Maybe what it means is that there are a lot of people who work only for money, and the money they make is used to buy what they want and have fun, without realizing that they will lose their jobs because one day they will be fired or no longer use their services, so they end up getting nothing after the income chain is cut off.
Unlike the rich who work for money and the money is used as a tool to earn other money by improving skills and others to make themselves much better at making more money.
The sentence is sarcastic for people who focus on working to earn money and spend it on fun without having long-term thinking. IMO
I would say it's more about the fact that we are going to end up not enjoying it and that could be a problem as well. You focus too much on making money, and then you will not be able to spend it that much. Like recently, Elon Musk reached 400 billion dollars networth, that's what they are saying but what does the dude do? He works, he tweets, he plays diablo, that's it. That's not really something that requires 400+ billion dollars networth, I ask what this made him gain, like what does he do that I can't do, and people say "well he owns tesla", but what does that change him on his day to day life, like he works more than me and he doesn't enjoy life and just miserable? That's not life, I have a better life in that sense.
I have seen many rich people who are on their yacths, going around the world, having fun, partying, buying amazing collection items, visiting the best places of the world, THATS rich life, so you gotta learn the difference.