Reminds me of a tweet from Tay Zonday

"Being poor now just leads to being more poor later. Can't pay to clean your teeth? Next year, pay for a root canal. Can't pay for a new mattress? Next year, pay for back surgery. Can't pay to get that lump checked out? Next year, pay for stage 3 cancer. Poverty charges interest."

Don't worry. You'll have plenty of others with you soon.

Sir Terry Pratchett wrote of it very well - https://en.wikipedia.org/wiki/Boots_theory

The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. ... A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. ... But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet.
This was the Captain Samuel Vimes 'Boots' theory of socio-economic unfairness.

GNU Sir Terry Pratchett