When describing the U.S. economy, Cramer is reminded of the opening line from Charles Dickens' "A Tale of Two Cities," which read, "It was the best of times, it was the worst of times …"
In the United States today, Cramer said it is the "best of times" for the very wealthy while everyone else is struggling. With high levels of unemployment and being as banks don't like lending to people with lousy credit, Cramer noted pawn shops are doing well, though.
(RELATED: Cramer's Top Picks for a Vanishing Middle Class)
When it comes to pawn shops, Cramer likes First Cash Financial Service's stock. Cramer thinks it's "best of breed" with the best risk/reward. This stock is a buy right now, he said.
"I consider First Cash the Wal-Mart of the game when Wal-Mart was in its infancy, before it saturated the country with stores that no one needs to go to anymore," Cramer said. "That means there could be years of good growth ahead.
"Bad news for those who have to borrow from pawn shops. Good news for those who own shares in them."
Call Cramer: 1-800-743-CNBC
Questions for Cramer? madmoney@cnbc.com
Questions, comments, suggestions for the Mad Money website? madcap@cnbc.com
