What does Maslow's quote of "If the only tool you have is hammer, you tend to see every problem as a nail" mean?

Maslow's quote seems to speak to the idea that "different
tools are needed for different jobs."  Literally, the quote argues that one needs a
multiplicity of tools to address the multiplicity of problems that one might encounter. 
In order to be useful and to have purpose, if a person only has a hammer, they tend to
see problems and their solutions in a narrow manner for their only possession is a
single tool.  It is here where there has to be an embrace of a widened approach to
solving problems.  Maslow's hierarchy of needs speaks to this.  At different points in
one's life, the needs and problems of individuals are different.  Some might face
challenges in the realm of basic subsistence, while others might face hurdles in
emotional or psychological condition.  The needs in both settings are different.  The
demands and approaches to solve problems are different.  It is in this light that
individuals would need different tools for the different jobs that await the
individual.  One of the reasons that Maslow's hierarchy is so unique is because it
argues that the individual endures consciousness in different phases and within each
phase are a different skill set of challenges needed.  It is here where understanding is
needed and where individuals must embrace the perspective of embracing multiple tools
for multiple jobs.