No, this is probably not going to go where you think. I covered what money is in Dawn of Gold; this is about something else.
In this instance, the two different types of money referred to are accumulations and income.
Income refers to the money that comes in from either your investments or your work. It’s also known as cash flow. Never live beyond the limits of your income.
Accumulations are money that is set aside and that grows (hopefully) over time. It commonly comes about through saving a portion of your income. It could also be an inheritance or some other windfall.
Here is the point. The golden rule is to never, ever, ever spend your accumulation. That is for investing in those things that increase your income.
Eventually you make so much income from your investments that you can give up your daily toil. But not until your income from your investments is greater than your needs. Then you use the surplus to continue to increase the size of your accumulation.
You must be constantly increasing the size of your accumulation and, thus, constantly increasing the amount of your income. Why? Check out a graph, any graph on anything anywhere. Nothing flatlines. They trend up, or they trend down. Your accumulation will either be going up, or it will be going down. Eventually, going down becomes a bit of a bummer – as in sleeping in the park.
It should not be necessary to point out that accumulations must be in money – Gold bars or coins. Saving in fiat, or anything other than Gold or silver, is pregnant with the possibility of disaster – particularly in 2021.