Shane Mosley -- I've Got Millions in the Bank ... But I'm No Mayweather

Boxing was very, VERY good to Shane Mosley -- 'cause the guy has roughly $10 MILLION in the bank, which is awesome ... but nowhere NEAR the kind of money Floyd Mayweather rakes in.

Mosley had to declare his income and expenses to the court as part of his divorce from Jin Mosley ... and in the court docs obtained by TMZ Sports, Shane states he's got $14.6 MILLION in total assets and $4.8 mil in debts.

Overall, he's in pretty good shape ... with a net worth of $9.7 million.

So, what does he spent his money on?

-- $4,899-per-month on clothes (gotta stay fly)
-- $11,600-per-month on entertainment, gifts and vacation (gotta do cool stuff)
-- $4,736 on restaurants (gotta eat)

But get this ... despite all the cash -- Mosley says he owns an economical and environmentally friendly Chevy Volt (though he also has a Bentley).