Harvard University research on the "9 Mindsets of the Poor" hopes you don't have:

1. Being controlled by face and price: unconsciously or consciously, always influenced by external opinions and price tags.

2. Lack of independence: habitually relying on others, lacking the courage to make decisions and bear the consequences.

3. Becoming a dreamer: having many ideas but never taking action, always staying in the "thinking" stage.

4. Habitual cynicism: disliking everything, full of negative energy, but never reflecting on oneself.

5. Spiritual "Q": satisfied with the status quo of "not enough above, surplus below," numbing oneself with mental victories.

6. Stubborn and intuitive: refusing to learn new knowledge, judging solely based on intuition and past experience.

7. Only understands frugality, not income generation: focusing on saving money but neglecting the ability to enhance time value and create income.

8. Poor oneself but overindulgent with children: willing to be frugal oneself but excessively satisfy children materially.

9. Wasting life on trivial matters: lacking time management, constantly entangled in petty issues, never at peace.

It is evident that the real gap is not about effort or no effort, but about the way of effort.
Most people's effort relies on the accumulation of time and repetitive labor; while the effort of the wealthy is about continuously improving their core competitiveness and the value of time.