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In this quote, Mark Twain is commenting on the assumptions that different economic classes often make about one another. He argues that it is just as foolish or misguided for rich people to believe the poor are happier as it is for poor people to believe the rich are happier. Twain seems to be suggesting that neither group truly understands the experiences and realities of the other.
His point appears to be that both wealth and poverty each come with their own struggles, and that neither class has a full perspective on the other’s situation. Overall, Twain is critiquing the tendency of people to make unfounded judgments about what life is like for those in different financial circumstances than their own.