I am poor

This is neat,

There are approximately four sorts of people in the UK, financially speaking:
1) people with no assets or liabilities. “The poor”.
2) people with houses and mortgages. “Hard-working families”.
3) people with some savings, no house and no mortgage. “People who noticed there was a bloody great house price bubble”.
4) people with houses, savings, and no mortgages. “Jammy sods”.

For all my self-righteous arrogance and right wing libertarianism I am one of The Poor. I wonder if I could get a certificate or something.