I can't speak for everyone, of course, but I know a few self-made HNWI's and you might be surprised just how stingy they can be. I've seen one of the richest gu

I can't speak for everyone, of course, but I know a few self-made HNWI's and you might be surprised just how stingy they can be. I've seen one of the richest guys I know send a bill back in a restaurant because using a different rewards card they could get 15% instead of 10% off their meal. And we're not talking a huge bill either, maybe $60. Most of the guys I know could take first class everywhere and not even notice but nope - economy all the way, and UberX to the airport. Not all rich guys blow hundreds of thousands on private jets. I get the feeling that the more you struggled to earn it, the more you watch every penny. And the richest guy I know (capital-B) is far more concerned with upholding and preserving his family legacy than with ostentatious displays of wealth. It really weighs on him. Sure, he's not hurting, and life is pretty good, but a baller he ain't. Shows up at the office at 9am just like all us other schmucks. Hell, he shares an office! Those guys you see living large on instagram and what not aren't universal or, as far as I know, even typical.