, there are plenty of rich and middle class people who are drunks, drug addicts, and poor money managers. In fact, quite a few rich people have become bankrupt, proving that it's not how much money we earn or spend but how much we save that determines our wealth. But the difference between the rich and the poor is that unless they are nouveau rich and don't have any rich friends, the rich folks can be bailed out by other rich folks when they spend their money foolishly. Most middle class folks also have relatives who can help when they are in a tight spot. For example, because I'm a better money manager than my brother, I have bailed him out several times, including when he was about to lose his house. But people who are born into poor families don't have anyone to bail them out when they have bad habits, so they end up homeless or on welfare.