I don't like being in debt, and I wouldn't borrow money for anything.
I've never had a very great public life.
I am in that glorious position where I can redesign and re-package my own work.
My own tastes happen to be in tune with what the public wants. I think that's the reason my batting average is so high, not because I've discovered some brilliant formula.
Constrained circumstances can bring the best out of you.
Having a think about whether you can afford 'this' or 'that' is a good discipline to have, to maximise what you can achieve to the highest standard.