> Hi Micheal -

> while I have my own theories,

I'd like to hear your own theories. Throw them out for all of us to see. Each "reason" is another ingredient for the info-soup.

are you
> looking for "lack of debt" - they
> live within their means? And in conjunction
> with that, have a very different standard of
> what it is to be successful - don't have the
> "keep up with the Jones's mentality.
> Can get by with much less?

That's a good answer. Why is that an advantage?

Michael Ross