The rise of artificial intelligence is widening the wealth and cognitive divides between the rich and poor, as access to advanced AI tools becomes increasingly dependent on financial resources. High costs associated with AI, such as the $25,000 price tag for an NVIDIA H100 chip and the $100 million required to train a model like GPT-4, create barriers for those with limited means. This disparity is evident at both national and individual levels, with developed countries and wealthy individuals gaining significant advantages in AI capabilities. At the national level, the United States dominates global AI computing power, controlling over 70%, while developing countries struggle with basic internet access. This technological gap is mirrored at the individual level, where those with financial resources can afford premium AI tools, enhancing their knowledge and decision-making capabilities. In contrast, users of free AI versions face limitations, such as higher hallucination rates and outdated information, which can lead to poorer decision-making and a false sense of competence. The AI era has transformed the information gap into a paywall, with language barriers and algorithmic echo chambers further dividing access to quality AI tools. As a result, the rich continue to get richer, while those without access to advanced AI tools fall further behind, often without realizing the extent of their disadvantage.