Modern UHNWI individuals in the tech markets are almost entirely stock in their own company(ies). It's paper money against which they borrow to fund their lifes

Modern UHNWI individuals in the tech markets are almost entirely stock in their own company(ies). It's paper money against which they borrow to fund their lifestyle. They do sell this stock from time to time, but mainly to pay off debt. If they sold everything all at once, the stock would tank, taking their wealth along with it.