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I’m in need of a new laptop and I’m considering making the switch from windows to apple. Apple has refurbished MacBooks categorized by M1, M2, or M3 chip. I’m not tech savvy and would really appreciate an opinion on it. I use it for very basic stuff such as ms office, but I’m not a fan of the window updates.
I was gonna say, having lots of liquid cash on hand says “rich” to me. Having a high credit card balance you can’t pay every month says “poor”.
There's also often a difference between how generationally/long-term rich people versus temporarily rich people approach it; the former tend to be relatively understated and less conspicuous/flashy, live within their means, and always have an eye on where to cut costs, while people who have suddenly found themselves wealthy can very quickly and easily spend themselves into a very deep hole. Plus just the sheer number of rich people who could easily be busted for tax evasion in one form or another, whether employing/paying people for services under the table, accepting payments for things in cash, making huge purchases in cash without paying sales taxes, etc. Credit/transactions conducted through a bank are for things that are write-offs, or conspicuous (main income, real estate, etc.).
TLDR, 'real' rich people aren't just good at spending money, but at saving it. And one of the ways a lot of them save it unscrupulously is by cutting the government out of getting a cut of a lot of transactions, which tends to mean cash. More above board, it means not paying interest on credit card balances.