Thats right! What is intended over here in a example is that a rich person would buy a house using it as a asset so thinking of a way for the house to provide cash flow. While the middle class would buy the same house on debt thinking it's a asset when it's actually a liability, but once it's fully paid off they would still not make good use of it, leaving it a liability.
RE: The Rich and the Middle Class biggest difference in one sentence