- 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.
If you look at a localized level, those percentages hold. If you look globally, the distribution across countries is stark. The poorest in richer countries, are often middleclass or higher in poorer countries.