When poor people have children, it's a cycle of poverty

Here is the difference:
The wealthy live off their parents' money...
The logic is that their own money grows over time, and they use it later when their children are born.
The poor live off their own money.
They spend all their own money, and when children are born later, they end up using the children's money.
Why? Because their own money was already spent on their parents in the past.
For the wealthy,
They use the "past money" (which, in present terms, is their parents' money) until their parents pass away.
Only then does the wealthy individual start using it, and even when children are born, the wealth continues to be used by the wealthy.
And then they pass away.
Then that child uses the wealth, and when the next generation is born, they finally use the child's money until the grandchildren grow up; that is the route.
For the poor,
There is no "past money" lol. Current money is your only money.
You have to use that as your own money until your parents pass away.
And when children are born, since your money was already spent on your parents,
there is nothing left, so you use the children's money until you die.
Since that child has already spent everything on their parents, there is nothing left,
so it is passed down again.
That is the route they follow.