"Poor people think the primary purpose of money is to pay bills. Middle-class people think the primary purpose of money is to pay their bills on time so they can maintain good credit, so they can buy more stuff they can't afford, but they can afford the payments. Rich people use debt totally. Poor people are afraid of debt. Middle-class people are used by debt. Rich people use debt to create wealth and avoid taxes legally. What? It's a different way of thinking."