00:00Now, even with that lie, what most people do
00:04is they actually spend more money than they make
00:07by using their credit cards
00:10and by financing things on terms.
00:14So they use their credit card
00:17because they can't afford to buy this item for $600.
00:20So they use their credit card and they buy it,
00:22and then they think,
00:23well, I can afford the monthly payments.
00:26You're gonna stay broke that way.
00:28Wealthy people live below their means.