how does the saying money breeds money apply to simple interest?

The saying "money breeds money" applies to simple interest in that the money you initially invest or deposit (the principal) earns interest at a fixed rate over time, so you receive more money than what you started with by the end of the investment period. However, with simple interest, the interest earned each period is always calculated on the original principal, not on the accumulated total. This means the growth is linear rather than exponential, and the interest earned does not itself generate more interest. In other words, with simple interest, the initial amount of money causes more money to come in through interest payments, but the interest doesn't "breed" additional interest like in compound interest; the interest is only earned on the original sum invested or loaned. This still reflects the idea that "money breeds money" because the invested principal generates extra earnings over time, just in a steady, predictable manner without reinvested interest compounding the growth.