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The speaker discusses how the three different classes of people view money. The lower class tends to spend money they don't have, often using credit cards, which keeps them from getting ahead financially. The middle class is more responsible with their money and tends to save, but they may not be gaining much financially and may have to work until they are 65 to retire. The upper class, on the other hand, invests other people's money, lives the life they want, and uses other people's money to grow their wealth. During a recession, wealth transfers from the middle and lower classes to the upper class because of their different views on money.
The speaker discusses how the three different classes of people view money. The lower class tends to