Seeing as how you are neither (otherwise you would already know the answer), I wouldn't worry about how to invest what little money you do have. But I'll let you in on a little secret : wealthy people inherit their money. Or steal it.
All you need to do is study the Warren Buffett method. Do it as Buffett does it.
In a nutshell: Buy (high) quality and hold for decades. (AXP, WFC, JNJ, PG, XOM, IBM)
Speculative stocks, options, selling short, tips from your barber, & penny stocks are big losers for most small investors.
Many of them are better then most of us, many got wealthy by being good at it over alot of years.
What investment fields do most wealthy individuals invest in? Also,what's a good book that talks about the investment techniques used by the wealthy?