How do they get the $20m to start with? If they're earning $1m/pa but spending $1.1m they may look outwardly wealthy, but aren't really. Contrast that with the

How do they get the $20m to start with? If they're earning $1m/pa but spending $1.1m they may look outwardly wealthy, but aren't really. Contrast that with the person who also earns $1m/pa but only spends $500k. They're the wealthy ones, and also probably the ones with the smaller house, cheaper car, and $20m in the bank. If you 'just forget' about bills, that suggests to me a personality that is worse with money rather than better, ie the type of person likely to spend on material goods rather than spending wealth. Book recommendation: The Millionaire Next Door.