Attitude about money. People who spend their money before they make it are usually the worst off.
Planning ahead to make your money work for you, rather than pay finance charges (a form of indentured servitude, if not outright slavery) is probably what separates most people with money and without.
Poor people can choose to spend less now, to make more later. They just choose not too.
Now, it is much easier to lose wealth than it is to gain it, but that is the nature of money and resources generally. People under-utilize the magic of compound interest.
This post was edited on 6/24 at 10:04 am