"富人的理念是：富人投资他们的钱，然后花剩下的。穷人的理念是：穷人花他们的钱，然后投资剩下的。"

Simplified Meaning:

Rich people tend to use their money first for investments, like buying stocks or starting a business, and then use whatever remains for their expenses. Poor people usually spend their money on things they need or want, and if they have any money left, they invest it. This way of handling money can explain why rich people often become richer and poor people stay poor. For example, imagine two friends each receive $100. One friend uses $70 to buy some equipment to start a small business, which might make more money in the future, and spends $30 on entertainment. The other friend spends $90 on going out and shopping, then tries to save or invest the remaining $10. Over time, the first friend has a chance to grow their wealth, while the second friend struggles to save and invest enough to change their financial situation. If you want to improve your finances, consider focusing on investments first and then spending on other things.