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I Don't Want To Say That The Poor Are Inherently Cognitively Diminished, But At The End Of The Day Of Making Difficult, Tough Decisions, It's Very Hard To Have The Energy To Think About Things With The Right Mindset.

In The U.s., I Think There Is An Ideology Of Not Telling Kids What To Do. Nobody To Tell You Who To Marry, Not Tell You What Job To Pick. You're Your Own Person. You Have The Freedom To Choose, Including The Freedom To Fail In Magnificent Ways. And I Think That's The Big Difference. In Other Countries There Is Basically A Social Norm About Saving That Is Passed From Generation To Generation. In The U.s. There Isn't.

You Can Think About Life As A Battle Between You And A Doughnut Shop. The Doughnut Shop Wants You To Eat Another Doughnut And Pay The Money, And You Want To Do It In The Short Term, But In The Long Term It's Not Good For You Either Financially Or From A Health Perspective.

The Problem Is That People Basically Dangle Debt In Front Of Us. And The Cost For The Poor Of Course Is Much Higher Than For The Wealthy.

If You Get People To Feel That They Are Putting Something, That They Are Creating It And So On, Their Love For The Project Would Increase. The More Something Is Yours, The More You're Willing To Invest In It.