Mathematically for a robot or an AI, it would be Robert Kiyosaki's but in real life for most people it's Dave Ramsey's.
I think understand what you mean. I actually know people who don't even pay their
UTILITIES in full, let it accumulate and then get shocked when they got their water and electricity cut - and then have to shell out an extra fee to have it reconnected.
It's just not that easy for some of us to get a grip on these. For example when I borrow I'm not even thinking of what OP was saying that I'd be paying less or whatever, I just want to know the difference in price between getting the stuff on installment vs paying for it in full.