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Whether rich or poor whomsoever wants to meet up with their investments goals need to have this emergency funds so as not to bridge your investment along the line when your it is not yet ripe. Things we don't plan in life are meant to occur but having an alternative to settle some daily requirements and unforeseen circumstances in the future is necessary.
Yep.. there are degrees of responsibility within poor people and also in regards to rich people too.
So some are gong to be more responsible with their money, and surely it is harder to build wealth rather than to maintain wealth, but each of them takes skills, so surely any poor people who are in the process of trying to make their situation better are more likely in the process of building the wealth and not so much in maintaining, even though maintaining is a given because it would seem that anyone trying to make progress should be striving to engage in strategies that do not put their building at risk so that they end up going backwards rather than forward... but even something like bitcoin, sometimes it might appear that a person is going backwards or not gaining any ground, even if his bitcoin is growing, but for some periods of time, it might be lessening in value, but the person who knows about what he is investing into will not get shaken by those kinds of short term assessment.
The rich guy might not feel any need to grow his wealth, yet he might be still trying to maintain his wealth and/or to deplete his wealth at a sustainable rate.. . and surely there are some guys who might not know what they are doing and they are just depleting their wealth and not even trying to maintain it.. in part due to their incompetencies. Guys who have built their wealth are more likely to know what they are doing, but even luck might be perceived as knowledge because sometims there might be luck involved rather than knowledge.