These funds help cover you. A rich person always has this. It helps protect their wealth.
They do not live paycheck to paycheck. The rich have a higher savings rate and realize that saving and investing the money is the way to make your money work for you.
We have to think about what we want out of life. Rich people delay gratification, and are able to withhold their money spending.
Rich people work hard and early on investing money in order to let compound interest have the time needed to create even more wealth.
The rich love to avoid not paying taxes. It is easier for them. They know how to not pay it, and they use the law to keep them rich.