That is an excellent quote - "Average people buy luxury first, while rich people buy luxury as the last thing!". I think we should all tattoo on our hands! It's very important to remember and follow this, and most people do not do it.

There's a news article couple years ago how some british guy won crazy amount £££ and spent it all in two years on expensive card, prostitutes, and parties. Two years later he was totally broke, just like before. If he was a bit smarter he could have buy many houses with that amount and enjoy vacation for the rest of his life ....