The way we categorize money in our minds is based on our habits with money and our beliefs about money. Even reviewing how we imagine dealing with money can be very revealing about any potential future wealth you may acquire.
Recently I posted a question, 'What would you do if you had a little extra money?'
https://steemit.com/money/@ipmal/what-would-you-do-if-you-had-a-little-extra-money
And I would be interested to get more perspective from additional answers. This is a question I that I had to study for a long time, and really reflect on the different categories of answers that are possible - and the reasoning behind them.