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In this quote, Joe E. Lewis seems to be making a humorous observation about the role of money in people’s lives and perceptions. He suggests that regardless of whether someone is considered rich or poor based on their overall wealth, what really matters at the end of the day is if they actually have money available to spend or access financial resources when needed.
Lewis appears to be poking fun at how subjective classifications like “rich” and “poor” are, since having readily available funds is what allows people to actively participate in the economy and meet their needs, not theoretical labels.