If you ask what the difference is between the rich and poor, the overwhelming response will be MONEY, this is true but it goes deeper, a major factor is also their mindsets. The rich creates wealth but the poor doesn't, most poor people don't think outside their comfort zones. Rich people invests their money and from the profits they can buy whatever they desire but the poor buys liabilities that depreciates. Rich people builds wealth and it continues to generate money for them, they keep reinvesting and diversifying their income to generate more wealth. But if you give most poor people huge amounts of money, instead of investing it in a profitable investment like Bitcoin they will use the money to buy material things that they have been dreaming of like a car or buying that room size TV that they have been dreaming to own.
If a poor person that has a poor mentality suddenly owns a lot of money maybe through inheritance or hitting the jackpot, they will misuse the money. But if a poor person that has a rich mentality suddenly owns a lot of money they will diligently research and invest the money in a profitable business or investment. From their profits they can gradually afford to buy the things that they've always dreamed of and their assets will be yielding more profits. To become rich you need to think like the rich even you're not there yet, many rich people where not born rich, they were value driven.
From OPs point of view, it is very clear that money happens inside first before outside. That's why the difference between two poor people who finally got golden chances. One will tend to keep up with these gold even if not as large as it came but time has much to say. As for the other person, it is time that finally says it all also. They keep withdrawing on decomposables all times without replaceables.
As the case is, seeing money to be the differences between the rich and the poor is a dead perception and a staggering now baseless conception. The same conception has revealed that some who are said to be rich are rich (has money) because of the privilege they have and nothing else. That is why you will see some who handled a high office but has nothing live a comfortable life after few months or years in that office.
On this, it is obvious that one is rich (inside) before being rich (outside). So that money (seen) is not really the difference between the rich and the poor but mindsets (which defines responses or attitudes to life).
There are many factors to money making definitely (controllables and uncontrollables).
Therefore:
This didn't in any way handle money making completely but is pointing to an invaluable aspect of the process.
Well done OP for this great insight!!