Why do wealthy people almost never go broke as long as they don't gamble or invest recklessly?

Because the speed at which money makes money is too fast.
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If you have 30 million yuan in cash, with an annual interest rate of 4% on savings and investments, that's 1.2 million yuan a year.
In other words, as long as you have 30 million yuan, you don't have to do anything for a year, and you'll have passive income of 1.2 million yuan.
1.2 million yuan is equivalent to an annual salary of one million yuan, a high income that 99% of people in China would never reach in their lifetime.
The terrifying part is, wealthy people don't just have 30 million yuan once, but have 10 sets of 30 million yuan, 50 sets of 30 million yuan, or 100 sets of 30 million yuan.
So, now you understand—wealthy people almost never go broke as long as they don't gamble or invest recklessly, because the speed at which money makes money is too fast!