"The Law, in its majestic equality, forbids the rich, as well as the poor, to sleep under the bridges, to beg in the streets, and to steal bread." -- Anatole France
I'm sure this is good advice, but the argument "pay now or pay later" isn't really as black and white as it seems. Paying more later might be worth it if it means you don't have much to pay until you become popular. Of course I doubt its as simple of undoing and redoing and thats the risk you want to minimize.
Your poor man is dead. Damnit.
(In opposition to the use of Guy's theory, although, it appears that this article is more balanced)