The rich invest their money and spend what is left. Their investments are focused on acquisition of assets such as stocks, bonds, business and real estate. They always think big, spend money on activities that increases their knowledge that enables them to see more opportunities, which translate into more money.
The middle class spends more time and effort to buy the right luxury items (like cars, high end phones etc) than to buy the right financial products. Their investments are diverted to products like fixed deposits, post office deposits, insurance schemes etc. whose returns don't even beat inflation. This in reality increase their expenses, erodes their savings and lead to a great debt trap and into more financial uncertainties. Further they seek advice of financially struggling friends or relatives and blindly invest where they indicate; never try to understand basic investment principles and carry a feeling that investments are confusing. They are constantly fighting for financial survival, regardless of how much money they make.
Invest wisely. Speak to your Financial Advisor today.