after arriving home from the gym. I was hungry. I wrote it while food was cooking. I am sorry to make this blunder.
No problem - we understand!
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