Your example of a person with $10,000 accumulated wealth and no job makes perfect sense. However this does not hold true higher up the scale. People with mid 8

Your example of a person with $10,000 accumulated wealth and no job makes perfect sense. However this does not hold true higher up the scale. People with mid 8 figure liquid net worth, ex: $50-70,000,000 do not need to have any income for extremely long periods of time without having any large negative effect on their spending ability.