"If my descendants are like me, what will they keep their money for? If they are virtuous and rich, it will harm their ambitions; if their descendants are not as good as me, what will they keep their money for? If they are stupid and rich, their faults will be aggravated."?

This is what Lin Zexu said. It probably means that if my descendants are as outstanding as me, then there is no need for me to leave money to them. If a virtuous person has too much money, it will kill his fighting spirit; If he is a mediocre person, then there is no need for me to leave money to him. Having too much money while being stupid will increase his faults.