You could not be more wrong. I know plenty of multi millionaires who are where they are because of pure work and graft, and knowing what is and is not a waste of their money. Funnily enough not a single one of them drive anything costing more than about £35k either. Those with real wealth, gain that wealth because they work harder and spend wisely, those with espensive things, like to pretend they are rich, by owning expensive cars, watches holidays etc etc, but in reality a lot of that is on credit and they are in debt to own those things or spend their savings, meaning they are never actually wealthy and they are certainly not retired at 45.