" - hmm, say a credit sells for two hundred alien dollars, and a typical salary is 40 alien dollars a year. The difference between living as frugally as possible and living very lavishly is like the difference between living expenses being twelve dollars and being twenty, but most of that is - the best consumer goods as soon as they come out and a nice apartment with no roommates right near where you work and food delivered to your house every day, it's not things like refrigerators. The difference between 'as frugally as possible' and 'frugally, but with refrigerators and new clothes whenever you notice the old ones getting worn' is maybe twelve and fourteen?
And if you're putting the rest of your money towards a credit, that means in one case it takes you seven years and a bit, which means eight because you have to have the money up front and in the other it takes you seven years and a half, which also means eight.
That's not how it is for blues but it's approximately how it is for everyone else."