you are right in our local language the two words that are written the same in English actually have different meanings in our country (indo language : berhemat dan menabung). I also have quite a hard time conveying the meaning of the other word because I haven't found a suitable vocabulary in English.
well you are right that they probably do have the same mindset as you describe. they work for money. but money also works for them. the point is they can take advantage of both sides. And it's no wonder the rich are getting richer. because their mindset is sometimes more advanced than ordinary people. and the way they manage their finances is also very neatly organized and planned. so that evaluation and observation becomes easier to do.
In many cases, the result is achieved by the one who acts, sometimes a quick but not the most correct decision may be better than a slow and balanced decision. But wealth can be achieved by people with different characters and types of thinking. The most common trait among the rich is thrift, they all know the value of money and
know how to value their time, they work hard to create cash flow, so you are right, they do everything to make money work for them.
Well I think what you said (the word I underlined) is the most appropriate thing if it talks about how they value time. They are always more appreciative of time and they try to make the most of every moment they spend very well and effectively. So that no time is wasted. I think I just realized this. And well it seems I also have to start appreciating every time I live. Sometimes I don't use my time effectively. when I'm on holiday I prefer to be lazy even though I can use that time to do useful things. And yes they also know the value of money. So they only use it for things that are useful and can bring more profit.