Group 1 - The core observation is the growing wealth gap between ordinary people who prefer saving money in banks and the wealthy who diversify their assets into stocks, gold, overseas funds, and emerging assets [1][12] - Saving money has become a form of "chronic depreciation" due to continuously declining interest rates, making it less effective as a stable investment strategy [3][4] - The wealthy focus on making their money work for them, emphasizing asset liquidity and diversification, which allows them to thrive amid market fluctuations [5][6] Group 2 - The difference between the rich and the poor is not merely the amount of capital but rather their mindset and cognitive approach to wealth [8][9] - Ordinary individuals are encouraged to change their thinking to seize opportunities, such as not solely relying on savings and understanding the balance of risk and reward [10] - Practical steps for ordinary people include diversifying investments, maintaining liquidity, adopting a long-term perspective, and considering allocations in gold or overseas assets [10]