Who enjoys the life investor or saver or borrower?

In the short term, the borrower does. They give up the future potential for instant gratification. But, in some cases, borrowing is good; when you borrow to buy a home, or when you borrow to pay for your education , or your child's education. But when you're ever in debt, to borrow for new cars every few years, or stuff to keep up with the Jone's, then you will be in debt.

In the long term, the investor enjoys life the best. But to become an investor, you must be a saver. The investor will have enjoy watching their savings grow exponentially, through the power of compounding, as they near retirement and know that they will have money to travel, or do just about anything they want.
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The investor. If his/her investments return dividends they can be used for pleasure. The saver will never use the funds saved for pleasure, and the borrower may use the borrowed funds for pleasure, but will have to repay them at some future point with interest.

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