Hi there zhengbao!
I am afraid I can not answer your question. I am not rich.
But, if I am rich, that means I have enough money, too much things. I do not need so much.
So, I should think to give some money to someone if he really need money.
If I am rich, I will use my money to clear all my housing loan. Then, I will use some of my money to go travel and use some money to start a business.
I will put my money into the bank and get interest.