I had a professor once who was lecturing me on the relative merits of seeking a student loan, I think in this context for graduate school. His advice finally coincided in “get rich then get the education you yearn for.” It wasn’t particularly useful advice for the time, but he did mention something I’ll never forget. He said that both the miserably poor and the unbelievably rich can be crushed under the weight of debt. It seems that wants accrue as rapidly as things, and as most are not willing to wait for their labors to bear fruit, they will accept the misery of debt to render immediate their gratification. For those afflicted, being rich is not being wealthy; they will never have the self-assured confidence of financial stability, and they will always lust after in agony what is mere inches out of their reach.
You see, the truth is that real wealth lies not so much in what you possess but within the scopes of your wants. If cheap beer and billiards is all you need out of life, you can forever be wealthy while being a relatively poor man. On the other hand, if you lust after expensive liquors, beautiful women, and more beautiful cars, despite your riches you will never be wealthy.
It is the absence of want that makes wealthy.