My mom was not poor by any means, but she was a depression baby — born just about a month before the stock market crashed. She paid off her credit cards when they came due and had no house payment when she went to buy a car, she thought she’d take out a loan. The interest was ridiculous because he credit bureau rating was low, not because she didn’t pay her bills but because she did.

The second thing you mentioned was about the rich not taking vacations. I remember my grandfather taking my grandmother on a two month trip to Europe. It wasn’t until recently that I found evidence that he visited several European glass factories and used the trip as a tax write off.