• 人(person; human; man)
• 余(surplus; remainder (person standing under roof with excess))

A person inside a house with surplus is like "I"—the one remaining after giving away.

• 乘(ride; multiply)
• 刂(knife (radical))

Using a knife to cut away after multiplying, what remains is the excess remainder.

• 人(person; human; man)
• 余(surplus; remainder (person standing under roof with excess))

A person inside a house with surplus is like "I"—the one remaining after giving away.

• 乘(ride; multiply)
• 刂(knife (radical))

Using a knife to cut away after multiplying, what remains is the excess remainder.