After all, although his brother was of a higher cultivation realm then him, and in turn had a higher earning power, it wasn't like Li Chang Hu was a relentless hoarder! He was still young, and he was still striving to increase his cultivation, just as his wages went up, so too did his expenses. It was a case of having a high 'net worth' but a low amount of money on hand that was common on Earth! The only main difference was that one's main assets on Earth might be stocks or businesses, and ultimately these could be sold and transformed back into liquid funds relatively quickly.
In the world of cultivation, although there were certainly still businesses and other enterpernuers, the main asset of moth cultivators was their own person! This could also be transformed into money, and at no 'loss' at that, by completing a mission or a task for someone else, but it wasn't like they could just sell an arm or a leg to get a large injection of funds, right?