The Blues have invested heavily this summer, having confirmed six new signings and goalkeeper Edouard Mendy also about to join the club.
Meanwhile, Liverpool are yet to make a summer transfer, despite having won last season’s Premier League, with COVID-19 having impacted their financial spending.
Klopp labelled the Reds as a ‘different kind of club’ to the likes of Chelsea and Manchester City, aiming the finger at the Blues’s spending spree.
“We live in a world at the moment with a lot of uncertainty,” Klopp told BBC Five Live.
“For some clubs it seems less important how uncertain the future is: [those] owned by countries, owned by oligarchs, that’s the truth. We’re a different kind of club.
“We got to the Champions League final two years ago, we won it last year, and became Premier League champions last season by being the club we are, by leading the way we are led. Now they are signing a lot of players.
“That can be an advantage of course but that means they have to fit together pretty quickly as well, it’s not only about bringing quality in.”
However, Lampard admits he found the comments amusing and pointed out the amount of money Liverpool have used to build their title-winning squad over several years.
“In the modern world this interview I’m doing here now could get a reaction in different ways,” Lampard said.
“I was less annoyed with it. I found it slightly amusing because I think when you talk about the owners of clubs, I don’t think it matters what line of business they come from. We are talking about some very wealthy owners of clubs in the Premier League.
“With Liverpool’s story, I referenced it a lot last year. It’s a fantastic story of a club over the four and a half or five years that Jurgen Klopp’s been there where they’ve managed to get recruitment right to a really high level.
“The reality is – other than maybe Leicester, which was an incredible story – most clubs that win the league in the modern day have recruited well and have recruited at quite a high level money wise.
“You can go through the Liverpool players – Van Dijk, Alisson, Fabinho, Keita, Mane, Salah. Incredible players that came at a very high price. Liverpool have done it over a period of time.
“What we have done is come off the back of a ban and probably try to address the situation ourselves to help improve us.
“It’s par for the course. We all know that. There’s no point doing the maths. We know that Liverpool have spent at a high level.
“We know they have an incredible coach. We know they have incredible players. The really smart thing Liverpool have done is believe in their coach and believe in their system for a number of years.
“It’s a great story but it’s a story where they’ve spent money on players. This summer we’ve spent money on players and now the hard work has to come.
“When you carry on and what I read from Jurgen Klopp was that he said about the idea of bringing in a group of players is not going to be easy for us no matter what the level is.
“As I mentioned there we are talking about some younger players from different leagues so I think he was talking with fair context when he said it like that but in terms of the money spent of course Liverpool have spent huge amounts in a very good way as well.
“But in terms of where we’re at, we have to not focus too much on what other teams, managers, supporters, radio, media say we have to worry about what we can do on the training pitch as that’s the only thing that will define us so I’m not too concerned.
“I’m pleased with the business we’ve done, really pleased. Now I want us to be excited as a team to work hard to get results.”