In regard to acquiring and spending money, there three are types of people in the world: (1) workers and savers, (2) workers and consumers, and (3) loafers and consumers. I did not include a fourth category for "loafers and savers", as loafers have a natural tendency to be consumers instead of savers. Besides, those for whom money comes easy have no particular motivation to be savers.
I would classify myself as type number one because I have worked for everything I've ever gotten and I tend to save a good portion of my money, instead of spending it all. Today, I believe most Americans would fall into category two, as they are hard workers but generally spend their money as fast as they make it, while piling up tons of debt. Of course, we all know a few people who fall into category three, i.e., those who do little or no work but, with the benefit of family fortunes, government assistance, litigation, and/or leeching off others, always seem to have plenty of money to spend -- and spend it they do.
As I mentioned above, I am a worker and saver. But that's only because I some day hope to become a loafer and a consumer. One of my biggest fears is that I will end up spending my entire life as a worker and a saver in order to allow someone else to become a loafer and a consumer.
Those who are workers and consumers are likely to remain that way until they die or become disabled. Even if they were to inherit a large amount of money or win the lottery, they would still have to eventually start working again to feed their addiction to consumption. Those who begin their adult life as loafers and consumers never seem to lose their flair for uncovering sources of undeserved spending money.
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