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Question:

What happens if you have a four wheel?

And you don‘t have the the money to get it fixed so it‘s a two wheel? Does this affect the truck?

Answer:

It sounds like the transfer case malfunctioned. Do you have front wheel drive or do you have rear wheel drive? If you're stuck with front wheel drive you really should get it fixed soon, it's burning more gas ($). If you've got rear wheel drive you should be ok!
Depends on how it is broken. If it is stuck in two wheel drive and you have no noise then you should be fine to drive it. If it is stuck in 4 wheel high or low then it could cause problems. It really depends on the vehicle as a lot of newer vehicles are advertised as 4 wheel drive but are closer to all wheel drive due to how the transfer case works.
The 2 wheel/4 wheel drive vehicles are designed to run fine in 2 wheel, so i would say that you are ok. The drive system was developed to perform in either setting, so just start putting money aside to get the quadra-drive unit serviced.

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