Let’s play this this theory out.

For business start-ups:
“until you have the money, you should not have a business”

For mortgages:
“until you have the money, you should not own a home”

For automobiles:
“until you have the money, you should not own a car”

For home furnishings:
“until you have the money, you should not have furniture”

For political campaigns:
“until you have the money, you should not run for office”