ਰਾਮੁ ਰਾਜਾ ਨਉ ਨਿਧਿ ਮੇਰੈ ॥ ਸੰਪੈ ਹੇਤੁ ਕਲਤੁ ਧਨੁ ਤੇਰੈ ॥੧॥ ਰਹਾਉ ॥
The meanings are quite simple. Raam Raja i.e. Vaheguru is Nau-Nidh (9 kinds of treasures) for me whereas, attachment to worldly wealth and wife (etc. relationships) is the wealth for you.
Basically there is a comparison between wealth for a Gursikh and a Manmukh. For a Gursikh, Raja Raam Vaheguru is wealth but for a Manmukh worldly wealth and wife represent wealth. It seems like Siri Kabir Bhagat jee is explaining to a Manmukh what real wealth is and how the worldly wealth is a temporary possession only.
Kulbir Singh
ਸਤਿਗੁਰਬਚਨਕਮਾਵਣੇਸਚਾਏਹੁਵੀਚਾਰੁ॥