• Poor see money as a way to pay bills and manage debt ⇾ 70%
  2%

• Middle see money as a way to build credit for larger spends ⇾ 20%
  1%
• Rich see money as a way to make more money ⇾ 10%

It is assumed that the majority club is in the first group and is estimated at 70%, from there, only 2% will make it into the second club and therefore, perhaps 1% of these will become the second club.

I prefer my peace of mind, my tranquillity.